Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Kelowna

For one person, living is cheaper in Kelowna: $2,351 a month against $5,142 in New York, NY, rent and utilities included – about $33,500 less a year. Rent and utilities account for most of the difference.

245

Cost of Living Index in New York, NY
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New York, NY Living Index
113

Cost of Living Index in Kelowna
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Kelowna Living Index

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New York, NY

🇺🇸 United States

$5,142

/mo nomad

Kelowna

🇨🇦 Canada

$2,351

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $5,142 in New York, NY versus $2,351 in Kelowna.

New York, NY $5,142
Kelowna $2,351

Estimated couple costs with rent: $7,455 in New York, NY versus $3,444 in Kelowna.

New York, NY $7,455
Kelowna $3,444

Monthly costs for a family of three with rent: $9,767 in New York, NY versus $4,536 in Kelowna.

New York, NY $9,767
Kelowna $4,536

Living in New York, NY is roughly 119% more expensive than in Kelowna, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: New York, NY 284% above, Kelowna 75% above.

Meal at Budget Restaurant

$26.46 $26.46

$16.53 CA$23.56

60.07%

Three-Course Dinner for Two, Mid-Range

$119 $119

$58.2 CA$82.9

104.07%

Fast Food Meal (McDonalds, etc)

$14.43 $14.43

$11.36 CA$16.19

27.02%

Cappuccino

$6.55 $6.55

$3.91 CA$5.57

67.52%

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

$3.84 $3.84

$1.97 CA$2.80

94.92%

Water (0.33 liter bottle)

$3.00 $3.00

$1.70 CA$2.42

76.47%

Local Beer (0.5 liter draught)

$8.27 $8.27

$4.52 CA$6.44

82.96%

Imported Beer (0.33 liter bottle)

$10.05 $10.05

$5.64 CA$8.04

78.19%

Milk (1 liter)

$1.31 $1.31

$1.98 CA$2.82

-33.84%

White Bread (500g)

$4.90 $4.90

$2.74 CA$3.90

78.83%

Rice (white) (1kg)

$7.16 $7.16

$3.52 CA$5.02

103.41%

Eggs

$5.92 $5.92

$3.14 CA$4.47

88.54%

Local Cheese (1kg)

$19.06 $19.06

$9.04 CA$12.89

110.84%

Chicken Fillets (1kg)

$17.38 $17.38

$13.07 CA$18.63

32.98%

Beef Round Steak (1kg)

$18.94 $18.94

$21.06 CA$30.03

-10.07%

Apples (1kg)

$6.96 $6.96

$3.34 CA$4.76

108.38%

Banana (1kg)

$2.08 $2.08

$1.54 CA$2.20

35.06%

Oranges (1kg)

$6.10 $6.10

$3.38 CA$4.82

80.47%

Tomato (1kg)

$6.95 $6.95

$4.76 CA$6.78

46.01%

Potato (1kg)

$3.98 $3.98

$3.04 CA$4.33

30.92%

Onion (1kg)

$4.44 $4.44

$3.11 CA$4.44

42.77%

Lettuce (1 head)

$2.81 $2.81

$2.51 CA$3.58

11.95%

Water (1.5 liter bottle)

$2.51 $2.51

$1.87 CA$2.66

34.22%

Cigarettes 20 Pack (Marlboro, Camel)

$19.27 $19.27

$14.00 CA$19.96

37.64%

Wine (Bottle)

$19.67 $19.67

$13.39 CA$19.08

46.90%

Local Beer (0.5 liter bottle)

$3.08 $3.08

$2.58 CA$3.68

19.38%

Imported Beer (0.33 liter bottle)

$3.68 $3.68

$3.10 CA$4.42

18.71%

One-way Ticket (Public Transport)

$3.02 $3.02

$1.72 CA$2.46

75.58%

Public Transport Monthly Pass (Regular Price)

$140 $140

$48.15 CA$68.6

189.76%

Taxi Start (Normal Tariff)

$3.07 $3.07

$2.79 CA$3.98

10.04%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$1.71 CA$2.43

24.56%

Taxi 1hour Waiting (Normal Tariff)

$41.21 $41.21

$33.36 CA$47.55

23.53%

Gasoline (1 liter)

