Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Chesterfield, MO

For one person, living is cheaper in Chesterfield, MO: $2,474 a month against $4,938 in New York, NY, rent and utilities included – about $29,600 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
121

Cost of Living Index in Chesterfield, MO
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Chesterfield, MO Living Index

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New York, NY

🇺🇸 United States

$4,938

/mo nomad

Chesterfield, MO

🇺🇸 United States

$2,474

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $4,938 in New York, NY versus $2,474 in Chesterfield, MO.

New York, NY $4,938
Chesterfield, MO $2,474

Estimated couple costs with rent: $7,273 in New York, NY versus $3,442 in Chesterfield, MO.

New York, NY $7,273
Chesterfield, MO $3,442

Monthly costs for a family of three with rent: $9,608 in New York, NY versus $4,411 in Chesterfield, MO.

New York, NY $9,608
Chesterfield, MO $4,411

Living in New York, NY is roughly 100% more expensive than in Chesterfield, MO, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: New York, NY 264% above, Chesterfield, MO 83% above.

Meal at Budget Restaurant

$24.99 $24.99

$25.13 $25.13

-0.56%

Three-Course Dinner for Two, Mid-Range

$120 $120

$61.0 $61.0

97.20%

Fast Food Meal (McDonalds, etc)

$13.74 $13.74

$10.08 $10.08

36.31%

Cappuccino

$6.60 $6.60

$5.01 $5.01

31.74%

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

$3.82 $3.82

$2.21 $2.21

72.85%

Water (0.33 liter bottle)

$2.87 $2.87

$1.23 $1.23

133.33%

Local Beer (0.5 liter draught)

$7.95 $7.95

$4.46 $4.46

78.25%

Imported Beer (0.33 liter bottle)

$10.06 $10.06

$6.33 $6.33

58.93%

Milk (1 liter)

$1.37 $1.37

$1.04 $1.04

31.73%

White Bread (500g)

$4.75 $4.75

$2.99 $2.99

58.86%

Rice (white) (1kg)

$7.69 $7.69

$2.14 $2.14

259.35%

Eggs

$5.87 $5.87

$3.62 $3.62

62.15%

Local Cheese (1kg)

$19.25 $19.25

$11.39 $11.39

69.01%

Chicken Fillets (1kg)

$17.83 $17.83

$8.91 $8.91

100.11%

Beef Round Steak (1kg)

$19.03 $19.03

$12.93 $12.93

47.18%

Apples (1kg)

$6.69 $6.69

$4.28 $4.28

56.31%

Banana (1kg)

$2.29 $2.29

$1.13 $1.13

102.65%

Oranges (1kg)

$6.41 $6.41

$2.99 $2.99

114.38%

Tomato (1kg)

$6.75 $6.75

$4.27 $4.27

58.08%

Potato (1kg)

$3.93 $3.93

$1.64 $1.64

139.63%

Onion (1kg)

$4.52 $4.52

$2.44 $2.44

85.25%

Lettuce (1 head)

$2.79 $2.79

$1.83 $1.83

52.46%

Water (1.5 liter bottle)

$2.51 $2.51

$1.95 $1.95

28.72%

Cigarettes 20 Pack (Marlboro, Camel)

$18.10 $18.10

$7.88 $7.88

129.70%

Wine (Bottle)

$20.16 $20.16

$13.52 $13.52

49.11%

Local Beer (0.5 liter bottle)

$3.26 $3.26

$1.84 $1.84

77.17%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$4.46 $4.46

-15.92%

One-way Ticket (Public Transport)

$2.92 $2.92

$1.97 $1.97

48.22%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$3.06 $3.06

$3.05 $3.05

0.33%

Taxi (Normal Tariff) (1km)

$2.16 $2.16

$1.40 $1.40

54.29%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$36.08 $36.08

14.55%

Gasoline (1 liter)

