Cost of Living Comparison Between New York, NY and Bismarck, ND Cost of Living Comparison Between New York, NY and Bismarck, ND

Monthly Cost of Living

Monthly costs for one person with rent: $4,459 in New York, NY versus $2,490 in Bismarck, ND.

Estimated couple costs with rent: $6,988 in New York, NY versus $3,421 in Bismarck, ND.

Monthly costs for a family of three with rent: $9,517 in New York, NY versus $4,352 in Bismarck, ND.

Living in New York, NY is roughly 79% more expensive than in Bismarck, ND, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: New York, NY 234% above, Bismarck, ND 86% above.

Meal at Budget Restaurant

$30.11 $30.11

$42.25 $42.25

-28.73%

Three-Course Dinner for Two, Mid-Range

$143 $143

$76.3 $76.3

87.11%

Fast Food Meal (McDonalds, etc)

$12.67 $12.67

$14.83 $14.83

-14.57%

Cappuccino

$6.07 $6.07

$5.04 $5.04

20.44%

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

$3.27 $3.27

$2.35 $2.35

39.15%

Water (0.33 liter bottle)

$2.60 $2.60

$1.75 $1.75

48.57%

Local Beer (0.5 liter draught)

$7.97 $7.97

$5.92 $5.92

34.63%

Imported Beer (0.33 liter bottle)

$12.18 $12.18

$7.05 $7.05

72.77%

Milk (1 liter)

$1.54 $1.54

$1.05 $1.05

46.67%

White Bread (500g)

$5.07 $5.07

$2.70 $2.70

87.78%

Rice (white) (1kg)

$8.39 $8.39

$4.43 $4.43

89.39%

Eggs

$7.11 $7.11

$4.18 $4.18

70.10%

Local Cheese (1kg)

$17.70 $17.70

$12.41 $12.41

42.63%

Chicken Fillets (1kg)

$16.71 $16.71

$14.27 $14.27

17.10%

Beef Round Steak (1kg)

$19.85 $19.85

$15.19 $15.19

30.68%

Apples (1kg)

$7.38 $7.38

$4.88 $4.88

51.23%

Banana (1kg)

$2.56 $2.56

$1.64 $1.64

56.10%

Oranges (1kg)

$5.84 $5.84

$4.32 $4.32

35.19%

Tomato (1kg)

$6.35 $6.35

$4.80 $4.80

32.29%

Potato (1kg)

$3.75 $3.75

$2.88 $2.88

30.21%

Onion (1kg)

$4.06 $4.06

$2.89 $2.89

40.48%

Lettuce (1 head)

$3.14 $3.14

$2.21 $2.21

42.08%

Water (1.5 liter bottle)

$2.48 $2.48

$2.18 $2.18

13.76%

Cigarettes 20 Pack (Marlboro, Camel)

$18.70 $18.70

$8.07 $8.07

131.72%

Wine (Bottle)

$19.79 $19.79

$19.81 $19.81

-0.10%

Local Beer (0.5 liter bottle)

$3.02 $3.02

$1.86 $1.86

62.37%

Imported Beer (0.33 liter bottle)

$3.74 $3.74

$3.41 $3.41

9.68%

One-way Ticket (Public Transport)

$2.85 $2.85

$2.04 $2.04

39.71%

Public Transport Monthly Pass (Regular Price)

$133 $133

Taxi Start (Normal Tariff)

$4.94 $4.94

$3.56 $3.56

38.76%

Taxi (Normal Tariff) (1km)

$2.23 $2.23

$1.65 $1.65

35.15%

Taxi 1hour Waiting (Normal Tariff)

$42.11 $42.11

$29.26 $29.26

43.92%

Gasoline (1 liter)

$0.97 $0.97

$0.87 $0.87

11.49%

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

$34.8K $34.8K

$30.0K $30.0K

16.12%

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

$27.7K $27.7K

$25.7K $25.7K

7.84%

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

$180 $180

$191 $191

-5.61%

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

$60.4 $60.4

$71.1 $71.1

-15.07%

Internet (50+ Mbps, Unlimited Data)

$62.6 $62.6

$93.1 $93.1

-32.84%

Gym Membership (Monthly)

$142 $142

$43.26 $43.26

227.79%

Tennis Court (1 Hour on Weekend)

$64.8 $64.8

Cinema Ticket

$19.98 $19.98

$13.42 $13.42

48.88%

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

$3,220 $3,220

$1,293 $1,293

149.03%

International Primary School, 1 Child (Yearly)

$57.0K $57.0K

$23.5K $23.5K

142.78%

Jeans (Levis 501 Or Similar)

$67.3 $67.3

$50.2 $50.2

34.28%

Summer Dress (H&M, Zara, etc)

$48.36 $48.36

$40.21 $40.21

20.27%

Sport Shoes (Adidas, Nike)

$113 $113

$67.7 $67.7

66.09%

Men's Leather Business Shoes

$171 $171

$113 $113

51.52%

1-bedroom Apartment, City Center (Monthly)

$4,136 $4,136

$1,221 $1,221

238.83%

1-bedroom Apartment, Outside City Center (Monthly)

$2,635 $2,635

$1,002 $1,002

162.91%

3-bedroom Apartment, City Center (Monthly)

$8,333 $8,333

$1,573 $1,573

429.91%

3-bedroom Apartment, Outside City Center (Monthly)

$5,118 $5,118

$1,159 $1,159

341.62%

Buy Apartment in City Center (m2)

$18.7K $18.7K

$2,070 $2,070

801.23%

Buy Apartment Outside City Center (m2)

$6,464 $6,464

$2,035 $2,035

217.70%

Average Monthly Net Salary (After Tax)

$5,420 $5,420

$4,612 $4,612

17.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

7.13

-9.68%

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

Last update for New York, NY: July 19, 2026

Last update for Bismarck, ND: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,136 in New York, NY and $1,221 in Bismarck, ND. 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: $143 in New York, NY vs $76.0 in Bismarck, ND for a mid-range dinner for two. Groceries echo the gap at $555 vs $407 per month, with Bismarck, ND 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 Bismarck, ND: Cost of Living - Frequently Asked Questions

New York, NY and Bismarck, ND differ by about 79% in total monthly costs ($4,459 vs $2,490 including rent). Bismarck, ND is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

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: $4,136 in New York, NY versus $1,221 in Bismarck, ND. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,220 in New York, NY versus $1,293 in Bismarck, ND. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Bismarck, ND – a meal for two runs $76.0 versus $143 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $3,000. Bismarck, ND 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.

Safety-wise, New York, NY and Bismarck, ND are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Bismarck, ND gentler on the wallet – expenses run 79% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.