Last update: Oct 2026

Cost of Living Comparison Between Irving, TX and New York, NY

For one person, living is cheaper in Irving, TX: $2,405 a month against $4,941 in New York, NY, rent and utilities included – about $30,400 less a year. Rent and utilities account for most of the difference.

116

Cost of Living Index in Irving, TX
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Irving, TX Living Index
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Irving, TX

🇺🇸 United States

$2,405

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Irving, TX and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Irving, TX and in New York, NY actually costs, broken down by who's living it.

A single person spends $2,405 per month in Irving, TX vs $4,941 in New York, NY, rent included.

Irving, TX $2,405
New York, NY $4,941

A couple spends around $3,496 per month in Irving, TX vs $7,225 in New York, NY, rent included.

Irving, TX $3,496
New York, NY $7,225

A family of three spends $4,588 per month in Irving, TX vs $9,509 in New York, NY, rent included.

Irving, TX $4,588
New York, NY $9,509

Irving, TX is about 51% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Irving, TX and New York, NY sit above the global median – Irving, TX by 77%, New York, NY by 263%.

Meal at Budget Restaurant

$15.07 $15.07

$28.55 $28.55

-47.22%

Three-Course Dinner for Two, Mid-Range

$75.1 $75.1

$118 $118

-36.60%

Fast Food Meal (McDonalds, etc)

$10.93 $10.93

$15.04 $15.04

-27.33%

Cappuccino

$4.73 $4.73

$6.53 $6.53

-27.57%

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

$2.61 $2.61

$3.96 $3.96

-34.09%

Water (0.33 liter bottle)

$1.59 $1.59

$3.01 $3.01

-47.18%

Local Beer (0.5 liter draught)

$6.10 $6.10

$8.16 $8.16

-25.25%

Imported Beer (0.33 liter bottle)

$6.09 $6.09

$9.84 $9.84

-38.11%

Milk (1 liter)

$0.82 $0.82

$1.37 $1.37

-40.15%

White Bread (500g)

$2.78 $2.78

$4.97 $4.97

-44.06%

Rice (white) (1kg)

$2.90 $2.90

$7.81 $7.81

-62.87%

Eggs

$2.78 $2.78

$5.97 $5.97

-53.43%

Local Cheese (1kg)

$10.01 $10.01

$18.91 $18.91

-47.07%

Chicken Fillets (1kg)

$10.13 $10.13

$18.04 $18.04

-43.85%

Beef Round Steak (1kg)

$16.59 $16.59

$19.05 $19.05

-12.91%

Apples (1kg)

$4.31 $4.31

$6.76 $6.76

-36.24%

Banana (1kg)

$1.48 $1.48

$2.27 $2.27

-34.80%

Oranges (1kg)

$3.28 $3.28

$6.83 $6.83

-51.98%

Tomato (1kg)

$2.73 $2.73

$7.09 $7.09

-61.50%

Potato (1kg)

$1.94 $1.94

$4.22 $4.22

-54.03%

Onion (1kg)

$1.65 $1.65

$4.65 $4.65

-64.52%

Lettuce (1 head)

$1.56 $1.56

$2.87 $2.87

-45.64%

Water (1.5 liter bottle)

$1.96 $1.96

$2.60 $2.60

-24.62%

Cigarettes 20 Pack (Marlboro, Camel)

$9.99 $9.99

$18.77 $18.77

-46.78%

Wine (Bottle)

$10.54 $10.54

$20.13 $20.13

-47.64%

Local Beer (0.5 liter bottle)

$1.70 $1.70

$3.45 $3.45

-50.72%

Imported Beer (0.33 liter bottle)

$3.90 $3.90

$4.02 $4.02

-2.99%

One-way Ticket (Public Transport)

$2.92 $2.92

$2.91 $2.91

0.34%

Public Transport Monthly Pass (Regular Price)

$126 $126

$139 $139

-9.27%

Taxi Start (Normal Tariff)

$3.24 $3.24

$3.08 $3.08

5.19%

Taxi (Normal Tariff) (1km)

$1.56 $1.56

$2.12 $2.12

-26.42%

Taxi 1hour Waiting (Normal Tariff)

