Last update: Oct 2026

Cost of Living Comparison Between Kelowna and New York, NY

For one person, living is cheaper in Kelowna: $2,351 a month against $5,142 in New York, NY, rent and utilities included – about $33,500 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Kelowna
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Kelowna Living Index
245

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

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Kelowna

🇨🇦 Canada

$2,351

/mo nomad

New York, NY

🇺🇸 United States

$5,142

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,351 in Kelowna versus $5,142 in New York, NY.

Kelowna $2,351
New York, NY $5,142

Estimated couple costs with rent: $3,444 in Kelowna versus $7,455 in New York, NY.

Kelowna $3,444
New York, NY $7,455

Monthly costs for a family of three with rent: $4,536 in Kelowna versus $9,767 in New York, NY.

Kelowna $4,536
New York, NY $9,767

Living in Kelowna costs roughly 54% less than in New York, NY, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Kelowna 75% above, New York, NY 284% above.

Meal at Budget Restaurant

$16.53 CA$23.51

$26.46 $26.46

-37.53%

Three-Course Dinner for Two, Mid-Range

$58.2 CA$82.8

$119 $119

-51.00%

Fast Food Meal (McDonalds, etc)

$11.36 CA$16.16

$14.43 $14.43

-21.28%

Cappuccino

$3.91 CA$5.56

$6.55 $6.55

-40.31%

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

$1.97 CA$2.80

$3.84 $3.84

-48.70%

Water (0.33 liter bottle)

$1.70 CA$2.42

$3.00 $3.00

-43.33%

Local Beer (0.5 liter draught)

$4.52 CA$6.42

$8.27 $8.27

-45.34%

Imported Beer (0.33 liter bottle)

$5.64 CA$8.03

$10.05 $10.05

-43.88%

Milk (1 liter)

$1.98 CA$2.82

$1.31 $1.31

51.15%

White Bread (500g)

$2.74 CA$3.90

$4.90 $4.90

-44.08%

Rice (white) (1kg)

$3.52 CA$5.01

$7.16 $7.16

-50.84%

Eggs

$3.14 CA$4.46

$5.92 $5.92

-46.96%

Local Cheese (1kg)

$9.04 CA$12.86

$19.06 $19.06

-52.57%

Chicken Fillets (1kg)

$13.07 CA$18.59

$17.38 $17.38

-24.80%

Beef Round Steak (1kg)

$21.06 CA$29.96

$18.94 $18.94

11.19%

Apples (1kg)

$3.34 CA$4.75

$6.96 $6.96

-52.01%

Banana (1kg)

$1.54 CA$2.19

$2.08 $2.08

-25.96%

Oranges (1kg)

$3.38 CA$4.81

$6.10 $6.10

-44.59%

Tomato (1kg)

$4.76 CA$6.77

$6.95 $6.95

-31.51%

Potato (1kg)

$3.04 CA$4.33

$3.98 $3.98

-23.62%

Onion (1kg)

$3.11 CA$4.43

$4.44 $4.44

-29.95%

Lettuce (1 head)

$2.51 CA$3.57

$2.81 $2.81

-10.68%

Water (1.5 liter bottle)

$1.87 CA$2.66

$2.51 $2.51

-25.50%

Cigarettes 20 Pack (Marlboro, Camel)

$14.00 CA$19.92

$19.27 $19.27

-27.35%

Wine (Bottle)

$13.39 CA$19.04

$19.67 $19.67

-31.93%

Local Beer (0.5 liter bottle)

$2.58 CA$3.67

$3.08 $3.08

-16.23%

Imported Beer (0.33 liter bottle)

$3.10 CA$4.41

$3.68 $3.68

-15.76%

One-way Ticket (Public Transport)

$1.72 CA$2.45

$3.02 $3.02

-43.05%

Public Transport Monthly Pass (Regular Price)

$48.15 CA$68.5

$140 $140

-65.49%

Taxi Start (Normal Tariff)

$2.79 CA$3.98

$3.07 $3.07

-9.12%

Taxi (Normal Tariff) (1km)

$1.71 CA$2.43

$2.13 $2.13

-19.72%

Taxi 1hour Waiting (Normal Tariff)

$33.36 CA$47.45

$41.21 $41.21

-19.05%

Gasoline (1 liter)

