Last update: Oct 2026

Cost of Living Comparison Between Annapolis, MD and New York, NY

For one person, living is cheaper in Annapolis, MD: $3,458 a month against $4,950 in New York, NY, rent and utilities included – about $17,900 less a year. Rent and utilities account for most of the difference.

169

Cost of Living Index in Annapolis, MD
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Annapolis, MD Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Annapolis, MD

🇺🇸 United States

$3,458

/mo nomad

New York, NY

🇺🇸 United States

$4,950

/mo nomad

Monthly Cost of Living

How much you'll spend in Annapolis, MD and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Annapolis, MD and in New York, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,458 in Annapolis, MD versus $4,950 in New York, NY.

Annapolis, MD $3,458
New York, NY $4,950

Estimated couple costs with rent: $4,748 in Annapolis, MD versus $7,265 in New York, NY.

Annapolis, MD $4,748
New York, NY $7,265

Monthly costs for a family of three with rent: $6,038 in Annapolis, MD versus $9,581 in New York, NY.

Annapolis, MD $6,038
New York, NY $9,581

Living in Annapolis, MD costs roughly 30% less than in New York, NY, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Annapolis, MD 156% above, New York, NY 267% above.

Meal at Budget Restaurant

$30.17 $30.17

$24.65 $24.65

22.39%

Three-Course Dinner for Two, Mid-Range

$80.1 $80.1

$122 $122

-34.09%

Fast Food Meal (McDonalds, etc)

$10.12 $10.12

$13.91 $13.91

-27.25%

Cappuccino

$5.62 $5.62

$6.59 $6.59

-14.72%

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

$2.55 $2.55

$3.84 $3.84

-33.59%

Water (0.33 liter bottle)

$1.92 $1.92

$2.87 $2.87

-33.10%

Local Beer (0.5 liter draught)

$6.98 $6.98

$7.79 $7.79

-10.40%

Imported Beer (0.33 liter bottle)

$8.78 $8.78

$9.85 $9.85

-10.86%

Milk (1 liter)

$1.13 $1.13

$1.38 $1.38

-18.12%

White Bread (500g)

$2.99 $2.99

$4.68 $4.68

-36.11%

Rice (white) (1kg)

$5.47 $5.47

$7.54 $7.54

-27.45%

Eggs

$6.38 $6.38

$5.93 $5.93

7.59%

Local Cheese (1kg)

$9.63 $9.63

$18.83 $18.83

-48.86%

Chicken Fillets (1kg)

$7.78 $7.78

$17.36 $17.36

-55.18%

Beef Round Steak (1kg)

$15.10 $15.10

$18.51 $18.51

-18.42%

Apples (1kg)

$5.86 $5.86

$6.74 $6.74

-13.06%

Banana (1kg)

$1.95 $1.95

$2.09 $2.09

-6.70%

Oranges (1kg)

$4.59 $4.59

$6.07 $6.07

-24.38%

Tomato (1kg)

$7.24 $7.24

$6.74 $6.74

7.42%

Potato (1kg)

$4.27 $4.27

$4.05 $4.05

5.43%

Onion (1kg)

$4.81 $4.81

$4.37 $4.37

10.07%

Lettuce (1 head)

$2.62 $2.62

$2.89 $2.89

-9.34%

Water (1.5 liter bottle)

$1.63 $1.63

$2.60 $2.60

-37.31%

Cigarettes 20 Pack (Marlboro, Camel)

$9.36 $9.36

$18.72 $18.72

-50.00%

Wine (Bottle)

$14.68 $14.68

$20.06 $20.06

-26.82%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$3.25 $3.25

-45.85%

Imported Beer (0.33 liter bottle)

$3.84 $3.84

$3.73 $3.73

2.95%

One-way Ticket (Public Transport)

$4.08 $4.08

$3.06 $3.06

33.33%

Public Transport Monthly Pass (Regular Price)

$138 $138

$140 $140

-1.45%

Taxi Start (Normal Tariff)

$3.04 $3.04

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$2.15 $2.15

-26.51%

Taxi 1hour Waiting (Normal Tariff)

$29.54 $29.54

$41.82 $41.82

-29.36%

Gasoline (1 liter)

