Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Hamilton, MT

For one person, living is cheaper in Hamilton, MT: $2,220 a month against $4,906 in New York, NY, rent and utilities included – about $32,200 less a year. Rent and utilities account for most of the difference.

234

Cost of Living Index in New York, NY
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New York, NY Living Index
106

Cost of Living Index in Hamilton, MT
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Hamilton, MT Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Hamilton, MT

🇺🇸 United States

$2,220

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Hamilton, MT

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 Hamilton, MT actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,220 in Hamilton, MT, rent included.

New York, NY $4,906
Hamilton, MT $2,220

A couple spends around $7,273 per month in New York, NY vs $3,644 in Hamilton, MT, rent included.

New York, NY $7,273
Hamilton, MT $3,644

A family of three spends $9,641 per month in New York, NY vs $5,068 in Hamilton, MT, rent included.

New York, NY $9,641
Hamilton, MT $5,068

New York, NY costs about 121% more than Hamilton, MT, and outside of rent the biggest gap is in groceries.

Both New York, NY and Hamilton, MT sit above the global median – New York, NY by 263%, Hamilton, MT by 64%.

Meal at Budget Restaurant

$26.93 $26.93

$37.54 $37.54

-28.26%

Three-Course Dinner for Two, Mid-Range

$117 $117

$69.0 $69.0

69.33%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$11.34 $11.34

28.75%

Cappuccino

$6.54 $6.54

$5.25 $5.25

24.57%

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

$3.86 $3.86

$2.71 $2.71

42.44%

Water (0.33 liter bottle)

$2.95 $2.95

$1.98 $1.98

48.99%

Local Beer (0.5 liter draught)

$8.08 $8.08

$6.12 $6.12

32.03%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.06 $7.06

39.52%

Milk (1 liter)

$1.31 $1.31

$0.99 $0.99

32.32%

White Bread (500g)

$4.97 $4.97

$3.49 $3.49

42.41%

Rice (white) (1kg)

$7.70 $7.70

$4.56 $4.56

68.86%

Eggs

$6.09 $6.09

$4.18 $4.18

45.69%

Local Cheese (1kg)

$19.55 $19.55

$12.30 $12.30

58.94%

Chicken Fillets (1kg)

$17.59 $17.59

$12.43 $12.43

41.51%

Beef Round Steak (1kg)

$20.26 $20.26

$19.15 $19.15

5.80%

Apples (1kg)

$6.99 $6.99

$5.96 $5.96

17.28%

Banana (1kg)

$2.21 $2.21

$1.29 $1.29

71.32%

Oranges (1kg)

$6.72 $6.72

$3.84 $3.84

75.00%

Tomato (1kg)

$7.12 $7.12

$4.63 $4.63

53.78%

Potato (1kg)

$4.61 $4.61

$2.77 $2.77

66.43%

Onion (1kg)

$4.78 $4.78

$3.39 $3.39

41.00%

Lettuce (1 head)

$2.87 $2.87

$2.10 $2.10

36.67%

Water (1.5 liter bottle)

$2.69 $2.69

$2.18 $2.18

23.39%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$10.94 $10.94

74.95%

Wine (Bottle)

$19.63 $19.63

$15.18 $15.18

29.31%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.13 $2.13

55.87%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$3.51 $3.51

19.37%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.03 $2.03

48.77%

Public Transport Monthly Pass (Regular Price)

$139 $139

$62.3 $62.3

123.75%

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.13 $3.13

-2.88%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.83 $1.83

20.22%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$32.18 $32.18

28.43%

Gasoline (1 liter)

$1.13 $1.13

$1.03 $1.03

9.71%

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

$34.5K $34.5K

$29.6K $29.6K

16.54%

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

$25.8K $25.8K

$26.2K $26.2K

-1.19%

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

$232 $232

$202 $202

15.11%

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

$71.0 $71.0

$58.9 $58.9

20.57%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$89.5 $89.5

-24.38%

Gym Membership (Monthly)

$115 $115

$40.28 $40.28

186.42%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$13.00 $13.00

72.38%

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

$3,606 $3,606

$1,307 $1,307

175.88%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$22.7K $22.7K

202.23%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$53.0 $53.0

49.53%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$47.47 $47.47

8.28%

Sport Shoes (Adidas, Nike)

$121 $121

$88.2 $88.2

37.25%

Men's Leather Business Shoes

$140 $140

$115 $115

22.27%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,172 $1,172

288.71%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$713 $713

326.24%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,379 $2,379

309.57%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$1,802 $1,802

195.82%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,261 $2,261

706.16%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,356 $2,356

183.82%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$3,528 $3,528

44.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

7.29

-5.49%

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

Last update for New York, NY: November 1, 2026

Last update for Hamilton, MT: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Hamilton, MT

$713 32.1% 76.5% $2.3K

Groceries & Markets

New York, NY

$567 11.6%

Hamilton, MT

$410 18.5% 27.7% $157

Eating Out

New York, NY

$425 8.7%

Hamilton, MT

$461 20.8% 8.4% $36

Monthly Utilities & Internet

New York, NY

$371 7.6%

Hamilton, MT

$350 15.8% 5.6% $21

Clothing & Footwear

New York, NY

$176 3.6%

Hamilton, MT

$137 6.2% 22.6% $40

Getting Around

New York, NY

$165 3.4%

Hamilton, MT

$83 3.7% 50% $83

Sport & Entertainment

New York, NY

$160 3.3%

Hamilton, MT

$66 3% 58.6% $94

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,172 in Hamilton, MT. 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 44% 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 $117 in New York, NY versus $69 in Hamilton, MT. Monthly groceries follow the same trend: $567 vs $410 – making Hamilton, MT the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Hamilton, MT

🕒 Local time

00:23 12:23 AM

22:23 10:23 PM

2 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

62,447

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.894 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

New York, NY Hamilton, MT 3,250 km ≈ 4 h 30 min nonstop flight

From you

New York, NY
Hamilton, MT

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 Hamilton, MT: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,906 in New York, NY, $2,220 in Hamilton, MT – Hamilton, MT comes out roughly 55% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $7,358 per month in New York, NY and $3,330 in Hamilton, MT. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Hamilton, MT, especially for central apartments: a one-bedroom in the center costs $1,172 there versus $4,555 in New York, NY.

Monthly expenses with rent come to $4,906 in New York, NY and $2,220 in Hamilton, MT. That makes Hamilton, MT about 55% cheaper.

Public transport costs about 55% less in Hamilton, MT. For daily commuters, that gap adds up to noticeable savings over a year.

A $3,000 monthly budget goes further in Hamilton, MT, where all-in costs run around $2,220, than in New York, NY at $4,906. In Hamilton, MT it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

Families tend to lean toward Hamilton, MT – 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 Hamilton, MT. If higher salaries or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.