Last update: Oct 2026

Cost of Living Comparison Between Calgary and Troy, NY

For one person, living is cheaper in Calgary: $2,223 a month against $2,388 in Troy, NY, rent and utilities included – about $2,000 less a year. Other living expenses account for most of the difference.

109

Cost of Living Index in Calgary
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Calgary Living Index
117

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

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Calgary

🇨🇦 Canada

$2,223

/mo nomad

Troy, NY

🇺🇸 United States

$2,388

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,223 in Calgary versus $2,388 in Troy, NY.

Calgary $2,223
Troy, NY $2,388

Estimated couple costs with rent: $3,301 in Calgary versus $3,919 in Troy, NY.

Calgary $3,301
Troy, NY $3,919

Monthly costs for a family of three with rent: $4,379 in Calgary versus $5,451 in Troy, NY.

Calgary $4,379
Troy, NY $5,451

Living in Calgary costs roughly 7% less than in Troy, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Calgary 65% above, Troy, NY 77% above.

Meal at Budget Restaurant

$17.22 CA$24.34

$18.23 $18.23

-5.54%

Three-Course Dinner for Two, Mid-Range

$71.1 CA$100

$75.9 $75.9

-6.37%

Fast Food Meal (McDonalds, etc)

$10.53 CA$14.89

$12.04 $12.04

-12.54%

Cappuccino

$3.66 CA$5.18

$6.58 $6.58

-44.38%

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

$1.98 CA$2.80

$2.63 $2.63

-24.71%

Water (0.33 liter bottle)

$1.94 CA$2.74

$2.02 $2.02

-3.96%

Local Beer (0.5 liter draught)

$4.95 CA$7.00

$6.94 $6.94

-28.67%

Imported Beer (0.33 liter bottle)

$5.57 CA$7.87

$7.69 $7.69

-27.57%

Milk (1 liter)

$1.88 CA$2.65

$1.06 $1.06

77.36%

White Bread (500g)

$2.67 CA$3.78

$3.21 $3.21

-16.82%

Rice (white) (1kg)

$5.32 CA$7.52

$4.34 $4.34

22.58%

Eggs

$3.79 CA$5.35

$3.98 $3.98

-4.77%

Local Cheese (1kg)

$11.09 CA$15.68

$11.13 $11.13

-0.36%

Chicken Fillets (1kg)

$11.36 CA$16.05

$13.49 $13.49

-15.79%

Beef Round Steak (1kg)

$18.40 CA$26.01

$17.59 $17.59

4.60%

Apples (1kg)

$4.56 CA$6.45

$4.76 $4.76

-4.20%

Banana (1kg)

$1.44 CA$2.04

$1.39 $1.39

3.60%

Oranges (1kg)

$4.08 CA$5.76

$5.35 $5.35

-23.74%

Tomato (1kg)

$3.89 CA$5.50

$4.78 $4.78

-18.62%

Potato (1kg)

$2.64 CA$3.73

$3.02 $3.02

-12.58%

Onion (1kg)

$2.64 CA$3.73

$3.69 $3.69

-28.46%

Lettuce (1 head)

$2.50 CA$3.54

$2.20 $2.20

13.64%

Water (1.5 liter bottle)

$1.50 CA$2.12

$1.98 $1.98

-24.24%

Cigarettes 20 Pack (Marlboro, Camel)

$14.05 CA$19.86

$14.27 $14.27

-1.54%

Wine (Bottle)

$15.70 CA$22.20

$14.11 $14.11

11.27%

Local Beer (0.5 liter bottle)

$2.44 CA$3.45

$2.07 $2.07

17.87%

Imported Beer (0.33 liter bottle)

$3.09 CA$4.37

$3.99 $3.99

-22.56%

One-way Ticket (Public Transport)

$2.82 CA$3.99

$1.29 $1.29

118.60%

Public Transport Monthly Pass (Regular Price)

$88.6 CA$125

$64.6 $64.6

37.13%

Taxi Start (Normal Tariff)

$3.12 CA$4.41

$3.77 $3.77

-17.24%

Taxi (Normal Tariff) (1km)

$1.35 CA$1.91

$1.38 $1.38

-2.17%

Taxi 1hour Waiting (Normal Tariff)

$27.02 CA$38.20

$30.54 $30.54

-11.53%

Gasoline (1 liter)

