Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Masaya

For one person, living is cheaper in Masaya: $817 a month against $4,906 in New York, NY, rent and utilities included – about $49,100 less a year. Rent and utilities account for most of the difference.

234

Cost of Living Index in New York, NY
Learn more

New York, NY Living Index
39

Cost of Living Index in Masaya
Learn more

Masaya Living Index

Jump to prices

New York, NY

🇺🇸 United States

$4,906

/mo nomad

Masaya

🇳🇮 Nicaragua

$817

/mo nomad

Monthly Cost of Living

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

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

A single person spends $4,906 per month in New York, NY vs $817 in Masaya, rent included.

New York, NY $4,906
Masaya $817

A couple spends around $7,273 per month in New York, NY vs $1,279 in Masaya, rent included.

New York, NY $7,273
Masaya $1,279

A family of three spends $9,641 per month in New York, NY vs $1,741 in Masaya, rent included.

New York, NY $9,641
Masaya $1,741

New York, NY costs about 500% more than Masaya, and outside of rent the biggest gap is in groceries.

New York, NY sits 263% above the global median, while Masaya is 40% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$26.93 $26.93

$9.83 NIO 360

173.96%

Three-Course Dinner for Two, Mid-Range

$117 $117

$35.52 NIO 1,301

228.80%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$7.71 NIO 282

89.36%

Cappuccino

$6.54 $6.54

$2.63 NIO 96.4

148.67%

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

$3.86 $3.86

$0.90 NIO 32.83

328.89%

Water (0.33 liter bottle)

$2.95 $2.95

$0.74 NIO 27.23

298.65%

Local Beer (0.5 liter draught)

$8.08 $8.08

$1.49 NIO 54.6

442.28%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$2.27 NIO 83.0

333.92%

Milk (1 liter)

$1.31 $1.31

$1.23 NIO 44.90

6.50%

White Bread (500g)

$4.97 $4.97

$2.34 NIO 85.6

112.39%

Rice (white) (1kg)

$7.70 $7.70

$1.86 NIO 68.2

313.98%

Eggs

$6.09 $6.09

$2.35 NIO 86.1

159.15%

Local Cheese (1kg)

$19.55 $19.55

$11.48 NIO 421

70.30%

Chicken Fillets (1kg)

$17.59 $17.59

$6.22 NIO 228

182.80%

Beef Round Steak (1kg)

$20.26 $20.26

$7.92 NIO 290

155.81%

Apples (1kg)

$6.99 $6.99

$4.10 NIO 150

70.49%

Banana (1kg)

$2.21 $2.21

$0.59 NIO 21.43

274.58%

Oranges (1kg)

$6.72 $6.72

$1.82 NIO 66.5

269.23%

Tomato (1kg)

$7.12 $7.12

$2.39 NIO 87.6

197.91%

Potato (1kg)

$4.61 $4.61

$3.92 NIO 143

17.60%

Onion (1kg)

$4.78 $4.78

$2.19 NIO 80.3

118.26%

Lettuce (1 head)

$2.87 $2.87

$1.05 NIO 38.64

173.33%

Water (1.5 liter bottle)

$2.69 $2.69

$1.00 NIO 36.71

169.00%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$2.79 NIO 102

586.02%

Wine (Bottle)

$19.63 $19.63

$14.84 NIO 544

32.28%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.44 NIO 52.6

130.56%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.28 NIO 83.3

83.77%

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

$1.67 NIO 61.3

82.04%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.59 NIO 58.2

38.36%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$6.96 NIO 255

493.82%

Gasoline (1 liter)

$1.13 $1.13

$1.29 NIO 47.34

-12.40%

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

$34.5K $34.5K

$23.2K NIO 850.6K

48.35%

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

$25.8K $25.8K

$26.8K NIO 979.9K

-3.38%

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

$232 $232

$151 NIO 5,535

53.74%

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

$71.0 $71.0

$19.52 NIO 715

263.88%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$32.79 NIO 1,201

106.31%

Gym Membership (Monthly)

$115 $115

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$9.13 NIO 334

145.45%

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

$3,606 $3,606

$239 NIO 8,762

1407.10%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$11.9K NIO 435.1K

478.24%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$59.1 NIO 2,163

34.19%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$64.0 NIO 2,344

-19.67%

Sport Shoes (Adidas, Nike)

$121 $121

$124 NIO 4,534

-2.18%

Men's Leather Business Shoes

$140 $140

$143 NIO 5,220

-1.45%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

Buy Apartment in City Center (m2)

$18.2K $18.2K

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

11.92

-42.20%

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 Masaya: November 3, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Masaya

- * 0% 100%

Groceries & Markets

New York, NY

$567 11.6%

Masaya

$259 31.7% 54.4% $308

Eating Out

New York, NY

$425 8.7%

Masaya

$152 18.6% 64.3% $273

Monthly Utilities & Internet

New York, NY

$371 7.6%

Masaya

$203 24.9% 45.2% $168

Clothing & Footwear

New York, NY

$176 3.6%

Masaya

$175 21.4% 0.7% $1.3

Getting Around

New York, NY

$165 3.4%

Masaya

$9.6 * 1.2% 94.2% $156

Sport & Entertainment

New York, NY

$160 3.3%

Masaya

$18 * 2.2% 88.6% $142

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

Cost Breakdown

A mid-range dinner for two costs $117 in New York, NY versus $36 in Masaya. Monthly groceries follow the same trend: $567 vs $259 – making Masaya the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇳🇮 Masaya

🕒 Local time

17:13 5:13 PM

16:13 4:13 PM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

178,835

💱 Currency

United States Dollar USD $

Nicaraguan Córdoba NIO C$

📈 Exchange rate

1 USD = 0.895 EUR

100 NIO = 2.73 USD

100 NIO = 2.44 EUR

Exchange rates and currency converter

NIO, EUR to USD – United States Dollar Converter

🇳🇮 Nicaraguan Córdoba (C$)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 6, 2026: 1 EUR = 1.12 USD (1 USD = 0.895 EUR).

Nicaraguan Córdoba exchange rates as of November 6, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 40.93 NIO (100 NIO = 2.44 EUR).

NIO to USD in detail →

On the map

Lowest

Highest

Between locations

New York, NY Masaya 3,390 km ≈ 4 h 45 min nonstop flight

From you

New York, NY
Masaya

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 Masaya: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 500%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $7,358 per month in New York, NY and $1,226 in Masaya. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $117 in New York, NY and $36 in Masaya. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 119% more in New York, NY, though the gap depends on what you buy.

A $1,000 monthly budget goes further in Masaya, where all-in costs run around $817, than in New York, NY at $4,906. In Masaya it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $817 in Masaya to $4,906 in New York, NY. Climate, culture, job market, and personal taste all factor in.