Last update: Nov 2026

Cost of Living Comparison Between Austin, TX and Oyster Bay, NY

For one person, living is cheaper in Austin, TX: $2,689 a month against $2,789 in Oyster Bay, NY, rent and utilities included – about $1,200 less a year. The total is higher in Oyster Bay, NY despite lower rent and utilities.

128

Cost of Living Index in Austin, TX
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Austin, TX Living Index
132

Cost of Living Index in Oyster Bay, NY
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Oyster Bay, NY Living Index

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Austin, TX

🇺🇸 United States

$2,689

/mo nomad

Oyster Bay, NY

🇺🇸 United States

$2,789

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Oyster Bay, NY

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

Monthly costs for one person with rent: $2,689 in Austin, TX versus $2,789 in Oyster Bay, NY.

Austin, TX $2,689
Oyster Bay, NY $2,789

Estimated couple costs with rent: $4,112 in Austin, TX versus $4,148 in Oyster Bay, NY.

Austin, TX $4,112
Oyster Bay, NY $4,148

Monthly costs for a family of three with rent: $5,534 in Austin, TX versus $5,507 in Oyster Bay, NY.

Austin, TX $5,534
Oyster Bay, NY $5,507

Living in Austin, TX costs roughly 4% less than in Oyster Bay, NY, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 99% above, Oyster Bay, NY 106% above.

Meal at Budget Restaurant

$21.34 $21.34

$24.67 $24.67

-13.50%

Three-Course Dinner for Two, Mid-Range

$87.9 $87.9

$101 $101

-13.36%

Fast Food Meal (McDonalds, etc)

$12.44 $12.44

$13.09 $13.09

-4.97%

Cappuccino

$5.60 $5.60

$5.43 $5.43

3.13%

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

$3.65 $3.65

$2.24 $2.24

62.95%

Water (0.33 liter bottle)

$2.39 $2.39

$1.58 $1.58

51.27%

Local Beer (0.5 liter draught)

$7.82 $7.82

$9.14 $9.14

-14.44%

Imported Beer (0.33 liter bottle)

$8.75 $8.75

$8.11 $8.11

7.89%

Milk (1 liter)

$1.12 $1.12

$1.30 $1.30

-13.85%

White Bread (500g)

$3.62 $3.62

$4.25 $4.25

-14.82%

Rice (white) (1kg)

$3.50 $3.50

$6.05 $6.05

-42.15%

Eggs

$4.45 $4.45

$5.98 $5.98

-25.59%

Local Cheese (1kg)

$13.18 $13.18

$14.16 $14.16

-6.92%

Chicken Fillets (1kg)

$13.94 $13.94

$10.24 $10.24

36.13%

Beef Round Steak (1kg)

$16.46 $16.46

$20.11 $20.11

-18.15%

Apples (1kg)

$4.73 $4.73

$5.45 $5.45

-13.21%

Banana (1kg)

$1.50 $1.50

$1.74 $1.74

-13.79%

Oranges (1kg)

$4.64 $4.64

$4.24 $4.24

9.43%

Tomato (1kg)

$4.52 $4.52

$5.26 $5.26

-14.07%

Potato (1kg)

$2.55 $2.55

$2.98 $2.98

-14.43%

Onion (1kg)

$2.39 $2.39

$3.36 $3.36

-28.87%

Lettuce (1 head)

$1.84 $1.84

$2.92 $2.92

-36.99%

Water (1.5 liter bottle)

$2.13 $2.13

$2.93 $2.93

-27.30%

Cigarettes 20 Pack (Marlboro, Camel)

$10.05 $10.05

$11.67 $11.67

-13.88%

Wine (Bottle)

$14.88 $14.88

$15.13 $15.13

-1.65%

Local Beer (0.5 liter bottle)

$2.82 $2.82

$1.77 $1.77

59.32%

Imported Beer (0.33 liter bottle)

$3.29 $3.29

$3.56 $3.56

-7.58%

One-way Ticket (Public Transport)

$1.23 $1.23

$2.29 $2.29

-46.29%

Public Transport Monthly Pass (Regular Price)

$41.43 $41.43

$66.8 $66.8

-37.94%

Taxi Start (Normal Tariff)

$2.68 $2.68

$2.95 $2.95

-9.15%

Taxi (Normal Tariff) (1km)

$1.63 $1.63

$2.10 $2.10

-22.38%

Taxi 1hour Waiting (Normal Tariff)

$35.20 $35.20

$23.60 $23.60

49.15%

Gasoline (1 liter)

