Cost of Living Comparison Between New York, NY and Decatur, IL Cost of Living Comparison Between New York, NY and Decatur, IL

Monthly Cost of Living

A single person spends $4,437 per month in New York, NY vs $1,690 in Decatur, IL, rent included.

A couple spends around $6,995 per month in New York, NY vs $2,503 in Decatur, IL, rent included.

A family of three spends $9,552 per month in New York, NY vs $3,315 in Decatur, IL, rent included.

New York, NY costs about 162% more than Decatur, IL, driven mainly by Groceries & Markets.

Both New York, NY and Decatur, IL sit above the global median – New York, NY by 229%, Decatur, IL by 25%.

Meal at Budget Restaurant

$30.14 $30.14

$19.13 $19.13

57.55%

Three-Course Dinner for Two, Mid-Range

$147 $147

$68.2 $68.2

115.80%

Fast Food Meal (McDonalds, etc)

$12.62 $12.62

$8.97 $8.97

40.69%

Cappuccino

$6.00 $6.00

$4.94 $4.94

21.46%

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

$3.35 $3.35

$2.16 $2.16

55.09%

Water (0.33 liter bottle)

$2.58 $2.58

$1.68 $1.68

53.57%

Local Beer (0.5 liter draught)

$8.18 $8.18

$5.04 $5.04

62.30%

Imported Beer (0.33 liter bottle)

$11.99 $11.99

$6.05 $6.05

98.18%

Milk (1 liter)

$1.61 $1.61

$0.77 $0.77

109.09%

White Bread (500g)

$5.03 $5.03

$2.52 $2.52

99.60%

Rice (white) (1kg)

$8.40 $8.40

$1.99 $1.99

322.11%

Eggs

$7.10 $7.10

$3.65 $3.65

94.52%

Local Cheese (1kg)

$17.38 $17.38

$8.76 $8.76

98.40%

Chicken Fillets (1kg)

$16.18 $16.18

$7.83 $7.83

106.64%

Beef Round Steak (1kg)

$20.48 $20.48

$13.36 $13.36

53.29%

Apples (1kg)

$7.36 $7.36

$4.32 $4.32

70.37%

Banana (1kg)

$2.56 $2.56

$2.14 $2.14

19.63%

Oranges (1kg)

$5.71 $5.71

$4.45 $4.45

28.31%

Tomato (1kg)

$6.24 $6.24

$3.38 $3.38

84.62%

Potato (1kg)

$3.87 $3.87

$0.89 $0.89

334.83%

Onion (1kg)

$4.11 $4.11

$1.13 $1.13

263.72%

Lettuce (1 head)

$3.03 $3.03

$1.52 $1.52

99.34%

Water (1.5 liter bottle)

$2.55 $2.55

$2.59 $2.59

-1.54%

Cigarettes 20 Pack (Marlboro, Camel)

$19.07 $19.07

$6.94 $6.94

174.78%

Wine (Bottle)

$19.66 $19.66

$15.06 $15.06

30.54%

Local Beer (0.5 liter bottle)

$2.98 $2.98

$1.82 $1.82

63.74%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$2.05 $2.05

82.93%

One-way Ticket (Public Transport)

$2.94 $2.94

$2.05 $2.05

43.41%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$5.07 $5.07

$2.95 $2.95

71.86%

Taxi (Normal Tariff) (1km)

$2.19 $2.19

$1.38 $1.38

58.70%

Taxi 1hour Waiting (Normal Tariff)

$41.49 $41.49

$29.41 $29.41

41.07%

Gasoline (1 liter)

$0.98 $0.98

$0.82 $0.82

19.51%

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

$34.5K $34.5K

$29.9K $29.9K

15.54%

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

$28.3K $28.3K

$25.8K $25.8K

9.63%

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

$184 $184

$84.4 $84.4

118.39%

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

$59.0 $59.0

$60.8 $60.8

-2.98%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$62.1 $62.1

-0.32%

Gym Membership (Monthly)

$141 $141

$75.5 $75.5

86.23%

Tennis Court (1 Hour on Weekend)

$65.3 $65.3

Cinema Ticket

$20.13 $20.13

$11.93 $11.93

68.73%

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

$3,191 $3,191

$1,322 $1,322

141.33%

International Primary School, 1 Child (Yearly)

$57.5K $57.5K

$23.5K $23.5K

144.59%

Jeans (Levis 501 Or Similar)

$67.2 $67.2

$57.7 $57.7

16.47%

Summer Dress (H&M, Zara, etc)

$47.98 $47.98

$42.63 $42.63

12.55%

Sport Shoes (Adidas, Nike)

$111 $111

$75.6 $75.6

47.20%

Men's Leather Business Shoes

$170 $170

$189 $189

-10.32%

1-bedroom Apartment, City Center (Monthly)

$4,207 $4,207

$886 $886

374.56%

1-bedroom Apartment, Outside City Center (Monthly)

$2,717 $2,717

$559 $559

385.87%

3-bedroom Apartment, City Center (Monthly)

$8,382 $8,382

$1,020 $1,020

721.86%

3-bedroom Apartment, Outside City Center (Monthly)

$5,127 $5,127

$824 $824

522.35%

Buy Apartment in City Center (m2)

$19.5K $19.5K

$934 $934

1992.03%

Buy Apartment Outside City Center (m2)

$8,862 $8,862

$932 $932

850.72%

Average Monthly Net Salary (After Tax)

$5,228 $5,228

$4,466 $4,466

17.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.56

-1.83%

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

Last update for New York, NY: April 11, 2026

Last update for Decatur, IL: April 14, 2026

Cost Breakdown

A central one-bedroom costs $4,207 in New York, NY versus $886 in Decatur, IL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 17% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $147 in New York, NY versus $68 in Decatur, IL. Monthly groceries follow the same trend: $553 vs $316 – making Decatur, IL the more affordable choice for daily food spending.

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 Decatur, IL: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 162%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $6,655 per month in New York, NY and $2,535 in Decatur, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Decatur, IL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $147 in New York, NY and $68.0 in Decatur, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 75% more in New York, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,500 monthly budget goes further in Decatur, IL, where all-in costs run around $1,690, than in New York, NY at $4,437. In Decatur, IL it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

Families tend to lean toward Decatur, IL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Decatur, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.