Last update: Nov 2026

Cost of Living Comparison Between Atlantic City, NJ and New York, NY

For one person, living is cheaper in Atlantic City, NJ: $2,815 a month against $4,906 in New York, NY, rent and utilities included – about $25,100 less a year. Rent and utilities account for most of the difference.

134

Cost of Living Index in Atlantic City, NJ
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Atlantic City, NJ Living Index
234

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

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Atlantic City, NJ

🇺🇸 United States

$2,815

/mo nomad

New York, NY

🇺🇸 United States

$4,906

/mo nomad

Monthly Cost of Living

How much you'll spend in Atlantic City, NJ 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 Atlantic City, NJ and in New York, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,815 in Atlantic City, NJ versus $4,906 in New York, NY.

Atlantic City, NJ $2,815
New York, NY $4,906

Estimated couple costs with rent: $4,199 in Atlantic City, NJ versus $7,273 in New York, NY.

Atlantic City, NJ $4,199
New York, NY $7,273

Monthly costs for a family of three with rent: $5,583 in Atlantic City, NJ versus $9,641 in New York, NY.

Atlantic City, NJ $5,583
New York, NY $9,641

Living in Atlantic City, NJ costs roughly 43% less than in New York, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Atlantic City, NJ 108% above, New York, NY 263% above.

Meal at Budget Restaurant

$19.66 $19.66

$26.93 $26.93

-27.00%

Three-Course Dinner for Two, Mid-Range

$99.2 $99.2

$117 $117

-15.08%

Fast Food Meal (McDonalds, etc)

$11.30 $11.30

$14.60 $14.60

-22.60%

Cappuccino

$5.70 $5.70

$6.54 $6.54

-12.84%

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

$2.26 $2.26

$3.86 $3.86

-41.45%

Water (0.33 liter bottle)

$1.92 $1.92

$2.95 $2.95

-34.92%

Local Beer (0.5 liter draught)

$5.83 $5.83

$8.08 $8.08

-27.85%

Imported Beer (0.33 liter bottle)

$8.94 $8.94

$9.85 $9.85

-9.24%

Milk (1 liter)

$1.20 $1.20

$1.31 $1.31

-8.40%

White Bread (500g)

$3.41 $3.41

$4.97 $4.97

-31.39%

Rice (white) (1kg)

$7.17 $7.17

$7.70 $7.70

-6.88%

Eggs

$4.34 $4.34

$6.09 $6.09

-28.74%

Local Cheese (1kg)

$11.03 $11.03

$19.55 $19.55

-43.58%

Chicken Fillets (1kg)

$16.78 $16.78

$17.59 $17.59

-4.60%

Beef Round Steak (1kg)

$20.36 $20.36

$20.26 $20.26

0.49%

Apples (1kg)

$7.74 $7.74

$6.99 $6.99

10.73%

Banana (1kg)

$3.81 $3.81

$2.21 $2.21

72.40%

Oranges (1kg)

$5.44 $5.44

$6.72 $6.72

-19.05%

Tomato (1kg)

$6.11 $6.11

$7.12 $7.12

-14.19%

Potato (1kg)

$3.92 $3.92

$4.61 $4.61

-14.97%

Onion (1kg)

$4.69 $4.69

$4.78 $4.78

-1.88%

Lettuce (1 head)

$2.62 $2.62

$2.87 $2.87

-8.71%

Water (1.5 liter bottle)

$2.43 $2.43

$2.69 $2.69

-9.67%

Cigarettes 20 Pack (Marlboro, Camel)

$14.24 $14.24

$19.14 $19.14

-25.60%

Wine (Bottle)

$13.36 $13.36

$19.63 $19.63

-31.94%

Local Beer (0.5 liter bottle)

$2.75 $2.75

$3.32 $3.32

-17.17%

Imported Beer (0.33 liter bottle)

$3.25 $3.25

$4.19 $4.19

-22.43%

One-way Ticket (Public Transport)

$2.95 $2.95

$3.02 $3.02

-2.32%

Public Transport Monthly Pass (Regular Price)

$90.0 $90.0

$139 $139

-35.40%

Taxi Start (Normal Tariff)

$2.94 $2.94

$3.04 $3.04

-3.29%

Taxi (Normal Tariff) (1km)

$2.22 $2.22

$2.20 $2.20

0.91%

Taxi 1hour Waiting (Normal Tariff)

