Cost of Living Comparison Between New York, NY and Cumberland, RI Cost of Living Comparison Between New York, NY and Cumberland, RI

Monthly Cost of Living

Monthly costs for one person with rent: $4,438 in New York, NY versus $2,631 in Cumberland, RI.

Estimated couple costs with rent: $7,016 in New York, NY versus $3,887 in Cumberland, RI.

Monthly costs for a family of three with rent: $9,593 in New York, NY versus $5,143 in Cumberland, RI.

Living in New York, NY is roughly 69% more expensive than Cumberland, RI, driven mainly by Getting Around.

Both cities are pricier than the global median: New York, NY 231% above, Cumberland, RI 96% above.

Meal at Budget Restaurant

$29.91 $29.91

$19.31 $19.31

54.89%

Three-Course Dinner for Two, Mid-Range

$144 $144

$101 $101

42.88%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$11.19 $11.19

10.10%

Cappuccino

$6.03 $6.03

$4.55 $4.55

32.53%

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

$3.39 $3.39

$2.72 $2.72

24.63%

Water (0.33 liter bottle)

$2.56 $2.56

$2.16 $2.16

18.52%

Local Beer (0.5 liter draught)

$8.20 $8.20

$6.17 $6.17

32.90%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$7.43 $7.43

60.83%

Milk (1 liter)

$1.54 $1.54

$1.31 $1.31

17.56%

White Bread (500g)

$5.15 $5.15

$3.42 $3.42

50.58%

Rice (white) (1kg)

$8.43 $8.43

$3.04 $3.04

177.30%

Eggs

$6.97 $6.97

$4.62 $4.62

50.87%

Local Cheese (1kg)

$17.28 $17.28

$14.29 $14.29

20.92%

Chicken Fillets (1kg)

$16.24 $16.24

$9.45 $9.45

71.85%

Beef Round Steak (1kg)

$19.95 $19.95

$20.84 $20.84

-4.27%

Apples (1kg)

$7.45 $7.45

$5.74 $5.74

29.79%

Banana (1kg)

$2.42 $2.42

$2.13 $2.13

13.62%

Oranges (1kg)

$5.87 $5.87

$5.96 $5.96

-1.51%

Tomato (1kg)

$6.31 $6.31

$5.79 $5.79

8.98%

Potato (1kg)

$3.72 $3.72

$4.51 $4.51

-17.52%

Onion (1kg)

$3.99 $3.99

$3.78 $3.78

5.56%

Lettuce (1 head)

$3.19 $3.19

$2.81 $2.81

13.52%

Water (1.5 liter bottle)

$2.55 $2.55

$2.21 $2.21

15.38%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$11.17 $11.17

70.90%

Wine (Bottle)

$20.24 $20.24

$15.05 $15.05

34.49%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$2.06 $2.06

45.15%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$2.04 $2.04

89.71%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.04 $2.04

44.61%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$5.13 $5.13

$2.62 $2.62

95.80%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.79 $1.79

22.91%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$28.26 $28.26

50.88%

Gasoline (1 liter)

$0.95 $0.95

$0.84 $0.84

13.10%

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

$34.5K $34.5K

$29.5K $29.5K

16.87%

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

$28.2K $28.2K

$25.0K $25.0K

12.89%

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

$182 $182

$250 $250

-27.14%

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

$60.1 $60.1

$57.5 $57.5

4.43%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$66.2 $66.2

-6.44%

Gym Membership (Monthly)

$140 $140

$43.51 $43.51

221.81%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$14.56 $14.56

39.63%

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

$3,222 $3,222

$1,510 $1,510

113.34%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$24.8K $24.8K

126.61%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$53.2 $53.2

23.95%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$32.63 $32.63

44.65%

Sport Shoes (Adidas, Nike)

$111 $111

$65.8 $65.8

68.89%

Men's Leather Business Shoes

$173 $173

$81.7 $81.7

111.94%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$1,629 $1,629

158.30%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,380 $1,380

91.87%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$2,662 $2,662

216.09%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$2,196 $2,196

135.44%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,720 $2,720

638.77%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,649 $2,649

230.05%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

$5,482 $5,482

-6.17%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.43

0.16%

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

Last update for New York, NY: April 20, 2026

Last update for Cumberland, RI: April 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,208 in New York, NY and $1,629 in Cumberland, RI. Housing cost is often the main lever when comparing two cities.

Cumberland, RI pays 7% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $144 in New York, NY vs $101 in Cumberland, RI for a mid-range dinner for two. Groceries echo the gap at $554 vs $428 per month, with Cumberland, RI 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 Cumberland, RI: Cost of Living - Frequently Asked Questions

New York, NY and Cumberland, RI differ by about 69% in total monthly costs ($4,438 vs $2,631 including rent). Cumberland, RI is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Cumberland, RI earns 7% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $4,208 in New York, NY versus $1,629 in Cumberland, RI. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 29% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $4,438 per month in New York, NY versus $2,631 in Cumberland, RI – a 69% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Cumberland, RI 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 Cumberland, RI gentler on the wallet – expenses run 69% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.