$0.98 $0.98

$1.16 $1.16

-15.52%

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

$34.4K $34.4K

$27.8K $27.8K

23.58%

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

$26.8K $26.8K

$26.5K $26.5K

1.29%

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

$252 $252

$216 $216

16.51%

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

$59.8 $59.8

$74.3 $74.3

-19.46%

Internet (50+ Mbps, Unlimited Data)

$69.7 $69.7

$66.1 $66.1

5.42%

Gym Membership (Monthly)

$60.4 $60.4

$39.46 $39.46

52.97%

Tennis Court (1 Hour on Weekend)

$18.14 $18.14

Cinema Ticket

$13.75 $13.75

$15.24 $15.24

-9.78%

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

$1,458 $1,458

$1,732 $1,732

-15.80%

International Primary School, 1 Child (Yearly)

$26.6K $26.6K

$20.5K $20.5K

29.65%

Jeans (Levis 501 Or Similar)

$52.6 $52.6

$49.05 $49.05

7.32%

Summer Dress (H&M, Zara, etc)

$45.76 $45.76

$58.5 $58.5

-21.76%

Sport Shoes (Adidas, Nike)

$85.5 $85.5

$88.2 $88.2

-3.11%

Men's Leather Business Shoes

$106 $106

$148 $148

-28.54%

1-bedroom Apartment, City Center (Monthly)

$2,195 $2,195

$1,588 $1,588

38.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,269 $1,269

$1,292 $1,292

-1.81%

3-bedroom Apartment, City Center (Monthly)

$4,000 $4,000

$2,544 $2,544

57.23%

3-bedroom Apartment, Outside City Center (Monthly)

$2,406 $2,406

$2,107 $2,107

14.22%

Buy Apartment in City Center (m2)

$7,381 $7,381

$2,751 $2,751

168.29%

Buy Apartment Outside City Center (m2)

$2,964 $2,964

$2,351 $2,351

26.11%

Average Monthly Net Salary (After Tax)

$5,043 $5,043

$6,945 $6,945

-27.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

6.72

1.49%

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

Last update for Austin, TX: November 2, 2026

Last update for Oyster Bay, NY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.2%

Oyster Bay, NY

$1.3K 46.3% 1.8% $23

Groceries & Markets

Austin, TX

$407 15.2%

Oyster Bay, NY

$447 16% 9.8% $40

Monthly Utilities & Internet

Austin, TX

$382 14.2%

Oyster Bay, NY

$357 12.8% 6.5% $25

Eating Out

Austin, TX

$356 13.2%

Oyster Bay, NY

$379 13.6% 6.4% $23

Clothing & Footwear

Austin, TX

$130 4.9%

Oyster Bay, NY

$155 5.6% 18.7% $24

Sport & Entertainment

Austin, TX

$88 3.3%

Oyster Bay, NY

$70 2.5% 20.4% $18

Getting Around

Austin, TX

$57 2.1%

Oyster Bay, NY

$89 3.2% 56.3% $32

Cost Breakdown

A one-bedroom apartment in the center runs $2,195 in Austin, TX and $1,588 in Oyster Bay, NY. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays 38% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $88 in Austin, TX vs $101 in Oyster Bay, NY for a mid-range dinner for two. Groceries echo the gap at $407 vs $447 per month, with Austin, TX cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇸 Oyster Bay, NY

🕒 Local time

08:43 8:43 AM

09:43 9:43 AM

1 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

301,332

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Austin, TX Oyster Bay, NY 2,470 km ≈ 3 h 30 min nonstop flight

From you

Austin, TX
Oyster Bay, NY

Distances are measured in a straight line. Your location is detected approximately.

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

Austin, TX vs Oyster Bay, NY: Cost of Living - Frequently Asked Questions

Austin, TX wins on cost – living expenses run 4% lower than in Oyster Bay, NY. Housing and daily spending are where you’ll feel the difference most, making Austin, TX the obvious pick if budget is a priority.

On paper, salaries run 27% lower in Austin, TX. 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: $2,195 in Austin, TX versus $1,588 in Oyster Bay, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $2,689 per month in Austin, TX versus $2,789 in Oyster Bay, NY – Austin, TX is about 4% cheaper, which adds up to real savings over time.

A monthly transit pass in Austin, TX runs roughly 38% less than in Oyster Bay, NY. The price difference matters if you commute daily and watch your budget.

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

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.

It comes down to priorities – Austin, TX wins on affordability, Oyster Bay, NY on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.