Last update: Oct 2026

Cost of Living Comparison Between New York, NY and London, KY

For one person, living is cheaper in London, KY: $2,351 a month against $4,938 in New York, NY, rent and utilities included – about $31,000 less a year. Rent and utilities account for most of the difference.

239

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

Cost of Living Index in London, KY
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London, KY Living Index

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New York, NY

🇺🇸 United States

$4,938

/mo nomad

London, KY

🇺🇸 United States

$2,351

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $4,938 in New York, NY versus $2,351 in London, KY.

New York, NY $4,938
London, KY $2,351

Estimated couple costs with rent: $7,273 in New York, NY versus $3,361 in London, KY.

New York, NY $7,273
London, KY $3,361

Monthly costs for a family of three with rent: $9,608 in New York, NY versus $4,372 in London, KY.

New York, NY $9,608
London, KY $4,372

Living in New York, NY is roughly 110% more expensive than in London, KY, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: New York, NY 264% above, London, KY 73% above.

Meal at Budget Restaurant

$24.99 $24.99

$15.06 $15.06

65.94%

Three-Course Dinner for Two, Mid-Range

$120 $120

$50.6 $50.6

137.64%

Fast Food Meal (McDonalds, etc)

$13.74 $13.74

$9.93 $9.93

38.37%

Cappuccino

$6.60 $6.60

$5.03 $5.03

31.21%

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

$3.82 $3.82

$2.01 $2.01

90.05%

Water (0.33 liter bottle)

$2.87 $2.87

$1.66 $1.66

72.89%

Local Beer (0.5 liter draught)

$7.95 $7.95

$5.65 $5.65

40.71%

Imported Beer (0.33 liter bottle)

$10.06 $10.06

$5.03 $5.03

100.00%

Milk (1 liter)

$1.37 $1.37

$0.80 $0.80

71.25%

White Bread (500g)

$4.75 $4.75

$2.60 $2.60

82.69%

Rice (white) (1kg)

$7.69 $7.69

$4.12 $4.12

86.65%

Eggs

$5.87 $5.87

$3.04 $3.04

93.09%

Local Cheese (1kg)

$19.25 $19.25

$12.56 $12.56

53.26%

Chicken Fillets (1kg)

$17.83 $17.83

$7.00 $7.00

154.71%

Beef Round Steak (1kg)

$19.03 $19.03

$16.16 $16.16

17.76%

Apples (1kg)

$6.69 $6.69

$3.01 $3.01

122.26%

Banana (1kg)

$2.29 $2.29

$1.39 $1.39

64.75%

Oranges (1kg)

$6.41 $6.41

$1.99 $1.99

222.11%

Tomato (1kg)

$6.75 $6.75

$2.20 $2.20

206.82%

Potato (1kg)

$3.93 $3.93

$2.00 $2.00

96.50%

Onion (1kg)

$4.52 $4.52

$1.74 $1.74

159.77%

Lettuce (1 head)

$2.79 $2.79

$1.38 $1.38

102.17%

Water (1.5 liter bottle)

$2.51 $2.51

$1.93 $1.93

30.05%

Cigarettes 20 Pack (Marlboro, Camel)

$18.10 $18.10

$10.11 $10.11

79.03%

Wine (Bottle)

$20.16 $20.16

$14.74 $14.74

36.77%

Local Beer (0.5 liter bottle)

$3.26 $3.26

$2.09 $2.09

55.98%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$2.93 $2.93

27.99%

One-way Ticket (Public Transport)

$2.92 $2.92

$2.18 $2.18

33.94%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$3.06 $3.06

$3.66 $3.66

-16.39%

Taxi (Normal Tariff) (1km)

$2.16 $2.16

$1.26 $1.26

71.43%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$25.12 $25.12

64.53%

Gasoline (1 liter)

$1.12 $1.12

$0.96 $0.96

16.67%

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

$33.1K $33.1K

$35.8K $35.8K

-7.56%

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

$25.7K $25.7K

$26.2K $26.2K

-1.80%

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

$219 $219

$149 $149

47.02%

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

$75.3 $75.3

$78.2 $78.2

-3.61%

Internet (50+ Mbps, Unlimited Data)

