Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Caldwell, TX

For one person, living is cheaper in Caldwell, TX: $2,449 a month against $4,941 in New York, NY, rent and utilities included – about $29,900 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
117

Cost of Living Index in Caldwell, TX
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Caldwell, TX Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Caldwell, TX

🇺🇸 United States

$2,449

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $4,941 in New York, NY versus $2,449 in Caldwell, TX.

New York, NY $4,941
Caldwell, TX $2,449

Estimated couple costs with rent: $7,225 in New York, NY versus $3,548 in Caldwell, TX.

New York, NY $7,225
Caldwell, TX $3,548

Monthly costs for a family of three with rent: $9,509 in New York, NY versus $4,647 in Caldwell, TX.

New York, NY $9,509
Caldwell, TX $4,647

Living in New York, NY is roughly 102% more expensive than in Caldwell, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: New York, NY 263% above, Caldwell, TX 80% above.

Meal at Budget Restaurant

$28.55 $28.55

$14.88 $14.88

91.87%

Three-Course Dinner for Two, Mid-Range

$118 $118

$60.4 $60.4

96.11%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$9.88 $9.88

52.23%

Cappuccino

$6.53 $6.53

$3.97 $3.97

64.48%

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

$3.96 $3.96

$1.47 $1.47

169.39%

Water (0.33 liter bottle)

$3.01 $3.01

$1.73 $1.73

73.99%

Local Beer (0.5 liter draught)

$8.16 $8.16

$5.13 $5.13

59.06%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$6.05 $6.05

62.64%

Milk (1 liter)

$1.37 $1.37

$0.77 $0.77

77.92%

White Bread (500g)

$4.97 $4.97

$2.71 $2.71

83.39%

Rice (white) (1kg)

$7.81 $7.81

$3.96 $3.96

97.22%

Eggs

$5.97 $5.97

$2.92 $2.92

104.45%

Local Cheese (1kg)

$18.91 $18.91

$10.95 $10.95

72.69%

Chicken Fillets (1kg)

$18.04 $18.04

$15.64 $15.64

15.35%

Beef Round Steak (1kg)

$19.05 $19.05

$24.53 $24.53

-22.34%

Apples (1kg)

$6.76 $6.76

$4.39 $4.39

53.99%

Banana (1kg)

$2.27 $2.27

$1.77 $1.77

28.25%

Oranges (1kg)

$6.83 $6.83

$4.44 $4.44

53.83%

Tomato (1kg)

$7.09 $7.09

$2.66 $2.66

166.54%

Potato (1kg)

$4.22 $4.22

$2.16 $2.16

95.37%

Onion (1kg)

$4.65 $4.65

$1.73 $1.73

168.79%

Lettuce (1 head)

$2.87 $2.87

$2.05 $2.05

40.00%

Water (1.5 liter bottle)

$2.60 $2.60

$1.98 $1.98

31.31%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$9.61 $9.61

95.32%

Wine (Bottle)

$20.13 $20.13

$10.68 $10.68

88.48%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$1.68 $1.68

105.36%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$3.56 $3.56

12.92%

One-way Ticket (Public Transport)

$2.91 $2.91

$1.96 $1.96

48.47%

Public Transport Monthly Pass (Regular Price)

$139 $139

$51.0 $51.0

172.23%

Taxi Start (Normal Tariff)

$3.08 $3.08

$3.33 $3.33

-7.51%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.65 $1.65

28.48%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$26.34 $26.34

59.30%

Gasoline (1 liter)

$1.17 $1.17

$0.94 $0.94

24.47%

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

$34.5K $34.5K

$26.5K $26.5K

30.18%

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

$25.9K $25.9K

$25.4K $25.4K

1.67%

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

$219 $219

$173 $173

26.67%

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

$74.2 $74.2

$25.30 $25.30

193.44%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$68.5 $68.5

2.53%

Gym Membership (Monthly)

$112 $112

$40.60 $40.60

175.74%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

$9.85 $9.85

660.00%

Cinema Ticket

$22.14 $22.14

$14.96 $14.96

47.99%

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

$3,558 $3,558

$1,521 $1,521

133.88%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$24.7K $24.7K

152.12%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$22.35 $22.35

238.30%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$56.1 $56.1

-8.72%

Sport Shoes (Adidas, Nike)

$123 $123

$64.9 $64.9

89.74%

Men's Leather Business Shoes

$140 $140

$96.4 $96.4

45.05%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,565 $1,565

187.47%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$1,297 $1,297

137.42%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$2,531 $2,531

273.19%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$2,115 $2,115

145.39%

Buy Apartment in City Center (m2)

$18.1K $18.1K

$2,784 $2,784

550.38%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

$2,330 $2,330

187.23%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$1,333 $1,333

291.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.62

3.63%

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

Last update for New York, NY: October 26, 2026

Last update for Caldwell, TX: October 25, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 62.3%

Caldwell, TX

$1.3K 53% 57.9% $1.8K

Groceries & Markets

New York, NY

$563 11.4%

Caldwell, TX

$389 15.9% 30.8% $174

Eating Out

New York, NY

$440 8.9%

Caldwell, TX

$247 10.1% 43.9% $193

Monthly Utilities & Internet

New York, NY

$364 7.4%

Caldwell, TX

$267 10.9% 26.6% $97

Clothing & Footwear

New York, NY

$175 3.6%

Caldwell, TX

$108 4.4% 38.5% $68

Getting Around

New York, NY

$164 3.3%

Caldwell, TX

$70 2.9% 57.1% $94

Sport & Entertainment

New York, NY

$156 3.2%

Caldwell, TX

$71 2.9% 54.9% $86

Cost Breakdown

A one-bedroom apartment in the center runs $4,499 in New York, NY and $1,565 in Caldwell, TX. Housing cost is often the main lever when comparing two cities.

New York, NY pays about 3.9 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $118 in New York, NY vs $60 in Caldwell, TX for a mid-range dinner for two. Groceries echo the gap at $563 vs $389 per month, with Caldwell, TX cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 Caldwell, TX

🕒 Local time

08:02 8:02 AM

07:02 7:02 AM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

59,996

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

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Between locations

New York, NY Caldwell, TX 2,320 km ≈ 3 h 30 min nonstop flight

From you

New York, NY
Caldwell, TX

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 Caldwell, TX: Cost of Living - Frequently Asked Questions

Caldwell, TX wins on cost – living expenses run 50% lower than in New York, NY. Housing and daily spending are where you’ll feel the difference most, making Caldwell, TX the obvious pick if budget is a priority.

Average pay in New York, NY is about 3.9 times higher, 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: $4,499 in New York, NY versus $1,565 in Caldwell, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Caldwell, TX – a meal for two runs $60 versus $118 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $4,941 per month in New York, NY versus $2,449 in Caldwell, TX – a 102% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Caldwell, TX 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.

Expats usually find Caldwell, TX gentler on the wallet – expenses run 50% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.