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

Monthly Cost of Living

A single person spends $4,438 per month in New York, NY vs $2,923 in Lynn, MA, rent included.

A couple spends around $7,016 per month in New York, NY vs $4,271 in Lynn, MA, rent included.

A family of three spends $9,593 per month in New York, NY vs $5,619 in Lynn, MA, rent included.

New York, NY costs about 52% more than Lynn, MA, driven mainly by Eating Out.

Both New York, NY and Lynn, MA sit above the global median – New York, NY by 231%, Lynn, MA by 118%.

Meal at Budget Restaurant

$29.91 $29.91

$19.11 $19.11

56.51%

Three-Course Dinner for Two, Mid-Range

$144 $144

$98.1 $98.1

46.69%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$11.23 $11.23

9.71%

Cappuccino

$6.03 $6.03

$4.38 $4.38

37.67%

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

$3.39 $3.39

$2.83 $2.83

19.79%

Water (0.33 liter bottle)

$2.56 $2.56

$2.10 $2.10

21.90%

Local Beer (0.5 liter draught)

$8.20 $8.20

$6.09 $6.09

34.65%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$7.47 $7.47

59.97%

Milk (1 liter)

$1.54 $1.54

$1.28 $1.28

20.31%

White Bread (500g)

$5.15 $5.15

$4.28 $4.28

20.33%

Rice (white) (1kg)

$8.43 $8.43

$4.34 $4.34

94.24%

Eggs

$6.97 $6.97

$5.42 $5.42

28.60%

Local Cheese (1kg)

$17.28 $17.28

$10.89 $10.89

58.68%

Chicken Fillets (1kg)

$16.24 $16.24

$9.36 $9.36

73.50%

Beef Round Steak (1kg)

$19.95 $19.95

$20.68 $20.68

-3.53%

Apples (1kg)

$7.45 $7.45

$5.90 $5.90

26.27%

Banana (1kg)

$2.42 $2.42

$2.08 $2.08

16.35%

Oranges (1kg)

$5.87 $5.87

$5.77 $5.77

1.73%

Tomato (1kg)

$6.31 $6.31

$5.94 $5.94

6.23%

Potato (1kg)

$3.72 $3.72

$4.36 $4.36

-14.68%

Onion (1kg)

$3.99 $3.99

$2.88 $2.88

38.54%

Lettuce (1 head)

$3.19 $3.19

$2.72 $2.72

17.28%

Water (1.5 liter bottle)

$2.55 $2.55

$2.05 $2.05

24.39%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$11.78 $11.78

62.05%

Wine (Bottle)

$20.24 $20.24

$14.90 $14.90

35.84%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$2.10 $2.10

42.38%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$1.99 $1.99

94.47%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.99 $1.99

48.24%

Public Transport Monthly Pass (Regular Price)

$131 $131

$102 $102

28.70%

Taxi Start (Normal Tariff)

$5.13 $5.13

$2.67 $2.67

92.13%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.72 $1.72

27.91%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$27.58 $27.58

54.60%

Gasoline (1 liter)

$0.95 $0.95

$0.89 $0.89

6.74%

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

$34.5K $34.5K

$29.9K $29.9K

15.36%

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

$28.2K $28.2K

$25.1K $25.1K

12.33%

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

$182 $182

$314 $314

-42.00%

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

$60.1 $60.1

$57.2 $57.2

4.98%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$65.9 $65.9

-5.95%

Gym Membership (Monthly)

$140 $140

$43.55 $43.55

221.52%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$15.22 $15.22

33.57%

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

$3,222 $3,222

$1,529 $1,529

110.78%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$27.2K $27.2K

106.81%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$66.9 $66.9

-1.45%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$44.14 $44.14

6.93%

Sport Shoes (Adidas, Nike)

$111 $111

$101 $101

9.90%

Men's Leather Business Shoes

$173 $173

$146 $146

18.78%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$1,572 $1,572

167.63%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,343 $1,343

97.13%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$2,602 $2,602

223.40%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$2,193 $2,193

135.75%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,658 $2,658

655.98%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,363 $2,363

270.00%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.43

0.16%

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

Last update for New York, NY: April 20, 2026

Last update for Lynn, MA: April 21, 2026

Cost Breakdown

A central one-bedroom costs $4,208 in New York, NY versus $1,572 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.

A mid-range dinner for two costs $144 in New York, NY versus $98 in Lynn, MA. Monthly groceries follow the same trend: $554 vs $429 – making Lynn, MA the more affordable choice for daily food spending.

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: $4,438 in New York, NY, $2,923 in Lynn, MA – roughly 52% apart. New York, NY costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $6,657 per month in New York, NY and $4,385 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 29% less in Lynn, MA. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $3,222 per month in New York, NY and $1,529 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 $4,438 in New York, NY and $2,923 in Lynn, MA. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $2,923 in Lynn, MA to $4,438 in New York, NY. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Lynn, MA. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.