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

Monthly Cost of Living

Monthly costs for one person with rent: $4,792 in New York, NY versus $3,192 in Helena, MT.

Estimated couple costs with rent: $6,961 in New York, NY versus $4,500 in Helena, MT.

Monthly costs for a family of three with rent: $9,130 in New York, NY versus $5,808 in Helena, MT.

Living in New York, NY is roughly 50% more expensive than in Helena, MT, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: New York, NY 253% above, Helena, MT 135% above.

Meal at Budget Restaurant

$24.99 $24.99

$21.39 $21.39

16.83%

Three-Course Dinner for Two, Mid-Range

$141 $141

$98.2 $98.2

44.02%

Fast Food Meal (McDonalds, etc)

$13.12 $13.12

$18.34 $18.34

-28.46%

Cappuccino

$6.36 $6.36

$5.16 $5.16

23.26%

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

$3.59 $3.59

$2.25 $2.25

59.56%

Water (0.33 liter bottle)

$2.82 $2.82

$1.73 $1.73

63.01%

Local Beer (0.5 liter draught)

$7.80 $7.80

$5.06 $5.06

54.15%

Imported Beer (0.33 liter bottle)

$9.97 $9.97

$6.89 $6.89

44.70%

Milk (1 liter)

$1.33 $1.33

$1.08 $1.08

23.15%

White Bread (500g)

$4.49 $4.49

$3.83 $3.83

17.23%

Rice (white) (1kg)

$6.57 $6.57

$4.58 $4.58

43.45%

Eggs

$5.50 $5.50

$3.78 $3.78

45.50%

Local Cheese (1kg)

$16.60 $16.60

$18.08 $18.08

-8.19%

Chicken Fillets (1kg)

$14.24 $14.24

$9.18 $9.18

55.12%

Beef Round Steak (1kg)

$17.33 $17.33

$19.58 $19.58

-11.49%

Apples (1kg)

$6.15 $6.15

$4.79 $4.79

28.39%

Banana (1kg)

$2.15 $2.15

$1.83 $1.83

17.49%

Oranges (1kg)

$5.70 $5.70

$4.40 $4.40

29.55%

Tomato (1kg)

$5.90 $5.90

$4.01 $4.01

47.13%

Potato (1kg)

$3.38 $3.38

$2.11 $2.11

60.19%

Onion (1kg)

$3.96 $3.96

$1.53 $1.53

158.82%

Lettuce (1 head)

$2.62 $2.62

$1.68 $1.68

55.95%

Water (1.5 liter bottle)

$2.48 $2.48

$1.60 $1.60

55.00%

Cigarettes 20 Pack (Marlboro, Camel)

$18.63 $18.63

$10.70 $10.70

74.11%

Wine (Bottle)

$20.29 $20.29

$12.86 $12.86

57.78%

Local Beer (0.5 liter bottle)

$3.24 $3.24

$1.69 $1.69

91.72%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$2.49 $2.49

55.42%

One-way Ticket (Public Transport)

$3.02 $3.02

$3.49 $3.49

-13.47%

Public Transport Monthly Pass (Regular Price)

$140 $140

$58.9 $58.9

137.09%

Taxi Start (Normal Tariff)

$2.96 $2.96

$9.88 $9.88

-70.04%

Taxi (Normal Tariff) (1km)

$2.19 $2.19

$3.49 $3.49

-37.25%

Taxi 1hour Waiting (Normal Tariff)

$42.75 $42.75

$44.66 $44.66

-4.28%

Gasoline (1 liter)

$1.11 $1.11

$0.94 $0.94

18.09%

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

$35.5K $35.5K

$35.3K $35.3K

0.44%

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

$25.4K $25.4K

$31.2K $31.2K

-18.71%

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

$255 $255

$379 $379

-32.74%

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

$73.4 $73.4

$66.9 $66.9

9.73%

Internet (50+ Mbps, Unlimited Data)

$76.5 $76.5

$90.5 $90.5

-15.46%

Gym Membership (Monthly)

$113 $113

$51.9 $51.9

118.43%

Tennis Court (1 Hour on Weekend)

$61.4 $61.4

$15.29 $15.29

301.57%

Cinema Ticket

$21.66 $21.66

$11.97 $11.97

80.95%

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

$3,394 $3,394

$1,963 $1,963

72.87%

International Primary School, 1 Child (Yearly)

$59.5K $59.5K

$28.2K $28.2K

110.72%

Jeans (Levis 501 Or Similar)

$69.3 $69.3

$63.6 $63.6

9.00%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$117 $117

-55.94%

Sport Shoes (Adidas, Nike)

$115 $115

$83.2 $83.2

38.54%

Men's Leather Business Shoes

$126 $126

$122 $122

3.81%

1-bedroom Apartment, City Center (Monthly)

$4,487 $4,487

$1,740 $1,740

157.90%

1-bedroom Apartment, Outside City Center (Monthly)

$2,949 $2,949

$1,508 $1,508

95.55%

3-bedroom Apartment, City Center (Monthly)

$8,808 $8,808

$2,946 $2,946

199.04%

3-bedroom Apartment, Outside City Center (Monthly)

$5,137 $5,137

$2,483 $2,483

106.89%

Buy Apartment in City Center (m2)

$18.5K $18.5K

$3,538 $3,538

421.59%

Buy Apartment Outside City Center (m2)

$6,500 $6,500

$2,964 $2,964

119.31%

Average Monthly Net Salary (After Tax)

$5,300 $5,300

$6,726 $6,726

-21.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.35

6.15

3.25%

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

Last update for New York, NY: August 2, 2026

Last update for Helena, MT: August 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $4,487 in New York, NY and $1,740 in Helena, MT. Housing cost is often the main lever when comparing two cities.

Helena, MT pays 27% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $141 in New York, NY vs $98.0 in Helena, MT for a mid-range dinner for two. Groceries echo the gap at $498 vs $388 per month, with Helena, MT 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 Helena, MT: Cost of Living - Frequently Asked Questions

New York, NY and Helena, MT differ by about 50% in total monthly costs ($4,792 vs $3,192 including rent). Helena, MT is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 27% lower in Helena, MT. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $4,487 in New York, NY versus $1,740 in Helena, MT. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,394 in New York, NY versus $1,963 in Helena, MT. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in New York, NY. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $3,000. Helena, MT is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, New York, NY and Helena, MT 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 Helena, MT gentler on the wallet – expenses run 50% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.