$1.12 $1.12

$0.91 $0.91

23.08%

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

$33.1K $33.1K

$24.4K $24.4K

35.92%

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

$25.7K $25.7K

$22.7K $22.7K

13.17%

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

$219 $219

$254 $254

-13.60%

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

$75.3 $75.3

$58.2 $58.2

29.43%

Internet (50+ Mbps, Unlimited Data)

$70.5 $70.5

$72.1 $72.1

-2.23%

Gym Membership (Monthly)

$116 $116

$41.23 $41.23

180.14%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$21.37 $21.37

$12.20 $12.20

75.16%

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

$3,432 $3,432

$776 $776

342.39%

International Primary School, 1 Child (Yearly)

$61.7K $61.7K

$26.6K $26.6K

132.20%

Jeans (Levis 501 Or Similar)

$74.9 $74.9

$60.1 $60.1

24.70%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$30.46 $30.46

71.18%

Sport Shoes (Adidas, Nike)

$117 $117

$39.80 $39.80

193.19%

Men's Leather Business Shoes

$135 $135

$40.13 $40.13

235.51%

1-bedroom Apartment, City Center (Monthly)

$4,347 $4,347

$1,778 $1,778

144.50%

1-bedroom Apartment, Outside City Center (Monthly)

$3,117 $3,117

$1,262 $1,262

147.04%

3-bedroom Apartment, City Center (Monthly)

$9,110 $9,110

$3,161 $3,161

188.25%

3-bedroom Apartment, Outside City Center (Monthly)

$5,379 $5,379

$1,868 $1,868

187.91%

Buy Apartment in City Center (m2)

$19.3K $19.3K

$2,734 $2,734

605.34%

Buy Apartment Outside City Center (m2)

$6,943 $6,943

$2,341 $2,341

196.56%

Average Monthly Net Salary (After Tax)

$5,238 $5,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.85

6.36

7.70%

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

Last update for New York, NY: October 17, 2026

Last update for Chesterfield, MO: October 17, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 63.1%

Chesterfield, MO

$1.3K 51% 59.5% $1.9K

Groceries & Markets

New York, NY

$552 11.2%

Chesterfield, MO

$328 13.3% 40.6% $224

Eating Out

New York, NY

$407 8.2%

Chesterfield, MO

$340 13.8% 16.4% $67

Monthly Utilities & Internet

New York, NY

$365 7.4%

Chesterfield, MO

$384 15.5% 5.2% $19

Clothing & Footwear

New York, NY

$170 3.5%

Chesterfield, MO

$77 3.1% 54.9% $94

Getting Around

New York, NY

$168 3.4%

Chesterfield, MO

$18 * 0.7% 89.3% $150

Sport & Entertainment

New York, NY

$158 3.2%

Chesterfield, MO

$66 2.7% 58.5% $93

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $4,347 in New York, NY and $1,778 in Chesterfield, MO. Housing cost is often the main lever when comparing two cities.

Dining out: $120 in New York, NY vs $61.0 in Chesterfield, MO for a mid-range dinner for two. Groceries echo the gap at $552 vs $328 per month, with Chesterfield, MO cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 Chesterfield, MO

🕒 Local time

19:31 7:31 PM

18:31 6:31 PM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

49,999

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

New York, NY Chesterfield, MO 1,420 km ≈ 2 h 15 min nonstop flight

From you

New York, NY
Chesterfield, MO

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 Chesterfield, MO: Cost of Living - Frequently Asked Questions

New York, NY and Chesterfield, MO differ by about 100% in total monthly costs ($4,938 vs $2,474 including rent). Chesterfield, MO is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $7,407 in New York, NY and $3,711 in Chesterfield, MO to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $4,347 in New York, NY versus $1,778 in Chesterfield, MO. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 68% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $4,938 per month in New York, NY versus $2,474 in Chesterfield, MO – a 100% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Chesterfield, MO 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 Chesterfield, MO gentler on the wallet – expenses run 100% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.