Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Lynn, MA

For one person, living is cheaper in Lynn, MA: $3,210 a month against $4,906 in New York, NY, rent and utilities included – about $20,400 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
155

Cost of Living Index in Lynn, MA
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Lynn, MA Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Lynn, MA

🇺🇸 United States

$3,210

/mo nomad

Monthly Cost of Living

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

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

A single person spends $4,906 per month in New York, NY vs $3,210 in Lynn, MA, rent included.

New York, NY $4,906
Lynn, MA $3,210

A couple spends around $7,273 per month in New York, NY vs $4,604 in Lynn, MA, rent included.

New York, NY $7,273
Lynn, MA $4,604

A family of three spends $9,641 per month in New York, NY vs $5,999 in Lynn, MA, rent included.

New York, NY $9,641
Lynn, MA $5,999

New York, NY costs about 53% more than Lynn, MA, and outside of rent the biggest gap is in groceries.

Both New York, NY and Lynn, MA sit above the global median – New York, NY by 263%, Lynn, MA by 137%.

Meal at Budget Restaurant

$26.93 $26.93

$19.63 $19.63

37.19%

Three-Course Dinner for Two, Mid-Range

$117 $117

$99.9 $99.9

16.90%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$14.79 $14.79

-1.28%

Cappuccino

$6.54 $6.54

$5.14 $5.14

27.24%

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

$3.86 $3.86

$2.93 $2.93

31.74%

Water (0.33 liter bottle)

$2.95 $2.95

$2.29 $2.29

28.82%

Local Beer (0.5 liter draught)

$8.08 $8.08

$7.84 $7.84

3.06%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$8.19 $8.19

20.27%

Milk (1 liter)

$1.31 $1.31

$1.17 $1.17

11.97%

White Bread (500g)

$4.97 $4.97

$4.37 $4.37

13.73%

Rice (white) (1kg)

$7.70 $7.70

$5.35 $5.35

43.93%

Eggs

$6.09 $6.09

$5.47 $5.47

11.33%

Local Cheese (1kg)

$19.55 $19.55

$13.24 $13.24

47.66%

Chicken Fillets (1kg)

$17.59 $17.59

$14.12 $14.12

24.58%

Beef Round Steak (1kg)

$20.26 $20.26

$17.58 $17.58

15.24%

Apples (1kg)

$6.99 $6.99

$6.59 $6.59

6.07%

Banana (1kg)

$2.21 $2.21

$2.09 $2.09

5.74%

Oranges (1kg)

$6.72 $6.72

$5.41 $5.41

24.21%

Tomato (1kg)

$7.12 $7.12

$5.55 $5.55

28.29%

Potato (1kg)

$4.61 $4.61

$2.57 $2.57

79.38%

Onion (1kg)

$4.78 $4.78

$2.56 $2.56

86.72%

Lettuce (1 head)

$2.87 $2.87

$2.26 $2.26

26.99%

Water (1.5 liter bottle)

$2.69 $2.69

$2.84 $2.84

-5.28%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$13.19 $13.19

45.11%

Wine (Bottle)

$19.63 $19.63

$13.86 $13.86

41.63%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.08 $2.08

59.62%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$3.81 $3.81

9.97%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.01 $2.01

50.25%

Public Transport Monthly Pass (Regular Price)

$139 $139

$59.1 $59.1

135.95%

Taxi Start (Normal Tariff)

$3.04 $3.04

$4.04 $4.04

-24.75%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.44 $2.44

-9.84%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$27.47 $27.47

50.46%

Gasoline (1 liter)

$1.13 $1.13

$1.07 $1.07

5.61%

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

$34.5K $34.5K

$30.5K $30.5K

13.01%

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

$25.8K $25.8K

$26.8K $26.8K

-3.44%

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

$232 $232

$313 $313

-25.75%

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

$71.0 $71.0

$101 $101

-29.94%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$85.0 $85.0

-20.42%

Gym Membership (Monthly)

$115 $115

$40.14 $40.14

187.42%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$16.20 $16.20

38.33%

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

$3,606 $3,606

$1,814 $1,814

98.82%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$43.5K $43.5K

58.06%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$75.3 $75.3

5.25%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$50.3 $50.3

2.17%

Sport Shoes (Adidas, Nike)

$121 $121

$112 $112

7.81%

Men's Leather Business Shoes

$140 $140

$154 $154

-8.65%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$2,125 $2,125

114.37%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,580 $1,580

92.36%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$3,342 $3,342

191.53%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,459 $2,459

116.76%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,788 $2,788

553.64%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,360 $2,360

183.29%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$3,660 $3,660

39.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.64

3.77%

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 Lynn, MA: October 31, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Lynn, MA

$1.6K 49.2% 48% $1.5K

Groceries & Markets

New York, NY

$567 11.6%

Lynn, MA

$458 14.3% 19.2% $109

Eating Out

New York, NY

$425 8.7%

Lynn, MA

$340 10.6% 20.1% $86

Monthly Utilities & Internet

New York, NY

$371 7.6%

Lynn, MA

$499 15.6% 34.6% $128

Clothing & Footwear

New York, NY

$176 3.6%

Lynn, MA

$176 5.5% 0.1% $0.2

Getting Around

New York, NY

$165 3.4%

Lynn, MA

$83 2.6% 49.6% $82

Sport & Entertainment

New York, NY

$160 3.3%

Lynn, MA

$73 2.3% 54.7% $88

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $2,125 in Lynn, MA. 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 39% 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 $100 in Lynn, MA. Monthly groceries follow the same trend: $567 vs $458 – making Lynn, MA the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Lynn, MA

🕒 Local time

15:37 3:37 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

90,329

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.895 EUR

Exchange rates and currency converter

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New York, NY Lynn, MA 340 km

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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 Lynn, MA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,906 in New York, NY, $3,210 in Lynn, MA – Lynn, MA comes out roughly 35% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $7,358 per month in New York, NY and $4,815 in Lynn, MA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Lynn, MA, especially for central apartments: a one-bedroom in the center costs $2,125 there versus $4,555 in New York, NY.

Public transport costs about 58% less in Lynn, MA. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $3,606 per month in New York, NY and $1,814 in Lynn, MA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$3,000 is a stretch for both – monthly costs hit $4,906 in New York, NY and $3,210 in Lynn, MA. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Lynn, MA – 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 Lynn, MA. 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.