Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Cajamarca

For one person, living is cheaper in Cajamarca: $695 a month against $5,142 in New York, NY, rent and utilities included – about $53,400 less a year. Rent and utilities account for most of the difference.

245

Cost of Living Index in New York, NY
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New York, NY Living Index
33

Cost of Living Index in Cajamarca
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Cajamarca Living Index

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New York, NY

🇺🇸 United States

$5,142

/mo nomad

Cajamarca

🇵🇪 Peru

$695

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $5,142 in New York, NY versus $695 in Cajamarca.

New York, NY $5,142
Cajamarca $695

Estimated couple costs with rent: $7,455 in New York, NY versus $1,177 in Cajamarca.

New York, NY $7,455
Cajamarca $1,177

Monthly costs for a family of three with rent: $9,767 in New York, NY versus $1,658 in Cajamarca.

New York, NY $9,767
Cajamarca $1,658

Living in New York, NY is roughly 640% more expensive than in Cajamarca, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: New York, NY is 284% above, Cajamarca is 48% below.

Meal at Budget Restaurant

$26.46 $26.46

$3.57 PEN 12.25

641.18%

Three-Course Dinner for Two, Mid-Range

$119 $119

$28.96 PEN 99.3

309.98%

Fast Food Meal (McDonalds, etc)

$14.43 $14.43

$5.95 PEN 20.39

142.52%

Cappuccino

$6.55 $6.55

$2.64 PEN 9.05

148.11%

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

$3.84 $3.84

$0.79 PEN 2.71

386.08%

Water (0.33 liter bottle)

$3.00 $3.00

$0.62 PEN 2.11

383.87%

Local Beer (0.5 liter draught)

$8.27 $8.27

$2.30 PEN 7.89

259.57%

Imported Beer (0.33 liter bottle)

$10.05 $10.05

$3.64 PEN 12.46

176.10%

Milk (1 liter)

$1.31 $1.31

$1.38 PEN 4.75

-5.07%

White Bread (500g)

$4.90 $4.90

$3.27 PEN 11.21

49.85%

Rice (white) (1kg)

$7.16 $7.16

$1.29 PEN 4.42

455.04%

Eggs

$5.92 $5.92

$2.28 PEN 7.82

159.65%

Local Cheese (1kg)

$19.06 $19.06

$7.58 PEN 26.00

151.45%

Chicken Fillets (1kg)

$17.38 $17.38

$6.28 PEN 21.52

176.75%

Beef Round Steak (1kg)

$18.94 $18.94

$13.12 PEN 44.97

44.36%

Apples (1kg)

$6.96 $6.96

$1.06 PEN 3.65

556.60%

Banana (1kg)

$2.08 $2.08

$0.78 PEN 2.68

166.67%

Oranges (1kg)

$6.10 $6.10

$1.23 PEN 4.20

395.93%

Tomato (1kg)

$6.95 $6.95

$1.08 PEN 3.70

543.52%

Potato (1kg)

$3.98 $3.98

$0.74 PEN 2.52

437.84%

Onion (1kg)

$4.44 $4.44

$1.00 PEN 3.41

344.00%

Lettuce (1 head)

$2.81 $2.81

$0.72 PEN 2.48

290.28%

Water (1.5 liter bottle)

$2.51 $2.51

$0.75 PEN 2.56

234.67%

Cigarettes 20 Pack (Marlboro, Camel)

$19.27 $19.27

$8.98 PEN 30.79

114.59%

Wine (Bottle)

$19.67 $19.67

$10.19 PEN 34.93

93.03%

Local Beer (0.5 liter bottle)

$3.08 $3.08

$2.59 PEN 8.89

18.92%

Imported Beer (0.33 liter bottle)

$3.68 $3.68

$2.45 PEN 8.41

50.20%

One-way Ticket (Public Transport)

$3.02 $3.02

$0.56 PEN 1.93

439.29%

Public Transport Monthly Pass (Regular Price)

$140 $140

$8.93 PEN 30.62

1462.37%

Taxi Start (Normal Tariff)

$3.07 $3.07

$1.76 PEN 6.03

74.43%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$1.33 PEN 4.55

60.15%

Taxi 1hour Waiting (Normal Tariff)

$41.21 $41.21

$5.05 PEN 17.31

716.04%

Gasoline (1 liter)

$1.11 $1.11

$1.51 PEN 5.19

-26.49%

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

$35.0K $35.0K

$23.7K PEN 81.3K

47.47%

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

$25.4K $25.4K

$25.9K PEN 88.6K

-1.78%

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

$217 $217

$49.76 PEN 171

337.08%

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

$74.0 $74.0

$9.79 PEN 33.57

656.08%

Internet (50+ Mbps, Unlimited Data)

