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: $3,012 in Galway versus $2,425 in Chelmsford.

Estimated couple costs with rent: $4,270 in Galway versus $3,901 in Chelmsford.

Monthly costs for a family of three with rent: $5,527 in Galway versus $5,377 in Chelmsford.

Living in Galway is roughly 24% more expensive than in Chelmsford, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Galway 125% above, Chelmsford 81% above.

Meal at Budget Restaurant

$18.43 €16.10

$20.18 £15.01

-8.67%

Three-Course Dinner for Two, Mid-Range

$95.6 €83.6

$80.6 £59.9

18.68%

Fast Food Meal (McDonalds, etc)

$10.29 €8.99

$9.29 £6.91

10.76%

Cappuccino

$4.17 €3.65

$4.48 £3.33

-6.92%

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

$2.31 €2.02

$2.91 £2.17

-20.62%

Water (0.33 liter bottle)

$1.61 €1.41

$1.92 £1.42

-16.15%

Local Beer (0.5 liter draught)

$6.96 €6.08

$7.64 £5.68

-8.90%

Imported Beer (0.33 liter bottle)

$6.49 €5.67

$6.51 £4.84

-0.31%

Milk (1 liter)

$1.50 €1.31

$1.77 £1.32

-15.25%

White Bread (500g)

$2.55 €2.23

$1.82 £1.35

40.11%

Rice (white) (1kg)

$2.20 €1.92

$1.98 £1.47

11.11%

Eggs

$4.00 €3.49

$3.53 £2.62

13.31%

Local Cheese (1kg)

$12.49 €10.91

$9.63 £7.16

29.70%

Chicken Fillets (1kg)

$10.50 €9.17

$9.60 £7.14

9.38%

Beef Round Steak (1kg)

$12.15 €10.61

$16.63 £12.36

-26.94%

Apples (1kg)

$3.02 €2.64

$2.46 £1.83

22.76%

Banana (1kg)

$2.00 €1.75

$1.24 £0.92

61.29%

Oranges (1kg)

$2.83 €2.47

$3.59 £2.67

-21.17%

Tomato (1kg)

$3.40 €2.97

$4.80 £3.57

-29.17%

Potato (1kg)

$1.44 €1.26

$1.64 £1.22

-12.20%

Onion (1kg)

$1.43 €1.25

$1.38 £1.03

3.62%

Lettuce (1 head)

$1.38 €1.21

$1.14 £0.85

21.05%

Water (1.5 liter bottle)

$1.67 €1.46

$1.74 £1.29

-4.02%

Cigarettes 20 Pack (Marlboro, Camel)

$19.25 €16.82

$18.99 £14.12

1.37%

Wine (Bottle)

$14.02 €12.25

$12.03 £8.95

16.54%

Local Beer (0.5 liter bottle)

$4.76 €4.16

$2.74 £2.03

73.72%

Imported Beer (0.33 liter bottle)

$4.99 €4.36

$3.65 £2.72

36.71%

One-way Ticket (Public Transport)

$2.32 €2.03

$4.02 £2.99

-42.29%

Public Transport Monthly Pass (Regular Price)

$69.5 €60.7

$71.9 £53.5

-3.39%

Taxi Start (Normal Tariff)

$5.05 €4.41

$4.84 £3.60

4.34%

Taxi (Normal Tariff) (1km)

$1.38 €1.21

$1.67 £1.24

-17.37%

Taxi 1hour Waiting (Normal Tariff)

$42.64 €37.25

$26.36 £19.60

61.76%

Gasoline (1 liter)

$2.00 €1.74

$1.88 £1.40

6.38%

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

$41.6K €36.3K

$36.1K £26.8K

15.24%

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

$39.0K €34.1K

$39.3K £29.2K

-0.81%

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

$280 €245

$210 £156

33.06%

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

$21.89 €19.13

$15.36 £11.42

42.51%

Internet (50+ Mbps, Unlimited Data)

$54.9 €47.97

$35.24 £26.19

55.79%

Gym Membership (Monthly)

$56.3 €49.22

$52.8 £39.26

6.67%

Tennis Court (1 Hour on Weekend)

$8.62 €7.53

Cinema Ticket

$13.77 €12.03

$13.40 £9.96

2.76%

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

$1,074 €938

$1,376 £1,023

-21.95%

International Primary School, 1 Child (Yearly)

$8,143 €7,115

$12.5K £9,264

-34.65%

Jeans (Levis 501 Or Similar)

$88.9 €77.6

$104 £77.3

-14.50%

Summer Dress (H&M, Zara, etc)

$40.24 €35.16

$42.16 £31.34

-4.55%

Sport Shoes (Adidas, Nike)

$103 €89.9

$115 £85.7

-10.79%

Men's Leather Business Shoes

$108 €94.6

$121 £90.0

-10.52%

1-bedroom Apartment, City Center (Monthly)

$1,977 €1,727

$1,441 £1,071

37.22%

1-bedroom Apartment, Outside City Center (Monthly)

$1,781 €1,556

$1,212 £901

46.98%

3-bedroom Apartment, City Center (Monthly)

$3,265 €2,852

$2,781 £2,068

17.38%

3-bedroom Apartment, Outside City Center (Monthly)

$2,522 €2,204

$2,563 £1,906

-1.60%

Buy Apartment in City Center (m2)

$6,224 €5,438

Buy Apartment Outside City Center (m2)

$4,731 €4,134

Average Monthly Net Salary (After Tax)

$3,060 €2,673

$3,304 £2,456

-7.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.8

5.73

-16.23%

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

Last update for Galway: July 14, 2026

Last update for Chelmsford: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,977 in Galway and $1,441 in Chelmsford. Housing cost is often the main lever when comparing two cities.

Chelmsford pays 8% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $96.0 in Galway vs $81.0 in Chelmsford for a mid-range dinner for two. Groceries echo the gap at $342 vs $321 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 24% in total monthly costs ($3,012 vs $2,425 including rent). Chelmsford is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 8% lower in Chelmsford. 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: $1,977 in Galway versus $1,441 in Chelmsford. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,074 in Galway versus $1,376 in Chelmsford. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Galway. For households that cook at home regularly, that difference adds up over a month.

At $2,425 in Chelmsford versus $3,012 in Galway, a $3,000 budget is realistic in Chelmsford but tight or insufficient in Galway. The gap between the two cities makes Chelmsford the clear choice for anyone on this budget.

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 24% less than in Galway. Beyond cost, consider language, visa policies, and how big the international community is in each city.