Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Troy, NY

For one person, living is cheaper in Troy, NY: $2,388 a month against $2,663 in Austin, TX, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Austin, TX outweigh lower spending on other living expenses.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
117

Cost of Living Index in Troy, NY
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Troy, NY Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Troy, NY

🇺🇸 United States

$2,388

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Troy, 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 Troy, NY actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $2,388 in Troy, NY.

Austin, TX $2,663
Troy, NY $2,388

Estimated couple costs with rent: $4,133 in Austin, TX versus $3,919 in Troy, NY.

Austin, TX $4,133
Troy, NY $3,919

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $5,451 in Troy, NY.

Austin, TX $5,603
Troy, NY $5,451

Living in Austin, TX is roughly 12% more expensive than in Troy, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Austin, TX 97% above, Troy, NY 77% above.

Meal at Budget Restaurant

$20.77 $20.77

$18.23 $18.23

13.93%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$75.9 $75.9

11.48%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$12.04 $12.04

2.33%

Cappuccino

$5.63 $5.63

$6.58 $6.58

-14.44%

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

$3.72 $3.72

$2.63 $2.63

41.44%

Water (0.33 liter bottle)

$2.50 $2.50

$2.02 $2.02

23.76%

Local Beer (0.5 liter draught)

$8.05 $8.05

$6.94 $6.94

15.99%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$7.69 $7.69

17.17%

Milk (1 liter)

$1.12 $1.12

$1.06 $1.06

5.66%

White Bread (500g)

$3.75 $3.75

$3.21 $3.21

16.82%

Rice (white) (1kg)

$3.26 $3.26

$4.34 $4.34

-24.88%

Eggs

$4.17 $4.17

$3.98 $3.98

4.77%

Local Cheese (1kg)

$12.90 $12.90

$11.13 $11.13

15.90%

Chicken Fillets (1kg)

$14.16 $14.16

$13.49 $13.49

4.97%

Beef Round Steak (1kg)

$16.22 $16.22

$17.59 $17.59

-7.79%

Apples (1kg)

$4.33 $4.33

$4.76 $4.76

-9.03%

Banana (1kg)

$1.46 $1.46

$1.39 $1.39

5.04%

Oranges (1kg)

$4.51 $4.51

$5.35 $5.35

-15.70%

Tomato (1kg)

$4.34 $4.34

$4.78 $4.78

-9.21%

Potato (1kg)

$2.58 $2.58

$3.02 $3.02

-14.57%

Onion (1kg)

$2.35 $2.35

$3.69 $3.69

-36.31%

Lettuce (1 head)

$1.78 $1.78

$2.20 $2.20

-19.09%

Water (1.5 liter bottle)

$2.22 $2.22

$1.98 $1.98

12.12%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$14.27 $14.27

-30.76%

Wine (Bottle)

$15.08 $15.08

$14.11 $14.11

6.87%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$2.07 $2.07

41.06%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$3.99 $3.99

-13.28%

One-way Ticket (Public Transport)

$1.49 $1.49

$1.29 $1.29

15.50%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$64.6 $64.6

-35.46%

Taxi Start (Normal Tariff)

$2.73 $2.73

$3.77 $3.77

-27.59%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$1.38 $1.38

20.29%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$30.54 $30.54

15.59%

Gasoline (1 liter)

$0.95 $0.95

$1.12 $1.12

-15.18%

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

$36.0K $36.0K

$35.6K $35.6K

1.16%

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

$27.1K $27.1K

$25.9K $25.9K

4.55%

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

$229 $229

$214 $214

7.06%

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

$59.4 $59.4

$59.3 $59.3

0.08%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$74.9 $74.9

-6.69%

Gym Membership (Monthly)

$57.2 $57.2

$44.04 $44.04

29.97%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$14.28 $14.28

$15.16 $15.16

-5.80%

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

$1,506 $1,506

$1,502 $1,502

0.26%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$17.2K $17.2K

25.09%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$54.7 $54.7

-3.46%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$47.68 $47.68

-8.10%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$99.5 $99.5

-14.78%

Men's Leather Business Shoes

$103 $103

$123 $123

-16.07%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$1,293 $1,293

47.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$1,006 $1,006

26.61%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$3,046 $3,046

20.32%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$2,439 $2,439

4.05%

Buy Apartment in City Center (m2)

$7,614 $7,614

$2,537 $2,537

200.06%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$2,516 $2,516

25.51%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$7,603 $7,603

-32.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

6.66

1.95%

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

Last update for Austin, TX: October 12, 2026

Last update for Troy, NY: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Troy, NY

$1K 42.2% 21% $268

Groceries & Markets

Austin, TX

$405 15.2%

Troy, NY

$403 16.9% 0.5% $1.9

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Troy, NY

$348 14.6% 2.8% $10

Eating Out

Austin, TX

$354 13.3%

Troy, NY

$330 13.8% 6.9% $24

Clothing & Footwear

Austin, TX

$128 4.8%

Troy, NY

$146 6.1% 14.1% $18

Sport & Entertainment

Austin, TX

$86 3.2%

Troy, NY

$74 3.1% 13.3% $11

Getting Around

Austin, TX

$59 2.2%

Troy, NY

$80 3.4% 37.1% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $1,293 in Troy, NY. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 48% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $85.0 in Austin, TX vs $76.0 in Troy, NY for a mid-range dinner for two. Groceries echo the gap at $405 vs $403 per month, with Troy, NY cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇺🇸 Troy, NY

🕒 Local time

10:51 10:51 AM

11:51 11:51 AM

1 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

51,401

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Austin, TX Troy, NY 2,540 km ≈ 3 h 45 min nonstop flight

From you

Austin, TX
Troy, 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 Troy, NY: Cost of Living - Frequently Asked Questions

Troy, NY wins on cost – living expenses run 12% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Troy, NY the obvious pick if budget is a priority.

On paper, salaries run 48% lower in Troy, NY. 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: $1,907 in Austin, TX versus $1,293 in Troy, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $2,388 in Troy, NY – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Troy, NY runs roughly 55% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,388 in Troy, NY versus $2,663 in Austin, TX, a $2,500 budget is realistic in Troy, NY but tight or insufficient in Austin, TX. The gap between the two cities makes Troy, NY the clear choice for anyone on this budget.

Both work as nomad bases, but Troy, NY delivers better value – similar infrastructure at $2,388 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Troy, NY hard to pass up.

Expats usually find Troy, NY gentler on the wallet – expenses run 12% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.