Cost of Living Comparison Between New York, NY and Fort Collins, CO Cost of Living Comparison Between New York, NY and Fort Collins, CO

Monthly Cost of Living

Monthly costs for one person with rent: $4,841 in New York, NY versus $2,675 in Fort Collins, CO.

Estimated couple costs with rent: $7,287 in New York, NY versus $4,067 in Fort Collins, CO.

Monthly costs for a family of three with rent: $9,734 in New York, NY versus $5,459 in Fort Collins, CO.

Living in New York, NY is roughly 81% more expensive than in Fort Collins, CO, driven mainly by Getting Around.

Both cities are pricier than the global median: New York, NY 254% above, Fort Collins, CO 96% above.

Meal at Budget Restaurant

$25.33 $25.33

$22.21 $22.21

14.05%

Three-Course Dinner for Two, Mid-Range

$142 $142

$79.6 $79.6

78.75%

Fast Food Meal (McDonalds, etc)

$13.78 $13.78

$10.95 $10.95

25.84%

Cappuccino

$6.19 $6.19

$6.06 $6.06

2.15%

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

$3.69 $3.69

$2.52 $2.52

46.43%

Water (0.33 liter bottle)

$2.96 $2.96

$2.17 $2.17

36.41%

Local Beer (0.5 liter draught)

$7.76 $7.76

$6.85 $6.85

13.28%

Imported Beer (0.33 liter bottle)

$10.14 $10.14

$7.08 $7.08

43.22%

Milk (1 liter)

$1.39 $1.39

$1.00 $1.00

39.00%

White Bread (500g)

$4.59 $4.59

$2.95 $2.95

55.59%

Rice (white) (1kg)

$6.94 $6.94

$2.75 $2.75

152.36%

Eggs

$5.79 $5.79

$4.36 $4.36

32.80%

Local Cheese (1kg)

$17.32 $17.32

$10.84 $10.84

59.78%

Chicken Fillets (1kg)

$15.04 $15.04

$10.21 $10.21

47.31%

Beef Round Steak (1kg)

$18.02 $18.02

$20.54 $20.54

-12.27%

Apples (1kg)

$6.29 $6.29

$5.26 $5.26

19.58%

Banana (1kg)

$2.13 $2.13

$1.50 $1.50

42.00%

Oranges (1kg)

$5.80 $5.80

$5.00 $5.00

16.00%

Tomato (1kg)

$6.28 $6.28

$5.30 $5.30

18.49%

Potato (1kg)

$3.39 $3.39

$3.47 $3.47

-2.31%

Onion (1kg)

$4.27 $4.27

$4.57 $4.57

-6.56%

Lettuce (1 head)

$2.77 $2.77

$2.31 $2.31

19.91%

Water (1.5 liter bottle)

$2.56 $2.56

$1.71 $1.71

49.71%

Cigarettes 20 Pack (Marlboro, Camel)

$18.70 $18.70

$9.79 $9.79

91.01%

Wine (Bottle)

$20.30 $20.30

$18.05 $18.05

12.47%

Local Beer (0.5 liter bottle)

$3.15 $3.15

$2.56 $2.56

23.05%

Imported Beer (0.33 liter bottle)

$4.03 $4.03

$2.74 $2.74

47.08%

One-way Ticket (Public Transport)

$2.97 $2.97

Public Transport Monthly Pass (Regular Price)

$138 $138

Taxi Start (Normal Tariff)

$3.09 $3.09

$2.43 $2.43

27.16%

Taxi (Normal Tariff) (1km)

$2.14 $2.14

$1.89 $1.89

13.23%

Taxi 1hour Waiting (Normal Tariff)

$41.56 $41.56

$24.75 $24.75

67.92%

Gasoline (1 liter)

$1.13 $1.13

$1.03 $1.03

9.71%

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

$35.4K $35.4K

$36.0K $36.0K

-1.57%

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

$25.6K $25.6K

$24.8K $24.8K

2.99%

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

$236 $236

$213 $213

10.70%

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

$73.7 $73.7

$55.7 $55.7

32.35%

Internet (50+ Mbps, Unlimited Data)

$72.4 $72.4

$70.7 $70.7

2.38%

Gym Membership (Monthly)

$125 $125

$53.9 $53.9

132.18%

Tennis Court (1 Hour on Weekend)

$63.1 $63.1

$30.07 $30.07

109.71%

Cinema Ticket

$23.37 $23.37

$12.22 $12.22

91.24%

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

$3,353 $3,353

$1,315 $1,315

154.97%

International Primary School, 1 Child (Yearly)

$61.0K $61.0K

$12.4K $12.4K

390.85%

Jeans (Levis 501 Or Similar)

$72.4 $72.4

$60.9 $60.9

18.91%

Summer Dress (H&M, Zara, etc)

$52.2 $52.2

$67.5 $67.5

-22.73%

Sport Shoes (Adidas, Nike)

$116 $116

$80.1 $80.1

45.50%

Men's Leather Business Shoes

$124 $124

$116 $116

6.22%

1-bedroom Apartment, City Center (Monthly)

$4,438 $4,438

$1,861 $1,861

138.46%

1-bedroom Apartment, Outside City Center (Monthly)

$3,045 $3,045

$1,371 $1,371

122.14%

3-bedroom Apartment, City Center (Monthly)

$9,088 $9,088

$2,735 $2,735

232.25%

3-bedroom Apartment, Outside City Center (Monthly)

$5,404 $5,404

$2,478 $2,478

118.03%

Buy Apartment in City Center (m2)

$18.8K $18.8K

$3,041 $3,041

518.51%

Buy Apartment Outside City Center (m2)

$6,500 $6,500

$3,003 $3,003

116.49%

Average Monthly Net Salary (After Tax)

$5,258 $5,258

$4,390 $4,390

19.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.49

6.08

6.74%

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

Last update for New York, NY: September 12, 2026

Last update for Fort Collins, CO: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,438 in New York, NY and $1,861 in Fort Collins, CO. Housing cost is often the main lever when comparing two cities.

New York, NY pays 20% 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: $142 in New York, NY vs $80.0 in Fort Collins, CO for a mid-range dinner for two. Groceries echo the gap at $516 vs $399 per month, with Fort Collins, CO 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 Fort Collins, CO: Cost of Living - Frequently Asked Questions

Fort Collins, CO wins on cost – living expenses run 81% lower than in New York, NY. Housing and daily spending are where you'll feel the difference most, making Fort Collins, CO the obvious pick if budget is a priority.

Average pay runs 20% 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: $4,438 in New York, NY versus $1,861 in Fort Collins, CO. 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 $4,841 per month in New York, NY versus $2,675 in Fort Collins, CO – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,000. Fort Collins, CO is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Fort Collins, CO delivers better value – similar infrastructure at $2,675 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Fort Collins, CO hard to pass up.

Safety-wise, New York, NY and Fort Collins, CO are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Fort Collins, CO gentler on the wallet – expenses run 81% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.