$1.16 CA$1.64

$1.12 $1.12

3.57%

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

$27.9K CA$39.5K

$35.6K $35.6K

-21.69%

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

$20.3K CA$28.8K

$25.9K $25.9K

-21.42%

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

$161 CA$227

$214 $214

-24.84%

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

$38.13 CA$53.9

$59.3 $59.3

-35.74%

Internet (50+ Mbps, Unlimited Data)

$50.0 CA$70.7

$74.9 $74.9

-33.21%

Gym Membership (Monthly)

$51.5 CA$72.8

$44.04 $44.04

16.92%

Tennis Court (1 Hour on Weekend)

$18.14 CA$25.64

Cinema Ticket

$13.82 CA$19.54

$15.16 $15.16

-8.84%

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

$786 CA$1,111

$1,502 $1,502

-47.66%

International Primary School, 1 Child (Yearly)

$15.5K CA$21.8K

$17.2K $17.2K

-9.90%

Jeans (Levis 501 Or Similar)

$58.3 CA$82.4

$54.7 $54.7

6.54%

Summer Dress (H&M, Zara, etc)

$39.27 CA$55.5

$47.68 $47.68

-17.64%

Sport Shoes (Adidas, Nike)

$89.8 CA$127

$99.5 $99.5

-9.77%

Men's Leather Business Shoes

$110 CA$155

$123 $123

-10.49%

1-bedroom Apartment, City Center (Monthly)

$1,229 CA$1,737

$1,293 $1,293

-4.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,001 CA$1,415

$1,006 $1,006

-0.50%

3-bedroom Apartment, City Center (Monthly)

$1,921 CA$2,716

$3,046 $3,046

-36.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,621 CA$2,292

$2,439 $2,439

-33.54%

Buy Apartment in City Center (m2)

$3,549 CA$5,018

$2,537 $2,537

39.89%

Buy Apartment Outside City Center (m2)

$3,335 CA$4,715

$2,516 $2,516

32.58%

Average Monthly Net Salary (After Tax)

$3,165 CA$4,474

$7,603 $7,603

-58.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.51

6.66

-32.28%

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

Last update for Calgary: October 13, 2026

Last update for Troy, NY: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Calgary

$1K 45%

Troy, NY

$1K 42.2% 0.5% $5.1

Groceries & Markets

Calgary

$385 17.3%

Troy, NY

$403 16.9% 4.5% $17

Eating Out

Calgary

$265 11.9%

Troy, NY

$330 13.8% 24.4% $65

Monthly Utilities & Internet

Calgary

$249 11.2%

Troy, NY

$348 14.6% 39.9% $99

Clothing & Footwear

Calgary

$134 6%

Troy, NY

$146 6.1% 9.2% $12

Getting Around

Calgary

$110 4.9%

Troy, NY

$80 3.4% 26.7% $29

Sport & Entertainment

Calgary

$79 3.6%

Troy, NY

$74 3.1% 6% $4.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,229 in Calgary and $1,293 in Troy, NY. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 140% 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: $71.0 in Calgary vs $76.0 in Troy, NY for a mid-range dinner for two. Groceries echo the gap at $385 vs $403 per month, with Calgary cheaper across the board.

Good to know

🇨🇦 Calgary

🇺🇸 Troy, NY

🕒 Local time

20:25 8:25 PM

22:25 10:25 PM

2 h ahead of Calgary

🌤 Weather

👥 Population

1,267,344

51,401

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 18, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Between locations

Calgary Troy, NY 3,160 km ≈ 4 h 30 min nonstop flight

From you

Calgary
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

Calgary vs Troy, NY: Cost of Living - Frequently Asked Questions

Calgary is cheaper overall, especially in groceries, eating out, and clothing. The 7% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 140% 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: $1,229 in Calgary versus $1,293 in Troy, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Calgary – a meal for two runs $71.0 versus $76.0 in Troy, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,223 per month in Calgary versus $2,388 in Troy, NY – a 7% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,223 in Calgary versus $2,388 in Troy, NY, a $2,500 budget is realistic in Calgary but tight or insufficient in Troy, NY. The gap between the two cities makes Calgary the clear choice for anyone on this budget.

For families, Calgary is more practical. Housing and childcare are both notably cheaper than in Troy, NY, and the savings on those two alone free up budget for education, activities, and family trips.

Expats usually find Calgary gentler on the wallet – expenses run 7% less than in Troy, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.