Last update: Nov 2026

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

For one person, living is cheaper in Concord, CA: $2,891 a month against $4,906 in New York, NY, rent and utilities included – about $24,200 less a year. Rent and utilities account for most of the difference.

234

Cost of Living Index in New York, NY
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New York, NY Living Index
139

Cost of Living Index in Concord, CA
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Concord, CA Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Concord, CA

🇺🇸 United States

$2,891

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $4,906 in New York, NY versus $2,891 in Concord, CA.

New York, NY $4,906
Concord, CA $2,891

Estimated couple costs with rent: $7,273 in New York, NY versus $4,258 in Concord, CA.

New York, NY $7,273
Concord, CA $4,258

Monthly costs for a family of three with rent: $9,641 in New York, NY versus $5,625 in Concord, CA.

New York, NY $9,641
Concord, CA $5,625

Living in New York, NY is roughly 70% more expensive than in Concord, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: New York, NY 263% above, Concord, CA 114% above.

Meal at Budget Restaurant

$26.93 $26.93

$25.39 $25.39

6.07%

Three-Course Dinner for Two, Mid-Range

$117 $117

$78.8 $78.8

48.30%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$14.79 $14.79

-1.28%

Cappuccino

$6.54 $6.54

$5.84 $5.84

11.99%

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

$3.86 $3.86

$3.15 $3.15

22.54%

Water (0.33 liter bottle)

$2.95 $2.95

$2.58 $2.58

14.34%

Local Beer (0.5 liter draught)

$8.08 $8.08

$8.90 $8.90

-9.21%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.86 $7.86

25.32%

Milk (1 liter)

$1.31 $1.31

White Bread (500g)

$4.97 $4.97

$4.38 $4.38

13.47%

Rice (white) (1kg)

$7.70 $7.70

$4.88 $4.88

57.79%

Eggs

$6.09 $6.09

$5.28 $5.28

15.34%

Local Cheese (1kg)

$19.55 $19.55

$24.70 $24.70

-20.85%

Chicken Fillets (1kg)

$17.59 $17.59

$11.79 $11.79

49.19%

Beef Round Steak (1kg)

$20.26 $20.26

$13.25 $13.25

52.91%

Apples (1kg)

$6.99 $6.99

$5.48 $5.48

27.55%

Banana (1kg)

$2.21 $2.21

$2.48 $2.48

-10.89%

Oranges (1kg)

$6.72 $6.72

$4.75 $4.75

41.47%

Tomato (1kg)

$7.12 $7.12

$5.73 $5.73

24.26%

Potato (1kg)

$4.61 $4.61

$3.33 $3.33

38.44%

Onion (1kg)

$4.78 $4.78

$3.82 $3.82

25.13%

Lettuce (1 head)

$2.87 $2.87

$2.43 $2.43

18.11%

Water (1.5 liter bottle)

$2.69 $2.69

$2.64 $2.64

1.89%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$11.64 $11.64

64.43%

Wine (Bottle)

$19.63 $19.63

$13.17 $13.17

49.05%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.00 $2.00

66.00%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.46 $2.46

70.33%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.45 $2.45

23.27%

Public Transport Monthly Pass (Regular Price)

$139 $139

$60.5 $60.5

130.34%

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.54 $3.54

-14.12%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.22 $2.22

-0.90%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$35.29 $35.29

17.12%

Gasoline (1 liter)

$1.13 $1.13

$1.53 $1.53

-26.14%

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

$34.5K $34.5K

$27.5K $27.5K

25.43%

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

$25.8K $25.8K

$26.8K $26.8K

-3.67%

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

$232 $232

$137 $137

69.18%

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

$71.0 $71.0

$42.79 $42.79

66.00%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$63.9 $63.9

5.92%

Gym Membership (Monthly)

$115 $115

$57.7 $57.7

100.02%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$11.36 $11.36

97.27%

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

$3,606 $3,606

$2,196 $2,196

64.15%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$19.6K $19.6K

249.91%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$52.4 $52.4

51.36%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$40.36 $40.36

27.35%

Sport Shoes (Adidas, Nike)

$121 $121

$75.1 $75.1

61.34%

Men's Leather Business Shoes

$140 $140

$59.7 $59.7

135.42%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$2,220 $2,220

105.17%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,518 $1,518

100.29%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$4,428 $4,428

120.01%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,512 $2,512

112.20%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$4,191 $4,191

334.84%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$4,198 $4,198

59.24%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$5,027 $5,027

1.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.66

3.45%

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

Last update for New York, NY: November 1, 2026

Last update for Concord, CA: November 3, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Concord, CA

$1.5K 52.5% 50.1% $1.5K

Groceries & Markets

New York, NY

$567 11.6%

Concord, CA

$461 15.9% 18.8% $107

Eating Out

New York, NY

$425 8.7%

Concord, CA

$401 13.9% 5.7% $24

Monthly Utilities & Internet

New York, NY

$371 7.6%

Concord, CA

$244 8.4% 34.2% $127

Clothing & Footwear

New York, NY

$176 3.6%

Concord, CA

$102 3.5% 42% $74

Getting Around

New York, NY

$165 3.4%

Concord, CA

$85 2.9% 48.6% $80

Sport & Entertainment

New York, NY

$160 3.3%

Concord, CA

$80 2.8% 49.8% $80

Cost Breakdown

A one-bedroom apartment in the center runs $4,555 in New York, NY and $2,220 in Concord, CA. Housing cost is often the main lever when comparing two cities.

Dining out: $117 in New York, NY vs $79 in Concord, CA for a mid-range dinner for two. Groceries echo the gap at $567 vs $461 per month, with Concord, CA cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 Concord, CA

🕒 Local time

13:43 1:43 PM

10:43 10:43 AM

3 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

42,695

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.892 EUR

Exchange rates and currency converter

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Between locations

New York, NY Concord, CA 4,080 km ≈ 6 h nonstop flight

From you

New York, NY
Concord, CA

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 Concord, CA: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $4,906 in New York, NY and $2,891 in Concord, CA, so Concord, CA is about 41% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $7,358 in New York, NY and $4,336 in Concord, CA 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: $4,555 in New York, NY versus $2,220 in Concord, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Concord, CA – a meal for two runs $79 versus $117 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $4,906 per month in New York, NY versus $2,891 in Concord, CA – Concord, CA is about 41% cheaper, which adds up to real savings over time.

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 Concord, CA gentler on the wallet – expenses run 41% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.