Cost of Living Comparison Between New York, NY and Montclair, NJ Cost of Living Comparison Between New York, NY and Montclair, NJ

Monthly Cost of Living

A single person spends $4,503 per month in New York, NY vs $2,816 in Montclair, NJ, rent included.

A couple spends around $7,077 per month in New York, NY vs $4,285 in Montclair, NJ, rent included.

A family of three spends $9,650 per month in New York, NY vs $5,753 in Montclair, NJ, rent included.

New York, NY costs about 60% more than Montclair, NJ, driven mainly by Getting Around.

Both New York, NY and Montclair, NJ sit above the global median – New York, NY by 236%, Montclair, NJ by 110%.

Meal at Budget Restaurant

$30.28 $30.28

$17.45 $17.45

73.52%

Three-Course Dinner for Two, Mid-Range

$142 $142

$101 $101

40.49%

Fast Food Meal (McDonalds, etc)

$12.65 $12.65

$11.88 $11.88

6.48%

Cappuccino

$5.81 $5.81

$5.80 $5.80

0.17%

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

$3.26 $3.26

$3.06 $3.06

6.54%

Water (0.33 liter bottle)

$2.58 $2.58

$1.60 $1.60

61.25%

Local Beer (0.5 liter draught)

$8.19 $8.19

$7.99 $7.99

2.50%

Imported Beer (0.33 liter bottle)

$11.82 $11.82

$11.95 $11.95

-1.09%

Milk (1 liter)

$1.53 $1.53

$1.26 $1.26

21.43%

White Bread (500g)

$5.27 $5.27

$4.13 $4.13

27.60%

Rice (white) (1kg)

$8.34 $8.34

$5.49 $5.49

51.91%

Eggs

$7.25 $7.25

$6.47 $6.47

12.06%

Local Cheese (1kg)

$17.29 $17.29

$14.18 $14.18

21.93%

Chicken Fillets (1kg)

$16.21 $16.21

$10.11 $10.11

60.34%

Beef Round Steak (1kg)

$19.82 $19.82

$19.86 $19.86

-0.20%

Apples (1kg)

$7.57 $7.57

$5.89 $5.89

28.52%

Banana (1kg)

$2.42 $2.42

$2.54 $2.54

-4.72%

Oranges (1kg)

$5.83 $5.83

$4.23 $4.23

37.83%

Tomato (1kg)

$6.39 $6.39

$4.32 $4.32

47.92%

Potato (1kg)

$3.87 $3.87

$3.13 $3.13

23.64%

Onion (1kg)

$4.06 $4.06

$2.54 $2.54

59.84%

Lettuce (1 head)

$3.12 $3.12

$2.87 $2.87

8.71%

Water (1.5 liter bottle)

$2.45 $2.45

$2.48 $2.48

-1.21%

Cigarettes 20 Pack (Marlboro, Camel)

$19.26 $19.26

$17.16 $17.16

12.24%

Wine (Bottle)

$19.96 $19.96

$15.08 $15.08

32.36%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$1.85 $1.85

61.62%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$3.84 $3.84

-2.86%

One-way Ticket (Public Transport)

$2.84 $2.84

$1.95 $1.95

45.64%

Public Transport Monthly Pass (Regular Price)

$134 $134

Taxi Start (Normal Tariff)

$5.11 $5.11

$2.95 $2.95

73.22%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$2.13 $2.13

-0.94%

Taxi 1hour Waiting (Normal Tariff)

$42.31 $42.31

$42.30 $42.30

0.02%

Gasoline (1 liter)

$0.97 $0.97

$0.91 $0.91

6.59%

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

$34.7K $34.7K

$23.3K $23.3K

48.74%

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

$27.8K $27.8K

$25.6K $25.6K

8.46%

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

$181 $181

$180 $180

0.67%

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

$60.2 $60.2

$52.7 $52.7

14.29%

Internet (50+ Mbps, Unlimited Data)

$62.5 $62.5

$62.0 $62.0

0.86%

Gym Membership (Monthly)

$143 $143

$42.98 $42.98

232.97%

Tennis Court (1 Hour on Weekend)

$65.3 $65.3

Cinema Ticket

$19.98 $19.98

$19.73 $19.73

1.27%

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

$3,216 $3,216

$1,763 $1,763

82.35%

International Primary School, 1 Child (Yearly)

$57.2K $57.2K

$15.9K $15.9K

258.96%

Jeans (Levis 501 Or Similar)

$67.5 $67.5

$66.1 $66.1

2.12%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$48.96 $48.96

-2.61%

Sport Shoes (Adidas, Nike)

$111 $111

$98.3 $98.3

13.10%

Men's Leather Business Shoes

$169 $169

$120 $120

40.73%

1-bedroom Apartment, City Center (Monthly)

$4,092 $4,092

$2,280 $2,280

79.43%

1-bedroom Apartment, Outside City Center (Monthly)

$2,694 $2,694

$1,561 $1,561

72.58%

3-bedroom Apartment, City Center (Monthly)

$8,445 $8,445

$3,779 $3,779

123.51%

3-bedroom Apartment, Outside City Center (Monthly)

$5,128 $5,128

$2,679 $2,679

91.40%

Buy Apartment in City Center (m2)

$18.2K $18.2K

Buy Apartment Outside City Center (m2)

$6,299 $6,299

Average Monthly Net Salary (After Tax)

$5,540 $5,540

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

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

Last update for New York, NY: June 1, 2026

Last update for Montclair, NJ: May 31, 2026

Cost Breakdown

A central one-bedroom costs $4,092 in New York, NY versus $2,280 in Montclair, NJ. 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 $142 in New York, NY versus $101 in Montclair, NJ. Monthly groceries follow the same trend: $554 vs $441 – making Montclair, NJ 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 Montclair, NJ: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 60%, and the gap shows up most in Getting Around. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $6,754 per month in New York, NY and $4,224 in Montclair, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montclair, NJ, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $4,503 in New York, NY and $2,816 in Montclair, NJ. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $3,216 per month in New York, NY and $1,763 in Montclair, NJ. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $4,503 in New York, NY and $2,816 in Montclair, NJ. You'll need shared housing and careful budgeting no matter which city you pick.

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

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 Montclair, NJ. 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.