Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Albany, OR

For one person, living is cheaper in Albany, OR: $2,968 a month against $4,941 in New York, NY, rent and utilities included – about $23,700 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
140

Cost of Living Index in Albany, OR
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Albany, OR Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Albany, OR

🇺🇸 United States

$2,968

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Albany, OR

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

Monthly costs for one person with rent: $4,941 in New York, NY versus $2,968 in Albany, OR.

New York, NY $4,941
Albany, OR $2,968

Estimated couple costs with rent: $7,225 in New York, NY versus $4,301 in Albany, OR.

New York, NY $7,225
Albany, OR $4,301

Monthly costs for a family of three with rent: $9,509 in New York, NY versus $5,633 in Albany, OR.

New York, NY $9,509
Albany, OR $5,633

Living in New York, NY is roughly 67% more expensive than in Albany, OR, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: New York, NY 263% above, Albany, OR 118% above.

Meal at Budget Restaurant

$28.55 $28.55

$25.20 $25.20

13.29%

Three-Course Dinner for Two, Mid-Range

$118 $118

$89.4 $89.4

32.52%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$13.20 $13.20

13.94%

Cappuccino

$6.53 $6.53

$5.88 $5.88

11.05%

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

$3.96 $3.96

$2.43 $2.43

62.96%

Water (0.33 liter bottle)

$3.01 $3.01

$1.93 $1.93

55.96%

Local Beer (0.5 liter draught)

$8.16 $8.16

$8.23 $8.23

-0.85%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$8.05 $8.05

22.24%

Milk (1 liter)

$1.37 $1.37

$0.93 $0.93

47.31%

White Bread (500g)

$4.97 $4.97

$3.26 $3.26

52.45%

Rice (white) (1kg)

$7.81 $7.81

$1.98 $1.98

294.44%

Eggs

$5.97 $5.97

$3.43 $3.43

74.05%

Local Cheese (1kg)

$18.91 $18.91

$7.51 $7.51

151.80%

Chicken Fillets (1kg)

$18.04 $18.04

$18.61 $18.61

-3.06%

Beef Round Steak (1kg)

$19.05 $19.05

$27.49 $27.49

-30.70%

Apples (1kg)

$6.76 $6.76

$6.71 $6.71

0.75%

Banana (1kg)

$2.27 $2.27

$2.02 $2.02

12.38%

Oranges (1kg)

$6.83 $6.83

$5.94 $5.94

14.98%

Tomato (1kg)

$7.09 $7.09

$8.78 $8.78

-19.25%

Potato (1kg)

$4.22 $4.22

$2.76 $2.76

52.90%

Onion (1kg)

$4.65 $4.65

$2.29 $2.29

103.06%

Lettuce (1 head)

$2.87 $2.87

$3.15 $3.15

-8.89%

Water (1.5 liter bottle)

$2.60 $2.60

$2.61 $2.61

-0.38%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$11.51 $11.51

63.08%

Wine (Bottle)

$20.13 $20.13

$15.71 $15.71

28.13%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$3.49 $3.49

-1.15%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$5.33 $5.33

-24.58%

One-way Ticket (Public Transport)

$2.91 $2.91

$1.84 $1.84

58.15%

Public Transport Monthly Pass (Regular Price)

$139 $139

$66.6 $66.6

108.68%

Taxi Start (Normal Tariff)

$3.08 $3.08

$5.05 $5.05

-39.01%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.86 $1.86

13.98%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$24.47 $24.47

71.48%

Gasoline (1 liter)

$1.17 $1.17

$1.28 $1.28

-8.59%

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

$34.5K $34.5K

$34.2K $34.2K

0.95%

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

$25.9K $25.9K

$26.1K $26.1K

-0.79%

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

$219 $219

$313 $313

-29.83%

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

$74.2 $74.2

$62.7 $62.7

18.48%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$68.3 $68.3

2.86%

Gym Membership (Monthly)

$112 $112

$39.56 $39.56

182.99%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$22.14 $22.14

$14.81 $14.81

49.49%

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

$3,558 $3,558

$1,662 $1,662

114.08%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$24.6K $24.6K

152.92%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$64.6 $64.6

16.99%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$41.63 $41.63

22.99%

Sport Shoes (Adidas, Nike)

$123 $123

$113 $113

9.36%

Men's Leather Business Shoes

$140 $140

$132 $132

5.94%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,539 $1,539

192.30%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$1,331 $1,331

131.30%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$2,567 $2,567

268.04%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$2,091 $2,091

148.15%

Buy Apartment in City Center (m2)

$18.1K $18.1K

$3,046 $3,046

494.51%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

$3,024 $3,024

121.35%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$4,437 $4,437

17.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.35

8.03%

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

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

Last update for Albany, OR: October 26, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 62.3%

Albany, OR

$1.3K 44.9% 56.8% $1.7K

Groceries & Markets

New York, NY

$563 11.4%

Albany, OR

$491 16.6% 12.7% $72

Eating Out

New York, NY

$440 8.9%

Albany, OR

$386 13% 12.2% $54

Monthly Utilities & Internet

New York, NY

$364 7.4%

Albany, OR

$444 15% 21.9% $80

Clothing & Footwear

New York, NY

$175 3.6%

Albany, OR

$158 5.3% 10% $18

Getting Around

New York, NY

$164 3.3%

Albany, OR

$88 3% 46.2% $76

Sport & Entertainment

New York, NY

$156 3.2%

Albany, OR

$69 2.3% 55.7% $87

Cost Breakdown

A one-bedroom apartment in the center runs $4,499 in New York, NY and $1,539 in Albany, OR. Housing cost is often the main lever when comparing two cities.

New York, NY pays 18% 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: $118 in New York, NY vs $89 in Albany, OR for a mid-range dinner for two. Groceries echo the gap at $563 vs $491 per month, with Albany, OR cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 Albany, OR

🕒 Local time

18:25 6:25 PM

15:25 3:25 PM

3 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

99,224

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

On the map

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Between locations

New York, NY Albany, OR 3,970 km ≈ 5 h nonstop flight

From you

New York, NY
Albany, OR

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

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

Albany, OR wins on cost – living expenses run 40% lower than in New York, NY. Housing and daily spending are where you’ll feel the difference most, making Albany, OR the obvious pick if budget is a priority.

Average pay runs 18% higher in New York, NY, 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: $4,499 in New York, NY versus $1,539 in Albany, OR. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,558 in New York, NY versus $1,662 in Albany, OR. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 15% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $2,000. Albany, OR 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.

Expats usually find Albany, OR gentler on the wallet – expenses run 40% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.