$29.99 $29.99

$41.96 $41.96

-28.53%

Gasoline (1 liter)

$0.88 $0.88

$1.17 $1.17

-24.79%

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

$27.1K $27.1K

$34.5K $34.5K

-21.30%

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

$24.8K $24.8K

$25.9K $25.9K

-3.91%

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

$225 $225

$219 $219

2.74%

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

$49.10 $49.10

$74.2 $74.2

-33.86%

Internet (50+ Mbps, Unlimited Data)

$67.3 $67.3

$70.2 $70.2

-4.17%

Gym Membership (Monthly)

$24.39 $24.39

$112 $112

-78.21%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$6.79 $6.79

$22.14 $22.14

-69.33%

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

$1,816 $1,816

$3,558 $3,558

-48.95%

International Primary School, 1 Child (Yearly)

$20.5K $20.5K

$62.2K $62.2K

-67.00%

Jeans (Levis 501 Or Similar)

$22.86 $22.86

$75.6 $75.6

-69.77%

Summer Dress (H&M, Zara, etc)

$24.97 $24.97

$51.2 $51.2

-51.23%

Sport Shoes (Adidas, Nike)

$65.4 $65.4

$123 $123

-46.91%

Men's Leather Business Shoes

$95.9 $95.9

$140 $140

-31.39%

1-bedroom Apartment, City Center (Monthly)

$1,509 $1,509

$4,499 $4,499

-66.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,190 $1,190

$3,078 $3,078

-61.35%

3-bedroom Apartment, City Center (Monthly)

$2,811 $2,811

$9,447 $9,447

-70.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,954 $1,954

$5,190 $5,190

-62.36%

Buy Apartment in City Center (m2)

$3,744 $3,744

$18.1K $18.1K

-79.32%

Buy Apartment Outside City Center (m2)

$2,410 $2,410

$6,693 $6,693

-63.99%

Average Monthly Net Salary (After Tax)

$4,133 $4,133

$5,220 $5,220

-20.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.86

-3.50%

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

Last update for Irving, TX: October 26, 2026

Last update for New York, NY: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Irving, TX

$1.2K 49.5%

New York, NY

$3.1K 62.3% 159% $1.9K

Monthly Utilities & Internet

Irving, TX

$342 14.2%

New York, NY

$364 7.4% 6.5% $22

Groceries & Markets

Irving, TX

$323 13.4%

New York, NY

$563 11.4% 74.5% $240

Eating Out

Irving, TX

$270 11.2%

New York, NY

$440 8.9% 63.3% $171

Getting Around

Irving, TX

$149 6.2%

New York, NY

$164 3.3% 10.4% $15

Clothing & Footwear

Irving, TX

$94 3.9%

New York, NY

$175 3.6% 86.4% $81

Sport & Entertainment

Irving, TX

$38 1.6%

New York, NY

$156 3.2% 312% $118

Cost Breakdown

A central one-bedroom costs $1,509 in Irving, TX versus $4,499 in New York, NY. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 26% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $75 in Irving, TX versus $118 in New York, NY. Monthly groceries follow the same trend: $323 vs $563 – making Irving, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Irving, TX

🇺🇸 New York, NY

🕒 Local time

08:32 8:32 AM

09:32 9:32 AM

1 h ahead of Irving, TX

🌤 Weather

👥 Population

256,684

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

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Between locations

Irving, TX New York, NY 2,200 km ≈ 3 h 15 min nonstop flight

From you

Irving, TX
New York, 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

Irving, TX vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 105% more than Irving, TX, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,607 per month in Irving, TX and $7,412 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Irving, TX, especially for central apartments: a one-bedroom in the center costs $1,509 there versus $4,499 in New York, NY.

Monthly expenses with rent come to $2,405 in Irving, TX and $4,941 in New York, NY. That makes Irving, TX about 51% cheaper.

Public transport costs about 9% less in Irving, TX. For daily commuters, that gap adds up to noticeable savings over a year.

$2,000 is a stretch for both – monthly costs hit $2,405 in Irving, TX and $4,941 in New York, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Irving, TX – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Irving, TX. If higher salaries or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.