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

Monthly Cost of Living

A single person spends $4,438 per month in New York, NY vs $2,572 in Hamilton, MT, rent included.

A couple spends around $7,016 per month in New York, NY vs $3,430 in Hamilton, MT, rent included.

A family of three spends $9,593 per month in New York, NY vs $4,288 in Hamilton, MT, rent included.

New York, NY costs about 73% more than Hamilton, MT, driven mainly by Groceries & Markets.

Both New York, NY and Hamilton, MT sit above the global median – New York, NY by 231%, Hamilton, MT by 92%.

Meal at Budget Restaurant

$29.91 $29.91

$19.21 $19.21

55.70%

Three-Course Dinner for Two, Mid-Range

$144 $144

$75.6 $75.6

90.35%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$10.79 $10.79

14.18%

Cappuccino

$6.03 $6.03

$5.11 $5.11

18.00%

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

$3.39 $3.39

$2.48 $2.48

36.69%

Water (0.33 liter bottle)

$2.56 $2.56

$1.96 $1.96

30.61%

Local Beer (0.5 liter draught)

$8.20 $8.20

$6.14 $6.14

33.55%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$6.94 $6.94

72.19%

Milk (1 liter)

$1.54 $1.54

$1.01 $1.01

52.48%

White Bread (500g)

$5.15 $5.15

$3.48 $3.48

47.99%

Rice (white) (1kg)

$8.43 $8.43

$4.41 $4.41

91.16%

Eggs

$6.97 $6.97

$4.23 $4.23

64.78%

Local Cheese (1kg)

$17.28 $17.28

$12.35 $12.35

39.92%

Chicken Fillets (1kg)

$16.24 $16.24

$11.70 $11.70

38.80%

Beef Round Steak (1kg)

$19.95 $19.95

$15.27 $15.27

30.65%

Apples (1kg)

$7.45 $7.45

$6.11 $6.11

21.93%

Banana (1kg)

$2.42 $2.42

$1.33 $1.33

81.95%

Oranges (1kg)

$5.87 $5.87

$4.30 $4.30

36.51%

Tomato (1kg)

$6.31 $6.31

$4.67 $4.67

35.12%

Potato (1kg)

$3.72 $3.72

$2.90 $2.90

28.28%

Onion (1kg)

$3.99 $3.99

$2.77 $2.77

44.04%

Lettuce (1 head)

$3.19 $3.19

$2.08 $2.08

53.37%

Water (1.5 liter bottle)

$2.55 $2.55

$2.21 $2.21

15.38%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$9.56 $9.56

99.69%

Wine (Bottle)

$20.24 $20.24

$15.15 $15.15

33.60%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$1.86 $1.86

60.75%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$3.28 $3.28

17.99%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.06 $2.06

43.20%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$5.13 $5.13

$3.43 $3.43

49.56%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.60 $1.60

37.50%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$29.46 $29.46

44.74%

Gasoline (1 liter)

$0.95 $0.95

$0.83 $0.83

14.46%

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

$34.5K $34.5K

$29.7K $29.7K

16.04%

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

$28.2K $28.2K

$25.9K $25.9K

9.12%

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

$182 $182

$201 $201

-9.72%

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

$60.1 $60.1

$51.9 $51.9

15.73%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$77.2 $77.2

-19.76%

Gym Membership (Monthly)

$140 $140

$42.46 $42.46

229.77%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$13.37 $13.37

52.06%

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

$3,222 $3,222

$1,308 $1,308

146.42%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$23.7K $23.7K

136.99%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$51.4 $51.4

28.27%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$40.12 $40.12

17.65%

Sport Shoes (Adidas, Nike)

$111 $111

$85.9 $85.9

29.31%

Men's Leather Business Shoes

$173 $173

$113 $113

53.19%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$915 $915

359.93%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,371 $1,371

93.03%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$1,981 $1,981

324.73%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$1,526 $1,526

238.66%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,242 $2,242

796.44%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,359 $2,359

270.66%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

$3,603 $3,603

42.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.51

-1.08%

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

Last update for New York, NY: April 20, 2026

Last update for Hamilton, MT: April 21, 2026

Cost Breakdown

A central one-bedroom costs $4,208 in New York, NY versus $915 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 43% 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 $144 in New York, NY versus $76 in Hamilton, MT. Monthly groceries follow the same trend: $554 vs $395 – making Hamilton, MT 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 Hamilton, MT: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,438 in New York, NY, $2,572 in Hamilton, MT – roughly 73% apart. New York, NY costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $6,657 per month in New York, NY and $3,858 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $4,438 in New York, NY and $2,572 in Hamilton, MT. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $3,222 per month in New York, NY and $1,308 in Hamilton, MT. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $3,000 monthly budget goes further in Hamilton, MT, where all-in costs run around $2,572, than in New York, NY at $4,438. In Hamilton, MT it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $2,572 in Hamilton, MT to $4,438 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 Hamilton, MT. 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.