Cost of Living Comparison Between Chelmsford and Galway Cost of Living Comparison Between Chelmsford and Galway

Monthly Cost of Living

Monthly costs for one person with rent: $2,462 in Chelmsford versus $3,128 in Galway.

Estimated couple costs with rent: $3,898 in Chelmsford versus $4,347 in Galway.

Monthly costs for a family of three with rent: $5,334 in Chelmsford versus $5,566 in Galway.

Living in Chelmsford costs roughly 21% less than in Galway, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Chelmsford 84% above, Galway 133% above.

Meal at Budget Restaurant

$20.20 £15.02

$18.34 €15.77

10.14%

Three-Course Dinner for Two, Mid-Range

$82.1 £61.0

$94.4 €81.2

-13.01%

Fast Food Meal (McDonalds, etc)

$9.40 £6.99

$10.39 €8.94

-9.53%

Cappuccino

$4.54 £3.37

$4.25 €3.65

6.82%

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

$3.01 £2.23

$2.42 €2.08

24.38%

Water (0.33 liter bottle)

$1.88 £1.40

$1.62 €1.40

16.05%

Local Beer (0.5 liter draught)

$7.40 £5.50

$6.73 €5.79

9.96%

Imported Beer (0.33 liter bottle)

$6.39 £4.75

$6.35 €5.46

0.63%

Milk (1 liter)

$1.71 £1.27

$1.50 €1.29

14.00%

White Bread (500g)

$1.91 £1.42

$2.58 €2.22

-25.97%

Rice (white) (1kg)

$1.89 £1.41

$2.15 €1.85

-12.09%

Eggs

$3.57 £2.65

$3.93 €3.38

-9.16%

Local Cheese (1kg)

$9.68 £7.20

$12.59 €10.83

-23.11%

Chicken Fillets (1kg)

$9.39 £6.98

$10.62 €9.13

-11.58%

Beef Round Steak (1kg)

$16.48 £12.25

$12.09 €10.40

36.31%

Apples (1kg)

$2.39 £1.78

$2.91 €2.50

-17.87%

Banana (1kg)

$1.26 £0.94

$2.09 €1.79

-39.71%

Oranges (1kg)

$3.43 £2.55

$2.86 €2.46

19.93%

Tomato (1kg)

$4.81 £3.57

$3.49 €3.00

37.82%

Potato (1kg)

$1.63 £1.21

$1.43 €1.23

13.99%

Onion (1kg)

$1.33 £0.99

$1.47 €1.26

-9.52%

Lettuce (1 head)

$1.15 £0.86

$1.40 €1.20

-17.86%

Water (1.5 liter bottle)

$1.66 £1.24

$1.58 €1.36

5.06%

Cigarettes 20 Pack (Marlboro, Camel)

$19.18 £14.26

$19.77 €17.01

-2.98%

Wine (Bottle)

$12.21 £9.08

$14.39 €12.38

-15.15%

Local Beer (0.5 liter bottle)

$2.84 £2.11

$4.99 €4.30

-43.09%

Imported Beer (0.33 liter bottle)

$3.71 £2.76

$5.06 €4.35

-26.68%

One-way Ticket (Public Transport)

$4.06 £3.02

$2.22 €1.91

82.88%

Public Transport Monthly Pass (Regular Price)

$71.5 £53.1

$68.9 €59.3

3.71%

Taxi Start (Normal Tariff)

$4.80 £3.57

$5.03 €4.32

-4.57%

Taxi (Normal Tariff) (1km)

$1.68 £1.25

$1.33 €1.15

26.32%

Taxi 1hour Waiting (Normal Tariff)

$26.68 £19.83

$43.73 €37.61

-38.99%

Gasoline (1 liter)

$1.94 £1.44

$2.09 €1.80

-7.18%

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

$35.6K £26.4K

$42.2K €36.3K

-15.60%

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

$38.0K £28.3K

$39.1K €33.7K

-2.85%

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

$206 £153

$285 €245

-27.47%

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

$15.29 £11.36

$21.92 €18.85

-30.25%

Internet (50+ Mbps, Unlimited Data)

$35.30 £26.24

$55.5 €47.74

-36.40%

Gym Membership (Monthly)

$52.7 £39.17

$57.2 €49.16

-7.79%

Tennis Court (1 Hour on Weekend)

$8.68 €7.47

Cinema Ticket

$13.41 £9.97

$13.80 €11.87

-2.83%

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

$1,386 £1,030

$1,066 €917

30.03%

International Primary School, 1 Child (Yearly)

$12.7K £9,441

$7,946 €6,835

59.85%

Jeans (Levis 501 Or Similar)

$103 £76.8

$91.2 €78.4

13.38%

Summer Dress (H&M, Zara, etc)

$42.94 £31.91

$40.06 €34.46

7.19%

Sport Shoes (Adidas, Nike)

$114 £84.6

$100 €86.4

13.34%

Men's Leather Business Shoes

$120 £89.0

$107 €91.8

12.26%

1-bedroom Apartment, City Center (Monthly)

$1,445 £1,074

$2,005 €1,725

-27.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,232 £916

$1,724 €1,483

-28.53%

3-bedroom Apartment, City Center (Monthly)

$2,760 £2,052

$3,380 €2,907

-18.33%

3-bedroom Apartment, Outside City Center (Monthly)

$2,562 £1,904

$2,517 €2,165

1.79%

Buy Apartment in City Center (m2)

$6,193 €5,327

Buy Apartment Outside City Center (m2)

$4,705 €4,047

Average Monthly Net Salary (After Tax)

$3,245 £2,412

$3,228 €2,777

0.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.73

4.8

19.38%

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

Last update for Chelmsford: May 30, 2026

Last update for Galway: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,445 in Chelmsford and $2,005 in Galway. Housing cost is often the main lever when comparing two cities.

Chelmsford pays 1% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $82.0 in Chelmsford vs $94.0 in Galway for a mid-range dinner for two. Groceries echo the gap at $319 vs $344 per month, with Chelmsford cheaper across the board.

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

Chelmsford vs Galway: Cost of Living - Frequently Asked Questions

Chelmsford and Galway differ by about 27% in total monthly costs ($2,462 vs $3,128 including rent). Chelmsford is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Chelmsford pays 1% more on average, 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: $1,445 in Chelmsford versus $2,005 in Galway. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,386 in Chelmsford versus $1,066 in Galway. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 8% higher in Galway. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $3,000. Chelmsford 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.

Safety-wise, Chelmsford and Galway are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Chelmsford gentler on the wallet – expenses run 27% less than in Galway. Beyond cost, consider language, visa policies, and how big the international community is in each city.