$0.93 $0.93

$1.12 $1.12

-16.96%

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

$31.0K $31.0K

$35.5K $35.5K

-12.53%

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

$25.0K $25.0K

$26.0K $26.0K

-4.09%

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

$162 $162

$219 $219

-26.13%

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

$53.9 $53.9

$73.2 $73.2

-26.40%

Internet (50+ Mbps, Unlimited Data)

$96.1 $96.1

$72.0 $72.0

33.48%

Gym Membership (Monthly)

$66.1 $66.1

$123 $123

-46.15%

Tennis Court (1 Hour on Weekend)

$67.7 $67.7

Cinema Ticket

$12.05 $12.05

$22.85 $22.85

-47.26%

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

$1,661 $1,661

$3,333 $3,333

-50.17%

International Primary School, 1 Child (Yearly)

$19.7K $19.7K

$60.0K $60.0K

-67.17%

Jeans (Levis 501 Or Similar)

$42.76 $42.76

$75.2 $75.2

-43.13%

Summer Dress (H&M, Zara, etc)

$24.53 $24.53

$52.4 $52.4

-53.18%

Sport Shoes (Adidas, Nike)

$91.5 $91.5

$122 $122

-24.76%

Men's Leather Business Shoes

$121 $121

$133 $133

-8.91%

1-bedroom Apartment, City Center (Monthly)

$2,092 $2,092

$4,389 $4,389

-52.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,959 $1,959

$3,130 $3,130

-37.40%

3-bedroom Apartment, City Center (Monthly)

$3,211 $3,211

$8,918 $8,918

-64.00%

3-bedroom Apartment, Outside City Center (Monthly)

$2,707 $2,707

$5,354 $5,354

-49.44%

Buy Apartment in City Center (m2)

$19.4K $19.4K

Buy Apartment Outside City Center (m2)

$6,806 $6,806

Average Monthly Net Salary (After Tax)

$5,555 $5,555

$5,343 $5,343

3.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.08

6.82

-10.85%

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

Last update for Annapolis, MD: October 11, 2026

Last update for New York, NY: October 13, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Annapolis, MD

$2K 56.7%

New York, NY

$3.1K 63.2% 59.7% $1.2K

Eating Out

Annapolis, MD

$410 11.8%

New York, NY

$404 8.2% 1.5% $6

Groceries & Markets

Annapolis, MD

$396 11.4%

New York, NY

$545 11% 37.8% $149

Monthly Utilities & Internet

Annapolis, MD

$312 9%

New York, NY

$364 7.4% 16.8% $52

Getting Around

Annapolis, MD

$166 4.8%

New York, NY

$167 3.4% 0.5% $0.8

Clothing & Footwear

Annapolis, MD

$126 3.6%

New York, NY

$172 3.5% 36.5% $46

Sport & Entertainment

Annapolis, MD

$90 2.6%

New York, NY

$168 3.4% 86.8% $78

Cost Breakdown

A one-bedroom apartment in the center runs $2,092 in Annapolis, MD and $4,389 in New York, NY. Housing cost is often the main lever when comparing two cities.

Annapolis, MD pays 4% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $80.0 in Annapolis, MD vs $122 in New York, NY for a mid-range dinner for two. Groceries echo the gap at $396 vs $545 per month, with Annapolis, MD cheaper across the board.

Good to know

🇺🇸 Annapolis, MD

🇺🇸 New York, NY

🕒 Local time

18:30 6:30 PM

Same time as Annapolis, MD

🌤 Weather

👥 Population

36,408

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Annapolis, MD New York, NY 270 km

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Annapolis, MD
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City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

Annapolis, MD vs New York, NY: Cost of Living - Frequently Asked Questions

Annapolis, MD wins on cost – living expenses run 43% lower than in New York, NY. Housing and daily spending are where you'll feel the difference most, making Annapolis, MD the obvious pick if budget is a priority.

Average pay runs 4% higher in Annapolis, MD, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,092 in Annapolis, MD versus $4,389 in New York, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $3,458 per month in Annapolis, MD versus $4,950 in New York, NY – a 43% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Annapolis, MD runs roughly 1% less than in New York, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Annapolis, MD is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Annapolis, MD delivers better value – similar infrastructure at $3,458 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Annapolis, MD hard to pass up.

Expats usually find Annapolis, MD gentler on the wallet – expenses run 43% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.