Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Golden, CO

For one person, living is cheaper in Golden, CO: $3,466 a month against $4,938 in New York, NY, rent and utilities included – about $17,700 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
Learn more

New York, NY Living Index
167

Cost of Living Index in Golden, CO
Learn more

Golden, CO Living Index

Jump to prices

New York, NY

🇺🇸 United States

$4,938

/mo nomad

Golden, CO

🇺🇸 United States

$3,466

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Golden, CO

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 Golden, CO actually costs, broken down by who's living it.

A single person spends $4,938 per month in New York, NY vs $3,466 in Golden, CO, rent included.

New York, NY $4,938
Golden, CO $3,466

A couple spends around $7,273 per month in New York, NY vs $3,184 in Golden, CO, rent included.

New York, NY $7,273
Golden, CO $3,184

A family of three spends $9,608 per month in New York, NY vs $2,903 in Golden, CO, rent included.

New York, NY $9,608
Golden, CO $2,903

New York, NY costs about 42% more than Golden, CO, and outside of rent the biggest gap is in transport.

Both New York, NY and Golden, CO sit above the global median – New York, NY by 264%, Golden, CO by 156%.

Meal at Budget Restaurant

$24.99 $24.99

$20.35 $20.35

22.80%

Three-Course Dinner for Two, Mid-Range

$120 $120

$66.4 $66.4

81.07%

Fast Food Meal (McDonalds, etc)

$13.74 $13.74

$11.87 $11.87

15.75%

Cappuccino

$6.60 $6.60

$5.38 $5.38

22.68%

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

$3.82 $3.82

$2.70 $2.70

41.48%

Water (0.33 liter bottle)

$2.87 $2.87

$1.97 $1.97

45.69%

Local Beer (0.5 liter draught)

$7.95 $7.95

$5.89 $5.89

34.97%

Imported Beer (0.33 liter bottle)

$10.06 $10.06

$7.21 $7.21

39.53%

Milk (1 liter)

$1.37 $1.37

$0.91 $0.91

50.55%

White Bread (500g)

$4.75 $4.75

$3.27 $3.27

45.26%

Rice (white) (1kg)

$7.69 $7.69

$4.34 $4.34

77.19%

Eggs

$5.87 $5.87

$3.02 $3.02

94.37%

Local Cheese (1kg)

$19.25 $19.25

$15.08 $15.08

27.65%

Chicken Fillets (1kg)

$17.83 $17.83

$13.68 $13.68

30.34%

Beef Round Steak (1kg)

$19.03 $19.03

$17.39 $17.39

9.43%

Apples (1kg)

$6.69 $6.69

$5.48 $5.48

22.08%

Banana (1kg)

$2.29 $2.29

$1.33 $1.33

72.18%

Oranges (1kg)

$6.41 $6.41

$4.50 $4.50

42.44%

Tomato (1kg)

$6.75 $6.75

$4.62 $4.62

46.10%

Potato (1kg)

$3.93 $3.93

$2.42 $2.42

62.40%

Onion (1kg)

$4.52 $4.52

$2.60 $2.60

73.85%

Lettuce (1 head)

$2.79 $2.79

$2.40 $2.40

16.25%

Water (1.5 liter bottle)

$2.51 $2.51

$1.97 $1.97

27.41%

Cigarettes 20 Pack (Marlboro, Camel)

$18.10 $18.10

$10.09 $10.09

79.39%

Wine (Bottle)

$20.16 $20.16

$19.31 $19.31

4.40%

Local Beer (0.5 liter bottle)

$3.26 $3.26

$3.32 $3.32

-1.81%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$4.73 $4.73

-20.72%

One-way Ticket (Public Transport)

$2.92 $2.92

$2.68 $2.68

8.96%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$3.06 $3.06

$3.80 $3.80

-19.47%

Taxi (Normal Tariff) (1km)

$2.16 $2.16

$1.42 $1.42

52.11%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$24.66 $24.66

67.60%

Gasoline (1 liter)

$1.12 $1.12

$1.02 $1.02

9.80%

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

$33.1K $33.1K

$27.8K $27.8K

19.03%

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

$25.7K $25.7K

$26.9K $26.9K

-4.25%

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

$219 $219

$200 $200

9.78%

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

$75.3 $75.3

$93.5 $93.5

-19.46%

Internet (50+ Mbps, Unlimited Data)

$70.5 $70.5

$70.9 $70.9

-0.61%

Gym Membership (Monthly)

$116 $116

$60.4 $60.4

91.19%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$21.37 $21.37

$15.20 $15.20

40.59%

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

$3,432 $3,432

$1,520 $1,520

125.70%

International Primary School, 1 Child (Yearly)

$61.7K $61.7K

$24.8K $24.8K

148.33%

Jeans (Levis 501 Or Similar)

$74.9 $74.9

$57.7 $57.7

29.77%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$24.77 $24.77

110.50%

Sport Shoes (Adidas, Nike)

$117 $117

$82.3 $82.3

41.82%

Men's Leather Business Shoes

$135 $135

$104 $104

29.80%

1-bedroom Apartment, City Center (Monthly)

$4,347 $4,347

$2,266 $2,266

91.84%

1-bedroom Apartment, Outside City Center (Monthly)

$3,117 $3,117

$2,119 $2,119

47.07%

3-bedroom Apartment, City Center (Monthly)

$9,110 $9,110

3-bedroom Apartment, Outside City Center (Monthly)

$5,379 $5,379

Buy Apartment in City Center (m2)

$19.3K $19.3K

Buy Apartment Outside City Center (m2)

$6,943 $6,943

Average Monthly Net Salary (After Tax)

$5,238 $5,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.85

6.72

1.93%

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

Last update for New York, NY: October 17, 2026

Last update for Golden, CO: October 17, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 63.1%

Golden, CO

$2.1K 61.1% 32% $998

Groceries & Markets

New York, NY

$552 11.2%

Golden, CO

$424 12.2% 23.2% $128

Eating Out

New York, NY

$407 8.2%

Golden, CO

$326 9.4% 20% $81

Monthly Utilities & Internet

New York, NY

$365 7.4%

Golden, CO

$364 10.5% 0.2% $0.9

Clothing & Footwear

New York, NY

$170 3.5%

Golden, CO

$121 3.5% 29% $49

Getting Around

New York, NY

$168 3.4%

Golden, CO

$22 * 0.6% 87.1% $147

Sport & Entertainment

New York, NY

$158 3.2%

Golden, CO

$91 2.6% 42.6% $67

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $4,347 in New York, NY versus $2,266 in Golden, CO. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $120 in New York, NY versus $66.0 in Golden, CO. Monthly groceries follow the same trend: $552 vs $424 – making Golden, CO the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Golden, CO

🕒 Local time

20:26 8:26 PM

18:26 6:26 PM

2 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

20,399

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

New York, NY Golden, CO 2,620 km ≈ 3 h 45 min nonstop flight

From you

New York, NY
Golden, CO

Distances are measured in a straight line. Your location is detected approximately.

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 Golden, CO: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,938 in New York, NY, $3,466 in Golden, CO – roughly 42% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $7,407 per month in New York, NY and $5,199 in Golden, CO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $4,938 in New York, NY and $3,466 in Golden, CO. That's a gap of about 42%.

Kindergarten costs $3,432 per month in New York, NY and $1,520 in Golden, CO. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$3,000 is a stretch for both – monthly costs hit $4,938 in New York, NY and $3,466 in Golden, CO. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $3,466 in Golden, CO to $4,938 in New York, NY. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Golden, CO. 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.