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

Monthly Cost of Living

Monthly costs for one person with rent: $3,435 in Galway versus $2,527 in Chelmsford.

Estimated couple costs with rent: $4,835 in Galway versus $3,920 in Chelmsford.

Monthly costs for a family of three with rent: $6,236 in Galway versus $5,314 in Chelmsford.

Living in Galway is roughly 36% more expensive than in Chelmsford, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Galway 150% above, Chelmsford 84% above.

Meal at Budget Restaurant

$23.56 €20.33

$27.02 £20.04

-12.81%

Three-Course Dinner for Two, Mid-Range

$115 €99.4

$60.5 £44.85

90.39%

Fast Food Meal (McDonalds, etc)

$17.60 €15.19

$9.23 £6.84

90.68%

Cappuccino

$4.96 €4.28

$4.85 £3.60

2.27%

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

$3.17 €2.73

$3.11 £2.31

1.93%

Water (0.33 liter bottle)

$2.38 €2.06

$1.72 £1.27

38.37%

Local Beer (0.5 liter draught)

$8.01 €6.91

$7.25 £5.38

10.48%

Imported Beer (0.33 liter bottle)

$7.02 €6.06

$7.54 £5.60

-6.90%

Milk (1 liter)

$1.72 €1.48

$1.78 £1.32

-3.37%

White Bread (500g)

$2.48 €2.14

$2.31 £1.72

7.36%

Rice (white) (1kg)

$2.29 €1.97

$2.84 £2.11

-19.37%

Eggs

$4.57 €3.94

$3.58 £2.66

27.65%

Local Cheese (1kg)

$17.22 €14.86

$8.33 £6.18

106.72%

Chicken Fillets (1kg)

$11.39 €9.83

$9.03 £6.70

26.14%

Beef Round Steak (1kg)

$14.11 €12.17

$14.75 £10.94

-4.34%

Apples (1kg)

$3.04 €2.63

$2.30 £1.71

32.17%

Banana (1kg)

$2.26 €1.95

$1.47 £1.09

53.74%

Oranges (1kg)

$3.22 €2.78

$3.82 £2.83

-15.71%

Tomato (1kg)

$4.21 €3.63

$3.26 £2.42

29.14%

Potato (1kg)

$2.12 €1.83

$1.76 £1.30

20.45%

Onion (1kg)

$1.59 €1.37

$1.62 £1.20

-1.85%

Lettuce (1 head)

$1.32 €1.14

$1.14 £0.84

15.79%

Water (1.5 liter bottle)

$1.98 €1.71

$1.82 £1.35

8.79%

Cigarettes 20 Pack (Marlboro, Camel)

$21.17 €18.27

$23.23 £17.23

-8.87%

Wine (Bottle)

$14.33 €12.37

$12.35 £9.16

16.03%

Local Beer (0.5 liter bottle)

$4.24 €3.66

$2.98 £2.21

42.28%

Imported Beer (0.33 liter bottle)

$4.54 €3.91

$3.57 £2.65

27.17%

One-way Ticket (Public Transport)

$2.16 €1.87

$4.08 £3.03

-47.06%

Public Transport Monthly Pass (Regular Price)

$64.8 €55.9

$71.2 £52.8

-9.00%

Taxi Start (Normal Tariff)

$5.44 €4.70

$4.82 £3.57

12.86%

Taxi (Normal Tariff) (1km)

$1.55 €1.33

$1.75 £1.29

-11.43%

Taxi 1hour Waiting (Normal Tariff)

$58.1 €50.2

$27.30 £20.24

112.93%

Gasoline (1 liter)

$2.17 €1.87

$1.92 £1.42

13.02%

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

$41.2K €35.6K

$38.5K £28.6K

7.05%

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

$38.2K €32.9K

$41.9K £31.0K

-8.76%

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

$248 €214

$272 £202

-8.76%

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

$23.68 €20.43

$15.01 £11.13

57.76%

Internet (50+ Mbps, Unlimited Data)

$52.0 €44.90

$36.62 £27.16

42.08%

Gym Membership (Monthly)

$45.70 €39.43

$50.6 £37.54

-9.72%

Tennis Court (1 Hour on Weekend)

$22.88 €19.74

Cinema Ticket

$17.39 €15.01

$17.95 £13.32

-3.12%

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

$1,053 €909

$1,873 £1,389

-43.77%

International Primary School, 1 Child (Yearly)

$13.3K £9,864

Jeans (Levis 501 Or Similar)

$106 €91.3

$103 £76.5

2.51%

Summer Dress (H&M, Zara, etc)

$50.8 €43.87

$44.50 £33.01

14.25%

Sport Shoes (Adidas, Nike)

$113 €97.9

$99.0 £73.4

14.62%

Men's Leather Business Shoes

$119 €103

$88.4 £65.6

35.14%

1-bedroom Apartment, City Center (Monthly)

$2,363 €2,039

$1,566 £1,162

50.92%

1-bedroom Apartment, Outside City Center (Monthly)

$2,033 €1,755

$1,229 £912

65.42%

3-bedroom Apartment, City Center (Monthly)

$3,803 €3,282

$2,703 £2,005

40.69%

3-bedroom Apartment, Outside City Center (Monthly)

$2,839 €2,450

$2,554 £1,894

11.17%

Buy Apartment in City Center (m2)

$6,218 €5,366

Buy Apartment Outside City Center (m2)

$4,804 €4,145

Average Monthly Net Salary (After Tax)

$2,955 €2,550

$2,953 £2,190

0.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.68

5.21

-29.37%

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

Last update for Galway: September 1, 2026

Last update for Chelmsford: September 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,363 in Galway and $1,566 in Chelmsford. Housing cost is often the main lever when comparing two cities.

Galway pays 0% 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: $115 in Galway vs $60.0 in Chelmsford for a mid-range dinner for two. Groceries echo the gap at $381 vs $315 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

Galway vs Chelmsford: Cost of Living - Frequently Asked Questions

Galway and Chelmsford differ by about 36% in total monthly costs ($3,435 vs $2,527 including rent). Chelmsford is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 0% higher in Galway, 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: $2,363 in Galway versus $1,566 in Chelmsford. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,053 in Galway versus $1,873 in Chelmsford. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 21% 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, Galway and Chelmsford 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 36% less than in Galway. Beyond cost, consider language, visa policies, and how big the international community is in each city.