Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Los Gatos, CA

For one person, living costs are similar in New York, NY and in Los Gatos, CA: $4,906 and $4,787 a month, rent and utilities included.

234

Cost of Living Index in New York, NY
Learn more

New York, NY Living Index
232

Cost of Living Index in Los Gatos, CA
Learn more

Los Gatos, CA Living Index

Jump to prices

New York, NY

🇺🇸 United States

$4,906

/mo nomad

Los Gatos, CA

🇺🇸 United States

$4,787

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Los Gatos, CA

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 Los Gatos, CA actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $4,787 in Los Gatos, CA, rent included.

New York, NY $4,906
Los Gatos, CA $4,787

A couple spends around $7,273 per month in New York, NY vs $7,200 in Los Gatos, CA, rent included.

New York, NY $7,273
Los Gatos, CA $7,200

A family of three spends $9,641 per month in New York, NY vs $9,613 in Los Gatos, CA, rent included.

New York, NY $9,641
Los Gatos, CA $9,613

New York, NY and Los Gatos, CA have comparable living costs – the differences are in the details.

Both New York, NY and Los Gatos, CA sit above the global median – New York, NY by 263%, Los Gatos, CA by 254%.

Meal at Budget Restaurant

$26.93 $26.93

$25.47 $25.47

5.73%

Three-Course Dinner for Two, Mid-Range

$117 $117

$98.0 $98.0

19.14%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$15.24 $15.24

-4.20%

Cappuccino

$6.54 $6.54

$6.51 $6.51

0.46%

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

$3.86 $3.86

$2.92 $2.92

32.19%

Water (0.33 liter bottle)

$2.95 $2.95

$2.57 $2.57

14.79%

Local Beer (0.5 liter draught)

$8.08 $8.08

$7.90 $7.90

2.28%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$8.05 $8.05

22.36%

Milk (1 liter)

$1.31 $1.31

$1.28 $1.28

2.34%

White Bread (500g)

$4.97 $4.97

$4.20 $4.20

18.33%

Rice (white) (1kg)

$7.70 $7.70

$4.77 $4.77

61.43%

Eggs

$6.09 $6.09

$6.62 $6.62

-8.01%

Local Cheese (1kg)

$19.55 $19.55

$24.66 $24.66

-20.72%

Chicken Fillets (1kg)

$17.59 $17.59

$11.61 $11.61

51.51%

Beef Round Steak (1kg)

$20.26 $20.26

$13.16 $13.16

53.95%

Apples (1kg)

$6.99 $6.99

$5.35 $5.35

30.65%

Banana (1kg)

$2.21 $2.21

$3.17 $3.17

-30.28%

Oranges (1kg)

$6.72 $6.72

$4.91 $4.91

36.86%

Tomato (1kg)

$7.12 $7.12

$5.93 $5.93

20.07%

Potato (1kg)

$4.61 $4.61

$3.29 $3.29

40.12%

Onion (1kg)

$4.78 $4.78

$3.97 $3.97

20.40%

Lettuce (1 head)

$2.87 $2.87

$3.05 $3.05

-5.90%

Water (1.5 liter bottle)

$2.69 $2.69

$2.63 $2.63

2.28%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$11.98 $11.98

59.77%

Wine (Bottle)

$19.63 $19.63

$13.10 $13.10

49.85%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.13 $2.13

55.87%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.47 $2.47

69.64%

One-way Ticket (Public Transport)

$3.02 $3.02

Public Transport Monthly Pass (Regular Price)

$139 $139

Taxi Start (Normal Tariff)

$3.04 $3.04

$4.11 $4.11

-26.03%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.83 $1.83

20.22%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$35.36 $35.36

16.88%

Gasoline (1 liter)

$1.13 $1.13

$1.57 $1.57

-28.03%

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

$34.5K $34.5K

$27.9K $27.9K

23.30%

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

$25.8K $25.8K

$26.8K $26.8K

-3.66%

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

$232 $232

$371 $371

-37.30%

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

$71.0 $71.0

$58.7 $58.7

21.11%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$64.3 $64.3

5.29%

Gym Membership (Monthly)

$115 $115

$145 $145

-20.57%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$16.95 $16.95

32.21%

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

$3,606 $3,606

$2,150 $2,150

67.73%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$20.3K $20.3K

239.19%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$51.3 $51.3

54.45%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$39.25 $39.25

30.96%

Sport Shoes (Adidas, Nike)

$121 $121

$75.2 $75.2

60.95%

Men's Leather Business Shoes

$140 $140

$60.2 $60.2

133.19%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$3,504 $3,504

29.98%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$3,124 $3,124

-2.70%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$6,054 $6,054

-11.94%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$3,481 $3,481

423.56%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

Average Monthly Net Salary (After Tax)

$5,096 $5,096

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.69

2.99%

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 Los Gatos, CA: November 2, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Los Gatos, CA

$3.1K 65.3% 2.8% $84

Groceries & Markets

New York, NY

$567 11.6%

Los Gatos, CA

$470 9.8% 17.1% $97

Eating Out

New York, NY

$425 8.7%

Los Gatos, CA

$405 8.5% 4.7% $20

Monthly Utilities & Internet

New York, NY

$371 7.6%

Los Gatos, CA

$493 10.3% 33% $122

Clothing & Footwear

New York, NY

$176 3.6%

Los Gatos, CA

$102 2.1% 42.4% $75

Getting Around

New York, NY

$165 3.4%

Los Gatos, CA

$13 * 0.3% 92% $152

Sport & Entertainment

New York, NY

$160 3.3%

Los Gatos, CA

$179 3.7% 11.8% $19

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

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $3,504 in Los Gatos, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $117 in New York, NY versus $98 in Los Gatos, CA. Monthly groceries follow the same trend: $567 vs $470 – making Los Gatos, CA the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Los Gatos, CA

🕒 Local time

14:11 2:11 PM

11:11 11:11 AM

3 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

30,222

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.892 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

New York, NY Los Gatos, CA 4,100 km ≈ 6 h nonstop flight

From you

New York, NY
Los Gatos, CA

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 Los Gatos, CA: Cost of Living - Frequently Asked Questions

For a comfortable life, plan on about $7,358 per month in New York, NY and $7,181 in Los Gatos, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Los Gatos, CA, especially for central apartments: a one-bedroom in the center costs $3,504 there versus $4,555 in New York, NY.

Groceries cost about 21% 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 $98 in Los Gatos, CA. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$3,000 is a stretch for both – monthly costs hit $4,906 in New York, NY and $4,787 in Los Gatos, CA. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Los Gatos, CA – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.