Cost of Living Comparison Between New York, NY and Bemidji, MN Cost of Living Comparison Between New York, NY and Bemidji, MN

Monthly Cost of Living

A single person spends $4,438 per month in New York, NY vs $2,494 in Bemidji, MN, rent included.

A couple spends around $7,016 per month in New York, NY vs $3,655 in Bemidji, MN, rent included.

A family of three spends $9,593 per month in New York, NY vs $4,815 in Bemidji, MN, rent included.

New York, NY costs about 78% more than Bemidji, MN, driven mainly by Groceries & Markets.

Both New York, NY and Bemidji, MN sit above the global median – New York, NY by 231%, Bemidji, MN by 86%.

Meal at Budget Restaurant

$29.91 $29.91

$15.30 $15.30

95.49%

Three-Course Dinner for Two, Mid-Range

$144 $144

$65.7 $65.7

118.98%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$10.98 $10.98

12.20%

Cappuccino

$6.03 $6.03

$5.13 $5.13

17.54%

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

$3.39 $3.39

$2.48 $2.48

36.69%

Water (0.33 liter bottle)

$2.56 $2.56

$2.01 $2.01

27.36%

Local Beer (0.5 liter draught)

$8.20 $8.20

$5.29 $5.29

55.01%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$6.61 $6.61

80.79%

Milk (1 liter)

$1.54 $1.54

$0.95 $0.95

62.11%

White Bread (500g)

$5.15 $5.15

$1.95 $1.95

164.10%

Rice (white) (1kg)

$8.43 $8.43

$4.29 $4.29

96.50%

Eggs

$6.97 $6.97

$4.16 $4.16

67.55%

Local Cheese (1kg)

$17.28 $17.28

$12.17 $12.17

41.99%

Chicken Fillets (1kg)

$16.24 $16.24

$11.71 $11.71

38.68%

Beef Round Steak (1kg)

$19.95 $19.95

$15.53 $15.53

28.46%

Apples (1kg)

$7.45 $7.45

$4.95 $4.95

50.51%

Banana (1kg)

$2.42 $2.42

$1.64 $1.64

47.56%

Oranges (1kg)

$5.87 $5.87

$4.14 $4.14

41.79%

Tomato (1kg)

$6.31 $6.31

$4.81 $4.81

31.19%

Potato (1kg)

$3.72 $3.72

$2.86 $2.86

30.07%

Onion (1kg)

$3.99 $3.99

$2.88 $2.88

38.54%

Lettuce (1 head)

$3.19 $3.19

$2.10 $2.10

51.90%

Water (1.5 liter bottle)

$2.55 $2.55

$2.09 $2.09

22.01%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$9.75 $9.75

95.79%

Wine (Bottle)

$20.24 $20.24

$15.08 $15.08

34.22%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$1.85 $1.85

61.62%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$3.43 $3.43

12.83%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.94 $1.94

52.06%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$5.13 $5.13

$3.40 $3.40

50.88%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.66 $1.66

32.53%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$28.62 $28.62

48.99%

Gasoline (1 liter)

$0.95 $0.95

$0.81 $0.81

17.28%

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

$34.5K $34.5K

$29.3K $29.3K

17.86%

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

$28.2K $28.2K

$25.9K $25.9K

8.77%

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

$182 $182

$188 $188

-3.08%

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

$60.1 $60.1

$52.0 $52.0

15.44%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$83.8 $83.8

-26.05%

Gym Membership (Monthly)

$140 $140

$43.24 $43.24

223.82%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$13.69 $13.69

48.50%

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

$3,222 $3,222

$1,311 $1,311

145.73%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$23.1K $23.1K

143.55%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$51.9 $51.9

27.08%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$39.65 $39.65

19.04%

Sport Shoes (Adidas, Nike)

$111 $111

$86.2 $86.2

28.83%

Men's Leather Business Shoes

$173 $173

$110 $110

57.60%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$1,572 $1,572

167.66%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,336 $1,336

98.17%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$1,448 $1,448

481.06%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$2,261 $2,261

128.61%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,706 $2,706

642.68%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,331 $2,331

275.11%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

$5,052 $5,052

1.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.51

-1.08%

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 Bemidji, MN: April 22, 2026

Cost Breakdown

A central one-bedroom costs $4,208 in New York, NY versus $1,572 in Bemidji, MN. 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 2% 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 $66 in Bemidji, MN. Monthly groceries follow the same trend: $554 vs $374 – making Bemidji, MN 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 Bemidji, MN: Cost of Living - Frequently Asked Questions

New York, NY costs about 78% more than Bemidji, MN, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $6,657 per month in New York, NY and $3,741 in Bemidji, MN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Bemidji, MN, 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 $66.0 in Bemidji, MN. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 48% 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.

$2,000 is a stretch for both – monthly costs hit $4,438 in New York, NY and $2,494 in Bemidji, MN. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Bemidji, MN costs $2,494 versus $4,438 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

If budget matters most, go with Bemidji, MN. 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.