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: $4,459 in New York, NY versus $2,611 in Cumberland, RI.

Estimated couple costs with rent: $6,988 in New York, NY versus $3,938 in Cumberland, RI.

Monthly costs for a family of three with rent: $9,517 in New York, NY versus $5,265 in Cumberland, RI.

Living in New York, NY is roughly 71% more expensive than in Cumberland, RI, driven mainly by Getting Around.

Both cities are pricier than the global median: New York, NY 234% above, Cumberland, RI 95% above.

Meal at Budget Restaurant

$30.11 $30.11

$18.80 $18.80

60.16%

Three-Course Dinner for Two, Mid-Range

$143 $143

$98.6 $98.6

44.70%

Fast Food Meal (McDonalds, etc)

$12.67 $12.67

$11.37 $11.37

11.43%

Cappuccino

$6.07 $6.07

$4.41 $4.41

37.64%

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

$3.27 $3.27

$2.80 $2.80

16.79%

Water (0.33 liter bottle)

$2.60 $2.60

$2.16 $2.16

20.37%

Local Beer (0.5 liter draught)

$7.97 $7.97

$5.99 $5.99

33.06%

Imported Beer (0.33 liter bottle)

$12.18 $12.18

$7.61 $7.61

60.05%

Milk (1 liter)

$1.54 $1.54

$1.27 $1.27

21.26%

White Bread (500g)

$5.07 $5.07

$3.38 $3.38

50.00%

Rice (white) (1kg)

$8.39 $8.39

$3.02 $3.02

177.81%

Eggs

$7.11 $7.11

$4.72 $4.72

50.64%

Local Cheese (1kg)

$17.70 $17.70

$14.23 $14.23

24.39%

Chicken Fillets (1kg)

$16.71 $16.71

$9.55 $9.55

74.97%

Beef Round Steak (1kg)

$19.85 $19.85

$20.90 $20.90

-5.02%

Apples (1kg)

$7.38 $7.38

$5.64 $5.64

30.85%

Banana (1kg)

$2.56 $2.56

$2.18 $2.18

17.43%

Oranges (1kg)

$5.84 $5.84

$5.75 $5.75

1.57%

Tomato (1kg)

$6.35 $6.35

$6.00 $6.00

5.83%

Potato (1kg)

$3.75 $3.75

$4.33 $4.33

-13.39%

Onion (1kg)

$4.06 $4.06

$3.68 $3.68

10.33%

Lettuce (1 head)

$3.14 $3.14

$2.78 $2.78

12.95%

Water (1.5 liter bottle)

$2.48 $2.48

$2.30 $2.30

7.83%

Cigarettes 20 Pack (Marlboro, Camel)

$18.70 $18.70

$10.89 $10.89

71.72%

Wine (Bottle)

$19.79 $19.79

$14.70 $14.70

34.63%

Local Beer (0.5 liter bottle)

$3.02 $3.02

$2.10 $2.10

43.81%

Imported Beer (0.33 liter bottle)

$3.74 $3.74

$2.06 $2.06

81.55%

One-way Ticket (Public Transport)

$2.85 $2.85

$1.97 $1.97

44.67%

Public Transport Monthly Pass (Regular Price)

$133 $133

Taxi Start (Normal Tariff)

$4.94 $4.94

$2.62 $2.62

88.55%

Taxi (Normal Tariff) (1km)

$2.23 $2.23

$1.78 $1.78

25.28%

Taxi 1hour Waiting (Normal Tariff)

$42.11 $42.11

$27.52 $27.52

53.02%

Gasoline (1 liter)

$0.97 $0.97

$0.86 $0.86

12.79%

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

$34.8K $34.8K

$29.4K $29.4K

18.25%

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

$27.7K $27.7K

$25.4K $25.4K

8.98%

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

$180 $180

$246 $246

-26.82%

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

$60.4 $60.4

$58.4 $58.4

3.27%

Internet (50+ Mbps, Unlimited Data)

$62.6 $62.6

$64.8 $64.8

-3.40%

Gym Membership (Monthly)

$142 $142

$43.18 $43.18

228.39%

Tennis Court (1 Hour on Weekend)

$64.8 $64.8

Cinema Ticket

$19.98 $19.98

$15.03 $15.03

32.93%

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

$3,220 $3,220

$1,475 $1,475

118.32%

International Primary School, 1 Child (Yearly)

$57.0K $57.0K

$25.3K $25.3K

125.08%

Jeans (Levis 501 Or Similar)

$67.3 $67.3

$51.8 $51.8

30.00%

Summer Dress (H&M, Zara, etc)

$48.36 $48.36

$33.02 $33.02

46.46%

Sport Shoes (Adidas, Nike)

$113 $113

$65.6 $65.6

71.51%

Men's Leather Business Shoes

$171 $171

$84.1 $84.1

102.70%

1-bedroom Apartment, City Center (Monthly)

$4,136 $4,136

$1,605 $1,605

157.67%

1-bedroom Apartment, Outside City Center (Monthly)

$2,635 $2,635

$1,377 $1,377

91.31%

3-bedroom Apartment, City Center (Monthly)

$8,333 $8,333

$2,605 $2,605

219.86%

3-bedroom Apartment, Outside City Center (Monthly)

$5,118 $5,118

$2,202 $2,202

132.45%

Buy Apartment in City Center (m2)

$18.7K $18.7K

$2,769 $2,769

573.64%

Buy Apartment Outside City Center (m2)

$6,464 $6,464

$2,356 $2,356

174.34%

Average Monthly Net Salary (After Tax)

$5,420 $5,420

$5,400 $5,400

0.37%

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: July 19, 2026

Last update for Cumberland, RI: July 19, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,136 in New York, NY and $1,605 in Cumberland, RI. Housing cost is often the main lever when comparing two cities.

New York, NY pays 0% 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 $99.0 in Cumberland, RI for a mid-range dinner for two. Groceries echo the gap at $555 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 71% in total monthly costs ($4,459 vs $2,611 including rent). Cumberland, RI is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 0% 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: $4,136 in New York, NY versus $1,605 in Cumberland, RI. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 30% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $4,459 per month in New York, NY versus $2,611 in Cumberland, RI – a 71% 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 71% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.