Last update: Oct 2026

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

For one person, living is cheaper in Cumberland, RI: $2,714 a month against $4,941 in New York, NY, rent and utilities included – about $26,700 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
130

Cost of Living Index in Cumberland, RI
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Cumberland, RI Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Cumberland, RI

🇺🇸 United States

$2,714

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Cumberland, RI

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 Cumberland, RI actually costs, broken down by who's living it.

Monthly costs for one person with rent: $4,941 in New York, NY versus $2,714 in Cumberland, RI.

New York, NY $4,941
Cumberland, RI $2,714

Estimated couple costs with rent: $7,225 in New York, NY versus $4,001 in Cumberland, RI.

New York, NY $7,225
Cumberland, RI $4,001

Monthly costs for a family of three with rent: $9,509 in New York, NY versus $5,288 in Cumberland, RI.

New York, NY $9,509
Cumberland, RI $5,288

Living in New York, NY is roughly 82% more expensive than in Cumberland, RI, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: New York, NY 263% above, Cumberland, RI 99% above.

Meal at Budget Restaurant

$28.55 $28.55

$17.97 $17.97

58.88%

Three-Course Dinner for Two, Mid-Range

$118 $118

$94.2 $94.2

25.76%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$12.07 $12.07

24.61%

Cappuccino

$6.53 $6.53

$5.22 $5.22

25.10%

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

$3.96 $3.96

$2.86 $2.86

38.46%

Water (0.33 liter bottle)

$3.01 $3.01

$2.24 $2.24

34.37%

Local Beer (0.5 liter draught)

$8.16 $8.16

$4.98 $4.98

63.86%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$8.12 $8.12

21.18%

Milk (1 liter)

$1.37 $1.37

$1.08 $1.08

26.85%

White Bread (500g)

$4.97 $4.97

$4.13 $4.13

20.34%

Rice (white) (1kg)

$7.81 $7.81

$5.31 $5.31

47.08%

Eggs

$5.97 $5.97

$4.87 $4.87

22.59%

Local Cheese (1kg)

$18.91 $18.91

$11.07 $11.07

70.82%

Chicken Fillets (1kg)

$18.04 $18.04

$14.42 $14.42

25.10%

Beef Round Steak (1kg)

$19.05 $19.05

$17.87 $17.87

6.60%

Apples (1kg)

$6.76 $6.76

$6.59 $6.59

2.58%

Banana (1kg)

$2.27 $2.27

$1.78 $1.78

27.53%

Oranges (1kg)

$6.83 $6.83

$5.41 $5.41

26.25%

Tomato (1kg)

$7.09 $7.09

$5.48 $5.48

29.38%

Potato (1kg)

$4.22 $4.22

$4.41 $4.41

-4.31%

Onion (1kg)

$4.65 $4.65

$4.02 $4.02

15.67%

Lettuce (1 head)

$2.87 $2.87

$3.04 $3.04

-5.59%

Water (1.5 liter bottle)

$2.60 $2.60

$2.90 $2.90

-10.34%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$12.95 $12.95

44.94%

Wine (Bottle)

$20.13 $20.13

$13.71 $13.71

46.83%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$2.09 $2.09

65.07%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$4.23 $4.23

-4.96%

One-way Ticket (Public Transport)

$2.91 $2.91

$1.95 $1.95

49.23%

Public Transport Monthly Pass (Regular Price)

$139 $139

$56.6 $56.6

145.40%

Taxi Start (Normal Tariff)

$3.08 $3.08

$2.62 $2.62

17.56%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.79 $1.79

18.44%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$27.81 $27.81

50.88%

Gasoline (1 liter)

$1.17 $1.17

$1.08 $1.08

8.33%

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

$34.5K $34.5K

$27.1K $27.1K

27.32%

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

$25.9K $25.9K

$26.1K $26.1K

-0.90%

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

$219 $219

$255 $255

-13.93%

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

$74.2 $74.2

$54.2 $54.2

37.00%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$85.3 $85.3

-17.65%

Gym Membership (Monthly)

$112 $112

$12.61 $12.61

787.79%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$22.14 $22.14

$14.54 $14.54

52.27%

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

$3,558 $3,558

$1,827 $1,827

94.75%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$25.4K $25.4K

145.17%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$55.9 $55.9

35.24%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$39.04 $39.04

31.15%

Sport Shoes (Adidas, Nike)

$123 $123

$79.0 $79.0

55.96%

Men's Leather Business Shoes

$140 $140

$101 $101

38.16%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,593 $1,593

182.46%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$1,315 $1,315

134.02%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$2,491 $2,491

279.29%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$2,187 $2,187

137.34%

Buy Apartment in City Center (m2)

$18.1K $18.1K

$2,671 $2,671

577.82%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

$2,370 $2,370

182.35%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$5,507 $5,507

-5.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.64

3.31%

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

Last update for New York, NY: October 26, 2026

Last update for Cumberland, RI: October 26, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 62.3%

Cumberland, RI

$1.3K 48.5% 57.3% $1.8K

Groceries & Markets

New York, NY

$563 11.4%

Cumberland, RI

$459 16.9% 18.5% $104

Eating Out

New York, NY

$440 8.9%

Cumberland, RI

$304 11.2% 30.9% $136

Monthly Utilities & Internet

New York, NY

$364 7.4%

Cumberland, RI

$394 14.5% 8.4% $31

Clothing & Footwear

New York, NY

$175 3.6%

Cumberland, RI

$124 4.6% 29.4% $52

Getting Around

New York, NY

$164 3.3%

Cumberland, RI

$76 2.8% 53.7% $88

Sport & Entertainment

New York, NY

$156 3.2%

Cumberland, RI

$42 1.5% 73.3% $115

Cost Breakdown

A one-bedroom apartment in the center runs $4,499 in New York, NY and $1,593 in Cumberland, RI. Housing cost is often the main lever when comparing two cities.

Cumberland, RI pays 6% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $118 in New York, NY vs $94 in Cumberland, RI for a mid-range dinner for two. Groceries echo the gap at $563 vs $459 per month, with Cumberland, RI cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 Cumberland, RI

🕒 Local time

12:09 12:09 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

19,076

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

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New York, NY Cumberland, RI 270 km

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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 82% in total monthly costs ($4,941 vs $2,714 including rent). Cumberland, RI is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 5% lower in New York, NY. 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: $4,499 in New York, NY versus $1,593 in Cumberland, RI. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Cumberland, RI runs roughly 59% less than in New York, NY. Both cities have functional networks, but the price difference matters if you’re watching your budget.

Childcare runs $3,558 in New York, NY versus $1,827 in Cumberland, RI. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $2,714 in Cumberland, RI versus $4,941 in New York, NY, a $3,000 budget is realistic in Cumberland, RI but tight or insufficient in New York, NY. The gap between the two cities makes Cumberland, RI the clear choice for anyone on this budget.

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 45% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.