Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Andover, MA

For one person, living is cheaper in Andover, MA: $2,787 a month against $4,906 in New York, NY, rent and utilities included – about $25,400 less a year. Rent and utilities account for most of the difference.

234

Cost of Living Index in New York, NY
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New York, NY Living Index
125

Cost of Living Index in Andover, MA
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Andover, MA Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Andover, MA

🇺🇸 United States

$2,787

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Andover, MA

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 Andover, MA actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,787 in Andover, MA, rent included.

New York, NY $4,906
Andover, MA $2,787

A couple spends around $7,273 per month in New York, NY vs $4,130 in Andover, MA, rent included.

New York, NY $7,273
Andover, MA $4,130

A family of three spends $9,641 per month in New York, NY vs $5,473 in Andover, MA, rent included.

New York, NY $9,641
Andover, MA $5,473

New York, NY costs about 76% more than Andover, MA, and outside of rent the biggest gap is in eating out.

Both New York, NY and Andover, MA sit above the global median – New York, NY by 263%, Andover, MA by 106%.

Meal at Budget Restaurant

$26.93 $26.93

$20.86 $20.86

29.10%

Three-Course Dinner for Two, Mid-Range

$117 $117

$90.8 $90.8

28.60%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$11.91 $11.91

22.59%

Cappuccino

$6.54 $6.54

$4.35 $4.35

50.34%

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

$3.86 $3.86

$3.29 $3.29

17.33%

Water (0.33 liter bottle)

$2.95 $2.95

$1.47 $1.47

100.68%

Local Beer (0.5 liter draught)

$8.08 $8.08

$6.79 $6.79

19.00%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.30 $7.30

34.93%

Milk (1 liter)

$1.31 $1.31

$1.53 $1.53

-14.38%

White Bread (500g)

$4.97 $4.97

$4.91 $4.91

1.22%

Rice (white) (1kg)

$7.70 $7.70

$4.16 $4.16

85.10%

Eggs

$6.09 $6.09

$5.04 $5.04

20.83%

Local Cheese (1kg)

$19.55 $19.55

$22.79 $22.79

-14.22%

Chicken Fillets (1kg)

$17.59 $17.59

$13.01 $13.01

35.20%

Beef Round Steak (1kg)

$20.26 $20.26

$17.20 $17.20

17.79%

Apples (1kg)

$6.99 $6.99

$7.15 $7.15

-2.24%

Banana (1kg)

$2.21 $2.21

$2.11 $2.11

4.74%

Oranges (1kg)

$6.72 $6.72

$4.54 $4.54

48.02%

Tomato (1kg)

$7.12 $7.12

$4.40 $4.40

61.82%

Potato (1kg)

$4.61 $4.61

$1.57 $1.57

193.63%

Onion (1kg)

$4.78 $4.78

$2.73 $2.73

75.09%

Lettuce (1 head)

$2.87 $2.87

$1.11 $1.11

158.56%

Water (1.5 liter bottle)

$2.69 $2.69

$3.05 $3.05

-11.80%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$13.76 $13.76

39.10%

Wine (Bottle)

$19.63 $19.63

$16.06 $16.06

22.23%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.76 $1.76

88.64%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.05 $2.05

104.39%

One-way Ticket (Public Transport)

$3.02 $3.02

$1.84 $1.84

64.13%

Public Transport Monthly Pass (Regular Price)

$139 $139

$64.4 $64.4

116.38%

Taxi Start (Normal Tariff)

$3.04 $3.04

$5.11 $5.11

-40.51%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.30 $2.30

-4.35%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$48.65 $48.65

-15.05%

Gasoline (1 liter)

$1.13 $1.13

$1.15 $1.15

-1.74%

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

$34.5K $34.5K

$28.2K $28.2K

22.04%

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

$25.8K $25.8K

$26.2K $26.2K

-1.43%

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

$232 $232

$190 $190

22.12%

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

$71.0 $71.0

$54.1 $54.1

31.27%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$53.6 $53.6

26.14%

Gym Membership (Monthly)

$115 $115

$41.72 $41.72

176.53%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$13.20 $13.20

69.77%

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

$3,606 $3,606

$818 $818

340.63%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$35.1K $35.1K

95.53%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$58.8 $58.8

34.76%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$38.10 $38.10

34.91%

Sport Shoes (Adidas, Nike)

$121 $121

$53.0 $53.0

128.62%

Men's Leather Business Shoes

$140 $140

$79.6 $79.6

76.42%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,586 $1,586

187.16%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,436 $1,436

111.72%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,547 $2,547

282.50%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,384 $2,384

123.62%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,989 $2,989

509.69%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,534 $2,534

163.81%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$5,661 $5,661

-9.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.59

4.55%

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

Last update for New York, NY: November 1, 2026

Last update for Andover, MA: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Andover, MA

$1.4K 51.5% 52.8% $1.6K

Groceries & Markets

New York, NY

$567 11.6%

Andover, MA

$471 16.9% 17% $96

Eating Out

New York, NY

$425 8.7%

Andover, MA

$322 11.6% 24.2% $103

Monthly Utilities & Internet

New York, NY

$371 7.6%

Andover, MA

$298 10.7% 19.7% $73

Clothing & Footwear

New York, NY

$176 3.6%

Andover, MA

$103 3.7% 41.5% $73

Getting Around

New York, NY

$165 3.4%

Andover, MA

$88 3.2% 46.6% $77

Sport & Entertainment

New York, NY

$160 3.3%

Andover, MA

$68 2.4% 57.5% $92

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,586 in Andover, MA. 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 11% higher in Andover, MA, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $117 in New York, NY versus $91 in Andover, MA. Monthly groceries follow the same trend: $567 vs $471 – making Andover, MA the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Andover, MA

🕒 Local time

14:38 2:38 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

33,475

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.888 EUR

Exchange rates and currency converter

On the map

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Between locations

New York, NY Andover, MA 340 km

From you

New York, NY
Andover, MA

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 Andover, MA: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 76%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $7,358 per month in New York, NY and $4,180 in Andover, MA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Andover, MA, especially for central apartments: a one-bedroom in the center costs $1,586 there versus $4,555 in New York, NY.

Kindergarten costs $3,606 per month in New York, NY and $818 in Andover, MA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 20% more in New York, NY, though the gap depends on what you buy.

$2,500 is a stretch for both – monthly costs hit $4,906 in New York, NY and $2,787 in Andover, MA. You’ll need shared housing and careful budgeting no matter which city you pick.

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

For expats, Andover, MA is the easier option financially – housing and daily costs are lower, and overall it costs about 43% less, which matters a lot on a fixed budget or early-career salary.