$72.5 $72.5

$29.01 PEN 99.5

149.84%

Gym Membership (Monthly)

$120 $120

$30.97 PEN 106

288.92%

Tennis Court (1 Hour on Weekend)

$66.9 $66.9

$20.52 PEN 70.3

225.97%

Cinema Ticket

$22.32 $22.32

$4.76 PEN 16.32

368.91%

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

$3,425 $3,425

$137 PEN 471

2394.20%

International Primary School, 1 Child (Yearly)

$61.2K $61.2K

$4,463 PEN 15.3K

1270.58%

Jeans (Levis 501 Or Similar)

$76.3 $76.3

$51.7 PEN 177

47.47%

Summer Dress (H&M, Zara, etc)

$55.5 $55.5

$29.33 PEN 101

89.06%

Sport Shoes (Adidas, Nike)

$119 $119

$80.8 PEN 277

47.58%

Men's Leather Business Shoes

$131 $131

$80.9 PEN 277

61.35%

1-bedroom Apartment, City Center (Monthly)

$4,506 $4,506

$199 PEN 681

2169.85%

1-bedroom Apartment, Outside City Center (Monthly)

$3,155 $3,155

$103 PEN 353

2964.72%

3-bedroom Apartment, City Center (Monthly)

$8,817 $8,817

$527 PEN 1,806

1573.83%

3-bedroom Apartment, Outside City Center (Monthly)

$5,532 $5,532

$317 PEN 1,085

1647.26%

Buy Apartment in City Center (m2)

$19.4K $19.4K

$2,338 PEN 8,015

729.07%

Buy Apartment Outside City Center (m2)

$6,754 $6,754

Average Monthly Net Salary (After Tax)

$5,290 $5,290

$727 PEN 2,491

627.92%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

10.5

-35.05%

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

Last update for New York, NY: October 3, 2026

Last update for Cajamarca: October 5, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.2K 63.2%

Cajamarca

$103 14.9% 96.7% $3.1K

Groceries & Markets

New York, NY

$546 11%

Cajamarca

$229 33.1% 58.1% $317

Eating Out

New York, NY

$422 8.5%

Cajamarca

$103 14.8% 75.7% $320

Monthly Utilities & Internet

New York, NY

$364 7.3%

Cajamarca

$89 12.8% 75.7% $275

Clothing & Footwear

New York, NY

$172 3.4%

Cajamarca

$109 15.8% 36.4% $62

Getting Around

New York, NY

$165 3.3%

Cajamarca

$20 2.8% 88.2% $146

Sport & Entertainment

New York, NY

$165 3.3%

Cajamarca

$40 5.9% 75.5% $125

Cost Breakdown

A one-bedroom apartment in the center runs $4,506 in New York, NY and $199 in Cajamarca. Housing cost is often the main lever when comparing two cities.

New York, NY pays 628% 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: $119 in New York, NY vs $29.00 in Cajamarca for a mid-range dinner for two. Groceries echo the gap at $546 vs $229 per month, with Cajamarca cheaper across the board.

Good to know

🇺🇸 New York, NY

🇵🇪 Cajamarca

🕒 Local time

06:43 6:43 AM

05:43 5:43 AM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

218,741

💱 Currency

United States Dollar USD $

Peruvian Sol PEN S/

📈 Exchange rate

1 USD = 0.892 EUR

1 PEN = 0.292 USD

1 PEN = 0.26 EUR

Exchange rates and currency converter

PEN, EUR to USD – United States Dollar Converter

🇵🇪 Peruvian Sol (S/)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Peruvian Sol exchange rates as of October 10, 2026: 1 USD = 3.43 PEN (1 PEN = 0.292 USD). 1 EUR = 3.84 PEN (1 PEN = 0.26 EUR).

PEN to USD in detail →

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Between locations

New York, NY Cajamarca 5,330 km ≈ 7 h nonstop flight

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New York, NY
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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 Cajamarca: Cost of Living - Frequently Asked Questions

Cajamarca is cheaper overall, especially in groceries, eating out, and clothing. The 640% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 628% 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: $4,506 in New York, NY versus $199 in Cajamarca. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Cajamarca runs roughly 1462% less than in New York, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $3,425 in New York, NY versus $137 in Cajamarca. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $695 in Cajamarca versus $5,142 in New York, NY, a $1,500 budget is realistic in Cajamarca but tight or insufficient in New York, NY. The gap between the two cities makes Cajamarca the clear choice for anyone on this budget.

For families, Cajamarca is more practical. Housing and childcare are both notably cheaper than in New York, NY, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, New York, NY and Cajamarca 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 Cajamarca gentler on the wallet – expenses run 640% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.