$1.27 CA$1.81

$1.11 $1.11

14.41%

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

$28.0K CA$39.9K

$35.0K $35.0K

-19.93%

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

$17.9K CA$25.4K

$25.4K $25.4K

-29.60%

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

$127 CA$181

$217 $217

-41.59%

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

$44.36 CA$63.1

$74.0 $74.0

-40.07%

Internet (50+ Mbps, Unlimited Data)

$55.9 CA$79.5

$72.5 $72.5

-22.88%

Gym Membership (Monthly)

$55.1 CA$78.3

$120 $120

-54.29%

Tennis Court (1 Hour on Weekend)

$30.27 CA$43.05

$66.9 $66.9

-54.75%

Cinema Ticket

$11.71 CA$16.66

$22.32 $22.32

-47.54%

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

$1,006 CA$1,430

$3,425 $3,425

-70.64%

International Primary School, 1 Child (Yearly)

$15.9K CA$22.7K

$61.2K $61.2K

-73.93%

Jeans (Levis 501 Or Similar)

$47.17 CA$67.1

$76.3 $76.3

-38.18%

Summer Dress (H&M, Zara, etc)

$40.66 CA$57.8

$55.5 $55.5

-26.67%

Sport Shoes (Adidas, Nike)

$83.3 CA$118

$119 $119

-30.15%

Men's Leather Business Shoes

$96.8 CA$138

$131 $131

-25.90%

1-bedroom Apartment, City Center (Monthly)

$1,353 CA$1,925

$4,506 $4,506

-69.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,197 CA$1,703

$3,155 $3,155

-62.05%

3-bedroom Apartment, City Center (Monthly)

$2,267 CA$3,225

$8,817 $8,817

-74.29%

3-bedroom Apartment, Outside City Center (Monthly)

$1,924 CA$2,736

$5,532 $5,532

-65.23%

Buy Apartment in City Center (m2)

$3,893 CA$5,538

$19.4K $19.4K

-79.92%

Buy Apartment Outside City Center (m2)

$3,207 CA$4,561

$6,754 $6,754

-52.52%

Average Monthly Net Salary (After Tax)

$3,012 CA$4,285

$5,290 $5,290

-43.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.69

6.82

-31.23%

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

Last update for Kelowna: October 6, 2026

Last update for New York, NY: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Kelowna

$1.2K 51.2%

New York, NY

$3.2K 63.2% 164% $2K

Groceries & Markets

Kelowna

$386 16.5%

New York, NY

$546 11% 41.3% $160

Eating Out

Kelowna

$262 11.2%

New York, NY

$422 8.5% 61.4% $161

Monthly Utilities & Internet

Kelowna

$227 9.7%

New York, NY

$364 7.3% 60.1% $137

Clothing & Footwear

Kelowna

$121 5.2%

New York, NY

$172 3.4% 42.4% $51

Sport & Entertainment

Kelowna

$78 3.4%

New York, NY

$165 3.3% 110% $87

Getting Around

Kelowna

$66 2.8%

New York, NY

$165 3.3% 149% $99

Cost Breakdown

A one-bedroom apartment in the center runs $1,353 in Kelowna and $4,506 in New York, NY. Housing cost is often the main lever when comparing two cities.

New York, NY pays 76% 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: $58.0 in Kelowna vs $119 in New York, NY for a mid-range dinner for two. Groceries echo the gap at $386 vs $546 per month, with Kelowna cheaper across the board.

Good to know

🇨🇦 Kelowna

🇺🇸 New York, NY

🕒 Local time

01:47 1:47 AM

04:47 4:47 AM

3 h ahead of Kelowna

🌤 Weather

👥 Population

144,576

8,804,190

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.703 USD

1 CAD = 0.627 EUR

1 USD = 0.892 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 10, 2026: 1 USD = 1.42 CAD (1 CAD = 0.703 USD). 1 EUR = 1.6 CAD (1 CAD = 0.627 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

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Between locations

Kelowna New York, NY 3,630 km ≈ 5 h nonstop flight

From you

Kelowna
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

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

Kelowna and New York, NY differ by about 119% in total monthly costs ($2,351 vs $5,142 including rent). Kelowna is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 76% lower in New York, 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: $1,353 in Kelowna versus $4,506 in New York, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,351 per month in Kelowna versus $5,142 in New York, NY – a 119% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kelowna runs roughly 190% less than in New York, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,351 in Kelowna versus $5,142 in New York, NY, a $3,000 budget is realistic in Kelowna but tight or insufficient in New York, NY. The gap between the two cities makes Kelowna 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, Kelowna and New York, NY 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 Kelowna gentler on the wallet – expenses run 119% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.