$1.11 $1.11

$1.27 CA$1.82

-12.60%

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

$35.0K $35.0K

$28.0K CA$39.9K

24.90%

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

$25.4K $25.4K

$17.9K CA$25.5K

42.04%

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

$217 $217

$127 CA$181

71.21%

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

$74.0 $74.0

$44.36 CA$63.2

66.86%

Internet (50+ Mbps, Unlimited Data)

$72.5 $72.5

$55.9 CA$79.7

29.66%

Gym Membership (Monthly)

$120 $120

$55.1 CA$78.5

118.76%

Tennis Court (1 Hour on Weekend)

$66.9 $66.9

$30.27 CA$43.14

120.98%

Cinema Ticket

$22.32 $22.32

$11.71 CA$16.69

90.61%

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

$3,425 $3,425

$1,006 CA$1,433

240.57%

International Primary School, 1 Child (Yearly)

$61.2K $61.2K

$15.9K CA$22.7K

283.53%

Jeans (Levis 501 Or Similar)

$76.3 $76.3

$47.17 CA$67.2

61.76%

Summer Dress (H&M, Zara, etc)

$55.5 $55.5

$40.66 CA$58.0

36.37%

Sport Shoes (Adidas, Nike)

$119 $119

$83.3 CA$119

43.17%

Men's Leather Business Shoes

$131 $131

$96.8 CA$138

34.95%

1-bedroom Apartment, City Center (Monthly)

$4,506 $4,506

$1,353 CA$1,929

233.03%

1-bedroom Apartment, Outside City Center (Monthly)

$3,155 $3,155

$1,197 CA$1,707

163.50%

3-bedroom Apartment, City Center (Monthly)

$8,817 $8,817

$2,267 CA$3,232

288.88%

3-bedroom Apartment, Outside City Center (Monthly)

$5,532 $5,532

$1,924 CA$2,742

187.57%

Buy Apartment in City Center (m2)

$19.4K $19.4K

$3,893 CA$5,549

397.94%

Buy Apartment Outside City Center (m2)

$6,754 $6,754

$3,207 CA$4,571

110.61%

Average Monthly Net Salary (After Tax)

$5,290 $5,290

$3,012 CA$4,294

75.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

4.69

45.42%

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

Last update for New York, NY: October 3, 2026

Last update for Kelowna: October 6, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.2K 63.2%

Kelowna

$1.2K 51.2% 62% $2K

Groceries & Markets

New York, NY

$546 11%

Kelowna

$386 16.5% 29.2% $160

Eating Out

New York, NY

$422 8.5%

Kelowna

$262 11.2% 38% $161

Monthly Utilities & Internet

New York, NY

$364 7.3%

Kelowna

$227 9.7% 37.6% $137

Clothing & Footwear

New York, NY

$172 3.4%

Kelowna

$121 5.2% 29.8% $51

Getting Around

New York, NY

$165 3.3%

Kelowna

$66 2.8% 59.9% $99

Sport & Entertainment

New York, NY

$165 3.3%

Kelowna

$78 3.4% 52.5% $87

Cost Breakdown

A one-bedroom apartment in the center runs $4,506 in New York, NY and $1,353 in Kelowna. Housing cost is often the main lever when comparing two cities.

New York, NY pays 76% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $119 in New York, NY vs $58.0 in Kelowna for a mid-range dinner for two. Groceries echo the gap at $546 vs $386 per month, with Kelowna cheaper across the board.

Good to know

🇺🇸 New York, NY

🇨🇦 Kelowna

🕒 Local time

05:49 5:49 AM

02:49 2:49 AM

3 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

144,576

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

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Between locations

New York, NY Kelowna 3,630 km ≈ 5 h nonstop flight

From you

New York, NY
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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 Kelowna: Cost of Living - Frequently Asked Questions

New York, NY and Kelowna differ by about 119% in total monthly costs ($5,142 vs $2,351 including rent). Kelowna is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 76% higher in New York, NY, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $4,506 in New York, NY versus $1,353 in Kelowna. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $5,142 per month in New York, NY versus $2,351 in Kelowna – a 119% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Kelowna runs roughly 190% less than in New York, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,351 in Kelowna versus $5,142 in New York, NY, a $3,000 budget is realistic in Kelowna but tight or insufficient in New York, NY. The gap between the two cities makes Kelowna the clear choice for anyone on this budget.

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 Kelowna 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 Kelowna gentler on the wallet – expenses run 119% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.