Cost of Living Comparison Between New York, NY and Beloit, WI Cost of Living Comparison Between New York, NY and Beloit, WI

Monthly Cost of Living

A single person spends $4,438 per month in New York, NY vs $2,558 in Beloit, WI, rent included.

A couple spends around $7,016 per month in New York, NY vs $3,768 in Beloit, WI, rent included.

A family of three spends $9,593 per month in New York, NY vs $4,978 in Beloit, WI, rent included.

New York, NY costs about 74% more than Beloit, WI, driven mainly by Groceries & Markets.

Both New York, NY and Beloit, WI sit above the global median – New York, NY by 231%, Beloit, WI by 91%.

Meal at Budget Restaurant

$29.91 $29.91

$20.56 $20.56

45.48%

Three-Course Dinner for Two, Mid-Range

$144 $144

$74.8 $74.8

92.31%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$9.67 $9.67

27.40%

Cappuccino

$6.03 $6.03

$3.53 $3.53

70.82%

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

$3.39 $3.39

$1.72 $1.72

97.09%

Water (0.33 liter bottle)

$2.56 $2.56

$1.90 $1.90

34.74%

Local Beer (0.5 liter draught)

$8.20 $8.20

$4.37 $4.37

87.64%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$7.72 $7.72

54.79%

Milk (1 liter)

$1.54 $1.54

$0.76 $0.76

102.63%

White Bread (500g)

$5.15 $5.15

$2.84 $2.84

81.34%

Rice (white) (1kg)

$8.43 $8.43

$3.34 $3.34

152.40%

Eggs

$6.97 $6.97

$4.50 $4.50

54.89%

Local Cheese (1kg)

$17.28 $17.28

$6.39 $6.39

170.42%

Chicken Fillets (1kg)

$16.24 $16.24

$14.37 $14.37

13.01%

Beef Round Steak (1kg)

$19.95 $19.95

$11.66 $11.66

71.10%

Apples (1kg)

$7.45 $7.45

$5.31 $5.31

40.30%

Banana (1kg)

$2.42 $2.42

$0.99 $0.99

144.44%

Oranges (1kg)

$5.87 $5.87

$4.25 $4.25

38.12%

Tomato (1kg)

$6.31 $6.31

$4.41 $4.41

43.08%

Potato (1kg)

$3.72 $3.72

$2.46 $2.46

51.22%

Onion (1kg)

$3.99 $3.99

$2.73 $2.73

46.15%

Lettuce (1 head)

$3.19 $3.19

$1.85 $1.85

72.43%

Water (1.5 liter bottle)

$2.55 $2.55

$1.57 $1.57

62.42%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$9.20 $9.20

107.50%

Wine (Bottle)

$20.24 $20.24

$14.93 $14.93

35.57%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$2.47 $2.47

21.05%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$3.55 $3.55

9.01%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.04 $2.04

44.61%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$5.13 $5.13

$3.22 $3.22

59.32%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.43 $1.43

53.85%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$25.15 $25.15

69.54%

Gasoline (1 liter)

$0.95 $0.95

$1.05 $1.05

-9.52%

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

$34.5K $34.5K

$31.8K $31.8K

8.48%

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

$28.2K $28.2K

$26.4K $26.4K

6.93%

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

$182 $182

$187 $187

-2.58%

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

$60.1 $60.1

$62.3 $62.3

-3.60%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$66.3 $66.3

-6.56%

Gym Membership (Monthly)

$140 $140

$42.18 $42.18

231.96%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$11.76 $11.76

72.87%

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

$3,222 $3,222

$2,017 $2,017

59.75%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$39.3K $39.3K

43.07%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$63.0 $63.0

4.72%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$51.3 $51.3

-8.03%

Sport Shoes (Adidas, Nike)

$111 $111

$95.7 $95.7

16.02%

Men's Leather Business Shoes

$173 $173

$146 $146

18.36%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$1,600 $1,600

163.01%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,378 $1,378

92.17%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$2,582 $2,582

225.91%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$2,185 $2,185

136.63%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,661 $2,661

655.12%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,229 $2,229

292.21%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

$2,368 $2,368

117.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.6

-2.42%

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

Last update for New York, NY: April 20, 2026

Last update for Beloit, WI: April 19, 2026

Cost Breakdown

A central one-bedroom costs $4,208 in New York, NY versus $1,600 in Beloit, WI. 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 117% 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 $144 in New York, NY versus $75 in Beloit, WI. Monthly groceries follow the same trend: $554 vs $353 – making Beloit, WI the more affordable choice for daily food spending.

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 Beloit, WI: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,438 in New York, NY, $2,558 in Beloit, WI – roughly 74% apart. New York, NY costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $6,657 per month in New York, NY and $3,836 in Beloit, WI. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Beloit, WI, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $144 in New York, NY and $75.0 in Beloit, WI. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 57% more in New York, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$3,000 is a stretch for both – monthly costs hit $4,438 in New York, NY and $2,558 in Beloit, WI. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $2,558 in Beloit, WI to $4,438 in New York, NY. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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