$41.74 $41.74

$41.33 $41.33

0.99%

Gasoline (1 liter)

$0.89 $0.89

$1.13 $1.13

-21.24%

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

$20.3K $20.3K

$34.5K $34.5K

-41.13%

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

$24.7K $24.7K

$25.8K $25.8K

-4.59%

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

$223 $223

$232 $232

-4.20%

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

$61.6 $61.6

$71.0 $71.0

-13.26%

Internet (50+ Mbps, Unlimited Data)

$61.2 $61.2

$67.7 $67.7

-9.59%

Gym Membership (Monthly)

$29.58 $29.58

$115 $115

-74.36%

Tennis Court (1 Hour on Weekend)

$50.8 $50.8

$76.8 $76.8

-33.84%

Cinema Ticket

$16.85 $16.85

$22.41 $22.41

-24.81%

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

$494 $494

$3,606 $3,606

-86.29%

International Primary School, 1 Child (Yearly)

$7,073 $7,073

$68.7K $68.7K

-89.70%

Jeans (Levis 501 Or Similar)

$69.9 $69.9

$79.3 $79.3

-11.76%

Summer Dress (H&M, Zara, etc)

$31.16 $31.16

$51.4 $51.4

-39.38%

Sport Shoes (Adidas, Nike)

$117 $117

$121 $121

-3.12%

Men's Leather Business Shoes

$120 $120

$140 $140

-14.55%

1-bedroom Apartment, City Center (Monthly)

$1,762 $1,762

$4,555 $4,555

-61.32%

1-bedroom Apartment, Outside City Center (Monthly)

$1,323 $1,323

$3,040 $3,040

-56.47%

3-bedroom Apartment, City Center (Monthly)

$2,377 $2,377

$9,742 $9,742

-75.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,132 $2,132

$5,331 $5,331

-60.01%

Buy Apartment in City Center (m2)

$4,349 $4,349

$18.2K $18.2K

-76.14%

Buy Apartment Outside City Center (m2)

$4,265 $4,265

$6,685 $6,685

-36.20%

Average Monthly Net Salary (After Tax)

$4,006 $4,006

$5,096 $5,096

-21.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.78

6.89

-1.60%

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

Last update for Atlantic City, NJ: November 1, 2026

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

Monthly budget structure

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

Accommodation & Living

Atlantic City, NJ

$1.3K 47%

New York, NY

$3K 62% 130% $1.7K

Groceries & Markets

Atlantic City, NJ

$492 17.5%

New York, NY

$567 11.6% 15.3% $75

Monthly Utilities & Internet

Atlantic City, NJ

$345 12.3%

New York, NY

$371 7.6% 7.4% $26

Eating Out

Atlantic City, NJ

$323 11.5%

New York, NY

$425 8.7% 31.5% $102

Clothing & Footwear

Atlantic City, NJ

$152 5.4%

New York, NY

$176 3.6% 15.9% $24

Getting Around

Atlantic City, NJ

$116 4.1%

New York, NY

$165 3.4% 42.8% $50

Sport & Entertainment

Atlantic City, NJ

$63 2.3%

New York, NY

$160 3.3% 153% $97

Cost Breakdown

A one-bedroom apartment in the center runs $1,762 in Atlantic City, NJ and $4,555 in New York, NY. Housing cost is often the main lever when comparing two cities.

New York, NY pays 27% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $99 in Atlantic City, NJ vs $117 in New York, NY for a mid-range dinner for two. Groceries echo the gap at $492 vs $567 per month, with Atlantic City, NJ cheaper across the board.

Good to know

🇺🇸 Atlantic City, NJ

🇺🇸 New York, NY

🕒 Local time

08:07 8:07 AM

Same time as Atlantic City, NJ

🌤 Weather

👥 Population

39,958

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.893 EUR

Exchange rates and currency converter

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Atlantic City, NJ New York, NY 140 km

From you

Atlantic City, NJ
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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

Atlantic City, NJ vs New York, NY: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $2,815 in Atlantic City, NJ and $4,906 in New York, NY, so Atlantic City, NJ is about 43% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 21% lower in Atlantic City, NJ. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,762 in Atlantic City, NJ versus $4,555 in New York, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 15% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Atlantic City, NJ – a meal for two runs $99 versus $117 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Atlantic City, NJ 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.