$70.5 $70.5

$73.4 $73.4

-3.91%

Gym Membership (Monthly)

$116 $116

$37.90 $37.90

204.75%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$21.37 $21.37

$14.93 $14.93

43.13%

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

$3,432 $3,432

$446 $446

669.80%

International Primary School, 1 Child (Yearly)

$61.7K $61.7K

$19.3K $19.3K

219.91%

Jeans (Levis 501 Or Similar)

$74.9 $74.9

$30.22 $30.22

147.78%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$22.41 $22.41

132.66%

Sport Shoes (Adidas, Nike)

$117 $117

$74.2 $74.2

57.24%

Men's Leather Business Shoes

$135 $135

$59.2 $59.2

127.39%

1-bedroom Apartment, City Center (Monthly)

$4,347 $4,347

$576 $576

654.12%

1-bedroom Apartment, Outside City Center (Monthly)

$3,117 $3,117

$1,306 $1,306

138.61%

3-bedroom Apartment, City Center (Monthly)

$9,110 $9,110

$838 $838

987.19%

3-bedroom Apartment, Outside City Center (Monthly)

$5,379 $5,379

$2,150 $2,150

150.16%

Buy Apartment in City Center (m2)

$19.3K $19.3K

$2,449 $2,449

687.36%

Buy Apartment Outside City Center (m2)

$6,943 $6,943

$2,039 $2,039

240.55%

Average Monthly Net Salary (After Tax)

$5,238 $5,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.85

6.2

10.48%

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

Last update for New York, NY: October 17, 2026

Last update for London, KY: October 17, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 63.1%

London, KY

$1.3K 55.6% 58.1% $1.8K

Groceries & Markets

New York, NY

$552 11.2%

London, KY

$310 13.2% 43.9% $242

Eating Out

New York, NY

$407 8.2%

London, KY

$264 11.2% 35.2% $143

Monthly Utilities & Internet

New York, NY

$365 7.4%

London, KY

$301 12.8% 17.7% $64

Clothing & Footwear

New York, NY

$170 3.5%

London, KY

$84 3.6% 50.8% $87

Getting Around

New York, NY

$168 3.4%

London, KY

$19 * 0.8% 88.9% $150

Sport & Entertainment

New York, NY

$158 3.2%

London, KY

$68 2.9% 57.2% $90

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $4,347 in New York, NY and $576 in London, KY. Housing cost is often the main lever when comparing two cities.

Dining out: $120 in New York, NY vs $51.0 in London, KY for a mid-range dinner for two. Groceries echo the gap at $552 vs $310 per month, with London, KY cheaper across the board.

Good to know

🇺🇸 New York, NY

🇺🇸 London, KY

🕒 Local time

04:11 4:11 AM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

8,000

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

New York, NY London, KY 940 km ≈ 1 h 45 min nonstop flight

From you

New York, NY
London, KY

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 London, KY: Cost of Living - Frequently Asked Questions

London, KY wins on cost – living expenses run 110% lower than in New York, NY. Housing and daily spending are where you'll feel the difference most, making London, KY the obvious pick if budget is a priority.

You'd need roughly $7,407 in New York, NY and $3,526 in London, KY to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $4,347 in New York, NY versus $576 in London, KY. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,432 in New York, NY versus $446 in London, KY. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in London, KY – a meal for two runs $51.0 versus $120 in New York, NY. If you eat out regularly, this makes a real dent in your monthly spending.

At $2,351 in London, KY versus $4,938 in New York, NY, a $2,000 budget is realistic in London, KY but tight or insufficient in New York, NY. The gap between the two cities makes London, KY the clear choice for anyone on this budget.

Both work as nomad bases, but London, KY delivers better value – similar infrastructure at $2,351 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes London, KY hard to pass up.

Expats usually find London, KY gentler on the wallet – expenses run 110% less than in New York, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.