Cost of Living Comparison Between New York, NY and Annapolis, MD Cost of Living Comparison Between New York, NY and Annapolis, MD

Monthly Cost of Living

Monthly costs for one person with rent: $4,841 in New York, NY versus $3,391 in Annapolis, MD.

Estimated couple costs with rent: $7,287 in New York, NY versus $4,788 in Annapolis, MD.

Monthly costs for a family of three with rent: $9,734 in New York, NY versus $6,184 in Annapolis, MD.

Living in New York, NY is roughly 43% more expensive than in Annapolis, MD, driven mainly by Sport & Entertainment.

Both cities are pricier than the global median: New York, NY 254% above, Annapolis, MD 148% above.

Meal at Budget Restaurant

$25.33 $25.33

$30.56 $30.56

-17.11%

Three-Course Dinner for Two, Mid-Range

$142 $142

$80.5 $80.5

76.69%

Fast Food Meal (McDonalds, etc)

$13.78 $13.78

$9.95 $9.95

38.49%

Cappuccino

$6.19 $6.19

$5.75 $5.75

7.65%

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

$3.69 $3.69

$2.68 $2.68

37.69%

Water (0.33 liter bottle)

$2.96 $2.96

$1.99 $1.99

48.74%

Local Beer (0.5 liter draught)

$7.76 $7.76

$6.84 $6.84

13.45%

Imported Beer (0.33 liter bottle)

$10.14 $10.14

$8.96 $8.96

13.17%

Milk (1 liter)

$1.39 $1.39

$1.09 $1.09

27.52%

White Bread (500g)

$4.59 $4.59

$3.35 $3.35

37.01%

Rice (white) (1kg)

$6.94 $6.94

$5.49 $5.49

26.41%

Eggs

$5.79 $5.79

$6.41 $6.41

-9.67%

Local Cheese (1kg)

$17.32 $17.32

$10.58 $10.58

63.71%

Chicken Fillets (1kg)

$15.04 $15.04

$10.40 $10.40

44.62%

Beef Round Steak (1kg)

$18.02 $18.02

$14.90 $14.90

20.94%

Apples (1kg)

$6.29 $6.29

$6.01 $6.01

4.66%

Banana (1kg)

$2.13 $2.13

$2.14 $2.14

-0.47%

Oranges (1kg)

$5.80 $5.80

$6.83 $6.83

-15.08%

Tomato (1kg)

$6.28 $6.28

$7.51 $7.51

-16.38%

Potato (1kg)

$3.39 $3.39

$7.76 $7.76

-56.31%

Onion (1kg)

$4.27 $4.27

$4.59 $4.59

-6.97%

Lettuce (1 head)

$2.77 $2.77

$3.34 $3.34

-17.07%

Water (1.5 liter bottle)

$2.56 $2.56

$2.20 $2.20

16.36%

Cigarettes 20 Pack (Marlboro, Camel)

$18.70 $18.70

$9.02 $9.02

107.32%

Wine (Bottle)

$20.30 $20.30

$15.06 $15.06

34.79%

Local Beer (0.5 liter bottle)

$3.15 $3.15

$1.72 $1.72

83.14%

Imported Beer (0.33 liter bottle)

$4.03 $4.03

$3.69 $3.69

9.21%

One-way Ticket (Public Transport)

$2.97 $2.97

$4.04 $4.04

-26.49%

Public Transport Monthly Pass (Regular Price)

$138 $138

$140 $140

-1.49%

Taxi Start (Normal Tariff)

$3.09 $3.09

$3.29 $3.29

-6.08%

Taxi (Normal Tariff) (1km)

$2.14 $2.14

$1.59 $1.59

34.59%

Taxi 1hour Waiting (Normal Tariff)

$41.56 $41.56

$30.24 $30.24

37.43%

Gasoline (1 liter)

$1.13 $1.13

$0.95 $0.95

18.95%

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

$35.4K $35.4K

$32.6K $32.6K

8.79%

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

$25.6K $25.6K

$25.3K $25.3K

1.28%

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

$236 $236

$207 $207

14.05%

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

$73.7 $73.7

$52.5 $52.5

40.57%

Internet (50+ Mbps, Unlimited Data)

$72.4 $72.4

$96.4 $96.4

-24.88%

Gym Membership (Monthly)

$125 $125

$66.9 $66.9

87.13%

Tennis Court (1 Hour on Weekend)

$63.1 $63.1

Cinema Ticket

$23.37 $23.37

$13.74 $13.74

70.09%

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

$3,353 $3,353

$1,657 $1,657

102.37%

International Primary School, 1 Child (Yearly)

$61.0K $61.0K

$19.3K $19.3K

216.32%

Jeans (Levis 501 Or Similar)

$72.4 $72.4

$47.51 $47.51

52.45%

Summer Dress (H&M, Zara, etc)

$52.2 $52.2

$20.26 $20.26

157.45%

Sport Shoes (Adidas, Nike)

$116 $116

$90.2 $90.2

29.16%

Men's Leather Business Shoes

$124 $124

$120 $120

2.72%

1-bedroom Apartment, City Center (Monthly)

$4,438 $4,438

$2,076 $2,076

113.75%

1-bedroom Apartment, Outside City Center (Monthly)

$3,045 $3,045

$1,814 $1,814

67.86%

3-bedroom Apartment, City Center (Monthly)

$9,088 $9,088

$3,871 $3,871

134.73%

3-bedroom Apartment, Outside City Center (Monthly)

$5,404 $5,404

$2,837 $2,837

90.46%

Buy Apartment in City Center (m2)

$18.8K $18.8K

Buy Apartment Outside City Center (m2)

$6,500 $6,500

Average Monthly Net Salary (After Tax)

$5,258 $5,258

$5,491 $5,491

-4.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.49

6.05

7.27%

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

Last update for New York, NY: September 12, 2026

Last update for Annapolis, MD: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,438 in New York, NY and $2,076 in Annapolis, MD. Housing cost is often the main lever when comparing two cities.

Annapolis, MD pays 4% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $142 in New York, NY vs $81.0 in Annapolis, MD for a mid-range dinner for two. Groceries echo the gap at $516 vs $446 per month, with Annapolis, MD 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

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

Annapolis, MD wins on cost – living expenses run 43% lower than in New York, NY. Housing and daily spending are where you'll feel the difference most, making Annapolis, MD the obvious pick if budget is a priority.

On paper, salaries run 4% lower in Annapolis, MD. 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: $4,438 in New York, NY versus $2,076 in Annapolis, MD. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $4,841 per month in New York, NY versus $3,391 in Annapolis, MD – a 43% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Annapolis, MD runs roughly 2% less than in New York, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Annapolis, MD is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Annapolis, MD delivers better value – similar infrastructure at $3,391 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Annapolis, MD hard to pass up.

Expats usually find Annapolis, MD gentler on the wallet – expenses run 43% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.