Cost of Living Comparison Between New York, NY and Chico, CA Cost of Living Comparison Between New York, NY and Chico, CA

Monthly Cost of Living

Monthly costs for one person with rent: $4,415 in New York, NY versus $2,626 in Chico, CA.

Estimated couple costs with rent: $6,980 in New York, NY versus $3,963 in Chico, CA.

Monthly costs for a family of three with rent: $9,544 in New York, NY versus $5,299 in Chico, CA.

Living in New York, NY is roughly 68% more expensive than in Chico, CA, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: New York, NY 230% above, Chico, CA 97% above.

Meal at Budget Restaurant

$29.48 $29.48

$25.21 $25.21

16.94%

Three-Course Dinner for Two, Mid-Range

$143 $143

$60.9 $60.9

134.59%

Fast Food Meal (McDonalds, etc)

$12.41 $12.41

$13.20 $13.20

-5.98%

Cappuccino

$6.08 $6.08

$5.89 $5.89

3.23%

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

$3.33 $3.33

$2.49 $2.49

33.73%

Water (0.33 liter bottle)

$2.70 $2.70

$2.17 $2.17

24.42%

Local Beer (0.5 liter draught)

$8.17 $8.17

$7.16 $7.16

14.11%

Imported Beer (0.33 liter bottle)

$12.04 $12.04

$8.65 $8.65

39.19%

Milk (1 liter)

$1.62 $1.62

$1.34 $1.34

20.90%

White Bread (500g)

$5.08 $5.08

$3.70 $3.70

37.30%

Rice (white) (1kg)

$8.12 $8.12

$3.50 $3.50

132.00%

Eggs

$6.87 $6.87

$5.61 $5.61

22.46%

Local Cheese (1kg)

$17.61 $17.61

$13.33 $13.33

32.11%

Chicken Fillets (1kg)

$16.41 $16.41

$10.60 $10.60

54.81%

Beef Round Steak (1kg)

$19.81 $19.81

$16.75 $16.75

18.27%

Apples (1kg)

$7.66 $7.66

$5.53 $5.53

38.52%

Banana (1kg)

$2.53 $2.53

$2.23 $2.23

13.45%

Oranges (1kg)

$5.61 $5.61

$3.80 $3.80

47.63%

Tomato (1kg)

$6.40 $6.40

$5.58 $5.58

14.70%

Potato (1kg)

$3.84 $3.84

$4.61 $4.61

-16.70%

Onion (1kg)

$4.10 $4.10

$3.50 $3.50

17.14%

Lettuce (1 head)

$3.08 $3.08

$2.20 $2.20

40.00%

Water (1.5 liter bottle)

$2.49 $2.49

$2.29 $2.29

8.73%

Cigarettes 20 Pack (Marlboro, Camel)

$18.83 $18.83

$7.79 $7.79

141.72%

Wine (Bottle)

$19.67 $19.67

$11.84 $11.84

66.13%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$1.69 $1.69

76.92%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$5.43 $5.43

-30.94%

One-way Ticket (Public Transport)

$2.94 $2.94

$2.91 $2.91

1.03%

Public Transport Monthly Pass (Regular Price)

$133 $133

$34.53 $34.53

284.74%

Taxi Start (Normal Tariff)

$5.05 $5.05

$3.54 $3.54

42.66%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.04 $2.04

7.84%

Taxi 1hour Waiting (Normal Tariff)

$42.75 $42.75

$40.34 $40.34

5.97%

Gasoline (1 liter)

$0.97 $0.97

$1.27 $1.27

-23.62%

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

$35.0K $35.0K

$23.7K $23.7K

47.80%

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

$28.3K $28.3K

$24.4K $24.4K

15.96%

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

$182 $182

$192 $192

-5.34%

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

$60.3 $60.3

$53.2 $53.2

13.39%

Internet (50+ Mbps, Unlimited Data)

$63.5 $63.5

$70.5 $70.5

-9.93%

Gym Membership (Monthly)

$143 $143

$62.1 $62.1

129.82%

Tennis Court (1 Hour on Weekend)

$63.6 $63.6

Cinema Ticket

$19.89 $19.89

$13.74 $13.74

44.76%

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

$3,129 $3,129

$1,834 $1,834

70.62%

International Primary School, 1 Child (Yearly)

$58.2K $58.2K

$37.3K $37.3K

55.87%

Jeans (Levis 501 Or Similar)

$67.5 $67.5

$58.5 $58.5

15.43%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$31.30 $31.30

50.80%

Sport Shoes (Adidas, Nike)

$113 $113

$78.7 $78.7

43.00%

Men's Leather Business Shoes

$174 $174

$98.1 $98.1

77.41%

1-bedroom Apartment, City Center (Monthly)

$4,145 $4,145

$1,459 $1,459

184.08%

1-bedroom Apartment, Outside City Center (Monthly)

$2,693 $2,693

$1,192 $1,192

125.91%

3-bedroom Apartment, City Center (Monthly)

$8,255 $8,255

$2,755 $2,755

199.60%

3-bedroom Apartment, Outside City Center (Monthly)

$5,298 $5,298

$2,294 $2,294

130.96%

Buy Apartment in City Center (m2)

$18.5K $18.5K

$3,245 $3,245

471.21%

Buy Apartment Outside City Center (m2)

$6,505 $6,505

$2,971 $2,971

118.97%

Average Monthly Net Salary (After Tax)

$5,520 $5,520

$3,857 $3,857

43.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.55

-1.68%

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

Last update for New York, NY: July 13, 2026

Last update for Chico, CA: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,145 in New York, NY and $1,459 in Chico, CA. Housing cost is often the main lever when comparing two cities.

New York, NY pays 43% 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 $61.0 in Chico, CA for a mid-range dinner for two. Groceries echo the gap at $553 vs $414 per month, with Chico, CA 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 Chico, CA: Cost of Living - Frequently Asked Questions

Chico, CA is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment, Clothing & Footwear, Getting Around. The 68% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 43% 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: $4,145 in New York, NY versus $1,459 in Chico, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Chico, CA – a meal for two runs $61.0 versus $143 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $4,415 per month in New York, NY versus $2,626 in Chico, CA – a 68% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Chico, CA is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

For families, Chico, CA 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.

Expats usually find Chico, CA gentler on the wallet – expenses run 68% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.