Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Katy, TX

For one person, living is cheaper in Katy, TX: $2,451 a month against $4,906 in New York, NY, rent and utilities included – about $29,500 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
117

Cost of Living Index in Katy, TX
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Katy, TX Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Katy, TX

🇺🇸 United States

$2,451

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Katy, TX

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 Katy, TX actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,451 in Katy, TX, rent included.

New York, NY $4,906
Katy, TX $2,451

A couple spends around $7,273 per month in New York, NY vs $3,581 in Katy, TX, rent included.

New York, NY $7,273
Katy, TX $3,581

A family of three spends $9,641 per month in New York, NY vs $4,711 in Katy, TX, rent included.

New York, NY $9,641
Katy, TX $4,711

New York, NY costs about 100% more than Katy, TX, and outside of rent the biggest gap is in groceries.

Both New York, NY and Katy, TX sit above the global median – New York, NY by 263%, Katy, TX by 81%.

Meal at Budget Restaurant

$26.93 $26.93

$16.88 $16.88

59.54%

Three-Course Dinner for Two, Mid-Range

$117 $117

$60.6 $60.6

92.88%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$8.85 $8.85

64.97%

Cappuccino

$6.54 $6.54

$3.49 $3.49

87.39%

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

$3.86 $3.86

$1.98 $1.98

94.95%

Water (0.33 liter bottle)

$2.95 $2.95

$2.13 $2.13

38.50%

Local Beer (0.5 liter draught)

$8.08 $8.08

$4.07 $4.07

98.53%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$5.53 $5.53

78.12%

Milk (1 liter)

$1.31 $1.31

$0.95 $0.95

37.89%

White Bread (500g)

$4.97 $4.97

$3.53 $3.53

40.79%

Rice (white) (1kg)

$7.70 $7.70

$3.06 $3.06

151.63%

Eggs

$6.09 $6.09

$3.05 $3.05

99.67%

Local Cheese (1kg)

$19.55 $19.55

$13.08 $13.08

49.46%

Chicken Fillets (1kg)

$17.59 $17.59

$9.66 $9.66

82.09%

Beef Round Steak (1kg)

$20.26 $20.26

$16.72 $16.72

21.17%

Apples (1kg)

$6.99 $6.99

$3.83 $3.83

82.51%

Banana (1kg)

$2.21 $2.21

$1.24 $1.24

78.23%

Oranges (1kg)

$6.72 $6.72

$3.12 $3.12

115.38%

Tomato (1kg)

$7.12 $7.12

$3.25 $3.25

119.08%

Potato (1kg)

$4.61 $4.61

$2.10 $2.10

119.52%

Onion (1kg)

$4.78 $4.78

$2.49 $2.49

91.97%

Lettuce (1 head)

$2.87 $2.87

$1.78 $1.78

61.24%

Water (1.5 liter bottle)

$2.69 $2.69

$1.22 $1.22

120.49%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$9.68 $9.68

97.73%

Wine (Bottle)

$19.63 $19.63

$12.75 $12.75

53.96%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.70 $1.70

95.29%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$1.58 $1.58

165.19%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.02 $2.02

49.50%

Public Transport Monthly Pass (Regular Price)

$139 $139

$107 $107

30.52%

Taxi Start (Normal Tariff)

$3.04 $3.04

$2.68 $2.68

13.43%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.58 $1.58

39.24%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$35.07 $35.07

17.85%

Gasoline (1 liter)

$1.13 $1.13

$0.85 $0.85

32.94%

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

$34.5K $34.5K

$32.3K $32.3K

6.52%

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

$25.8K $25.8K

$24.5K $24.5K

5.64%

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

$232 $232

$246 $246

-5.42%

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

$71.0 $71.0

$58.9 $58.9

20.53%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$70.7 $70.7

-4.26%

Gym Membership (Monthly)

$115 $115

$25.59 $25.59

350.84%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

$25.19 $25.19

204.92%

Cinema Ticket

$22.41 $22.41

$11.91 $11.91

88.16%

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

$3,606 $3,606

$1,009 $1,009

257.52%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$17.8K $17.8K

287.00%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$52.8 $52.8

50.21%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$43.00 $43.00

19.53%

Sport Shoes (Adidas, Nike)

$121 $121

$86.9 $86.9

39.40%

Men's Leather Business Shoes

$140 $140

$109 $109

28.66%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,544 $1,544

195.09%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,186 $1,186

156.33%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,750 $2,750

254.33%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,026 $2,026

163.16%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,098 $2,098

768.77%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$1,542 $1,542

333.66%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$4,102 $4,102

24.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.41

7.49%

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 Katy, TX: November 2, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Katy, TX

$1.2K 48.4% 61% $1.9K

Groceries & Markets

New York, NY

$567 11.6%

Katy, TX

$332 13.6% 41.4% $235

Eating Out

New York, NY

$425 8.7%

Katy, TX

$251 10.3% 40.9% $174

Monthly Utilities & Internet

New York, NY

$371 7.6%

Katy, TX

$375 15.3% 1.1% $4.2

Clothing & Footwear

New York, NY

$176 3.6%

Katy, TX

$131 5.4% 25.6% $45

Getting Around

New York, NY

$165 3.4%

Katy, TX

$125 5.1% 24.2% $40

Sport & Entertainment

New York, NY

$160 3.3%

Katy, TX

$49 2% 69.1% $111

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,544 in Katy, TX. 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 24% 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 $61 in Katy, TX. Monthly groceries follow the same trend: $567 vs $332 – making Katy, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Katy, TX

🕒 Local time

21:18 9:18 PM

20:18 8:18 PM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

14,102

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.888 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

New York, NY Katy, TX 2,300 km ≈ 3 h 15 min nonstop flight

From you

New York, NY
Katy, TX

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 Katy, TX: Cost of Living - Frequently Asked Questions

New York, NY costs about 100% more than Katy, TX, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,358 per month in New York, NY and $3,677 in Katy, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Katy, TX, especially for central apartments: a one-bedroom in the center costs $1,544 there versus $4,555 in New York, NY.

Groceries cost about 71% more in New York, NY, though the gap depends on what you buy.

A mid-range dinner for two costs $117 in New York, NY and $61 in Katy, TX. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $4,906 in New York, NY and $2,451 in Katy, TX. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Katy, TX – 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 Katy, TX. 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.