Cost of Living Comparison Between Andover, MA and New York, NY Cost of Living Comparison Between Andover, MA and New York, NY

Monthly Cost of Living

A single person spends $2,760 per month in Andover, MA vs $4,503 in New York, NY, rent included.

A couple spends around $4,148 per month in Andover, MA vs $7,077 in New York, NY, rent included.

A family of three spends $5,536 per month in Andover, MA vs $9,650 in New York, NY, rent included.

Andover, MA is about 39% cheaper than New York, NY, driven mainly by Getting Around.

Both Andover, MA and New York, NY sit above the global median – Andover, MA by 106%, New York, NY by 236%.

Meal at Budget Restaurant

$30.14 $30.14

$30.28 $30.28

-0.46%

Three-Course Dinner for Two, Mid-Range

$88.8 $88.8

$142 $142

-37.61%

Fast Food Meal (McDonalds, etc)

$11.84 $11.84

$12.65 $12.65

-6.40%

Cappuccino

$6.44 $6.44

$5.81 $5.81

10.84%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.81 $2.81

$3.26 $3.26

-13.80%

Water (0.33 liter bottle)

$2.38 $2.38

$2.58 $2.58

-7.75%

Local Beer (0.5 liter draught)

$6.14 $6.14

$8.19 $8.19

-25.03%

Imported Beer (0.33 liter bottle)

$7.93 $7.93

$11.82 $11.82

-32.91%

Milk (1 liter)

$1.02 $1.02

$1.53 $1.53

-33.33%

White Bread (500g)

$3.67 $3.67

$5.27 $5.27

-30.36%

Rice (white) (1kg)

$7.57 $7.57

$8.34 $8.34

-9.23%

Eggs

$4.35 $4.35

$7.25 $7.25

-40.00%

Local Cheese (1kg)

$16.21 $16.21

$17.29 $17.29

-6.25%

Chicken Fillets (1kg)

$10.49 $10.49

$16.21 $16.21

-35.29%

Beef Round Steak (1kg)

$16.80 $16.80

$19.82 $19.82

-15.24%

Apples (1kg)

$3.40 $3.40

$7.57 $7.57

-55.09%

Banana (1kg)

$1.66 $1.66

$2.42 $2.42

-31.40%

Oranges (1kg)

$6.56 $6.56

$5.83 $5.83

12.52%

Tomato (1kg)

$4.60 $4.60

$6.39 $6.39

-28.01%

Potato (1kg)

$2.76 $2.76

$3.87 $3.87

-28.68%

Onion (1kg)

$5.68 $5.68

$4.06 $4.06

39.90%

Lettuce (1 head)

$3.27 $3.27

$3.12 $3.12

4.81%

Water (1.5 liter bottle)

$2.40 $2.40

$2.45 $2.45

-2.04%

Cigarettes 20 Pack (Marlboro, Camel)

$12.56 $12.56

$19.26 $19.26

-34.79%

Wine (Bottle)

$13.88 $13.88

$19.96 $19.96

-30.46%

Local Beer (0.5 liter bottle)

$1.86 $1.86

$2.99 $2.99

-37.79%

Imported Beer (0.33 liter bottle)

$3.02 $3.02

$3.73 $3.73

-19.03%

One-way Ticket (Public Transport)

$2.03 $2.03

$2.84 $2.84

-28.52%

Public Transport Monthly Pass (Regular Price)

$134 $134

Taxi Start (Normal Tariff)

$1.95 $1.95

$5.11 $5.11

-61.84%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$2.11 $2.11

-35.07%

Taxi 1hour Waiting (Normal Tariff)

$29.70 $29.70

$42.31 $42.31

-29.80%

Gasoline (1 liter)

$0.87 $0.87

$0.97 $0.97

-10.31%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$29.2K $29.2K

$34.7K $34.7K

-15.82%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$36.5K $36.5K

$27.8K $27.8K

31.19%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$208 $208

$181 $181

14.59%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$53.9 $53.9

$60.2 $60.2

-10.47%

Internet (50+ Mbps, Unlimited Data)

$82.1 $82.1

$62.5 $62.5

31.30%

Gym Membership (Monthly)

$43.62 $43.62

$143 $143

-69.52%

Tennis Court (1 Hour on Weekend)

$65.3 $65.3

Cinema Ticket

$14.35 $14.35

$19.98 $19.98

-28.18%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,320 $1,320

$3,216 $3,216

-58.94%

International Primary School, 1 Child (Yearly)

$23.6K $23.6K

$57.2K $57.2K

-58.72%

Jeans (Levis 501 Or Similar)

$49.98 $49.98

$67.5 $67.5

-25.96%

Summer Dress (H&M, Zara, etc)

$75.7 $75.7

$47.68 $47.68

58.77%

Sport Shoes (Adidas, Nike)

$124 $124

$111 $111

11.13%

Men's Leather Business Shoes

$135 $135

$169 $169

-20.16%

1-bedroom Apartment, City Center (Monthly)

$1,577 $1,577

$4,092 $4,092

-61.46%

1-bedroom Apartment, Outside City Center (Monthly)

$1,354 $1,354

$2,694 $2,694

-49.74%

3-bedroom Apartment, City Center (Monthly)

$2,617 $2,617

$8,445 $8,445

-69.01%

3-bedroom Apartment, Outside City Center (Monthly)

$2,216 $2,216

$5,128 $5,128

-56.79%

Buy Apartment in City Center (m2)

$2,942 $2,942

$18.2K $18.2K

-83.82%

Buy Apartment Outside City Center (m2)

$2,463 $2,463

$6,299 $6,299

-60.90%

Average Monthly Net Salary (After Tax)

$5,704 $5,704

$5,540 $5,540

2.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.71

6.44

4.19%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Andover, MA: June 2, 2026

Last update for New York, NY: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,577 in Andover, MA versus $4,092 in New York, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 3% higher in Andover, MA, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $89.0 in Andover, MA versus $142 in New York, NY. Monthly groceries follow the same trend: $427 vs $554 – making Andover, MA the more affordable choice for daily food spending.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Andover, MA vs New York, NY: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 63%, and the gap shows up most in Getting Around. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $4,140 per month in Andover, MA and $6,754 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Andover, MA, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $89.0 in Andover, MA and $142 in New York, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 30% more in New York, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,500 is a stretch for both – monthly costs hit $2,760 in Andover, MA and $4,503 in New York, NY. You'll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Andover, MA – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Andover, MA. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.