Last update: Nov 2026

Cost of Living Comparison Between New York, NY and New Smyrna Beach, FL

For one person, living is cheaper in New Smyrna Beach, FL: $2,747 a month against $4,906 in New York, NY, rent and utilities included – about $25,900 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
132

Cost of Living Index in New Smyrna Beach, FL
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New Smyrna Beach, FL Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

New Smyrna Beach, FL

🇺🇸 United States

$2,747

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in New Smyrna Beach, FL

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 New Smyrna Beach, FL actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,747 in New Smyrna Beach, FL, rent included.

New York, NY $4,906
New Smyrna Beach, FL $2,747

A couple spends around $7,273 per month in New York, NY vs $3,951 in New Smyrna Beach, FL, rent included.

New York, NY $7,273
New Smyrna Beach, FL $3,951

A family of three spends $9,641 per month in New York, NY vs $5,154 in New Smyrna Beach, FL, rent included.

New York, NY $9,641
New Smyrna Beach, FL $5,154

New York, NY costs about 79% more than New Smyrna Beach, FL, and outside of rent the biggest gap is in groceries.

Both New York, NY and New Smyrna Beach, FL sit above the global median – New York, NY by 263%, New Smyrna Beach, FL by 103%.

Meal at Budget Restaurant

$26.93 $26.93

$20.11 $20.11

33.91%

Three-Course Dinner for Two, Mid-Range

$117 $117

$79.8 $79.8

46.43%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$11.38 $11.38

28.30%

Cappuccino

$6.54 $6.54

$6.02 $6.02

8.64%

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

$3.86 $3.86

$3.14 $3.14

22.93%

Water (0.33 liter bottle)

$2.95 $2.95

$2.24 $2.24

31.70%

Local Beer (0.5 liter draught)

$8.08 $8.08

$6.88 $6.88

17.44%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$6.81 $6.81

44.64%

Milk (1 liter)

$1.31 $1.31

$1.02 $1.02

28.43%

White Bread (500g)

$4.97 $4.97

$3.22 $3.22

54.35%

Rice (white) (1kg)

$7.70 $7.70

$2.46 $2.46

213.01%

Eggs

$6.09 $6.09

$4.42 $4.42

37.78%

Local Cheese (1kg)

$19.55 $19.55

$12.02 $12.02

62.65%

Chicken Fillets (1kg)

$17.59 $17.59

$10.02 $10.02

75.55%

Beef Round Steak (1kg)

$20.26 $20.26

$15.90 $15.90

27.42%

Apples (1kg)

$6.99 $6.99

$5.95 $5.95

17.48%

Banana (1kg)

$2.21 $2.21

$1.40 $1.40

57.86%

Oranges (1kg)

$6.72 $6.72

$4.15 $4.15

61.93%

Tomato (1kg)

$7.12 $7.12

$4.70 $4.70

51.49%

Potato (1kg)

$4.61 $4.61

$2.53 $2.53

82.21%

Onion (1kg)

$4.78 $4.78

$2.85 $2.85

67.72%

Lettuce (1 head)

$2.87 $2.87

$1.47 $1.47

95.24%

Water (1.5 liter bottle)

$2.69 $2.69

$1.76 $1.76

52.84%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$8.59 $8.59

122.82%

Wine (Bottle)

$19.63 $19.63

$13.32 $13.32

47.37%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.15 $2.15

54.42%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.86 $2.86

46.50%

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

$1.52 $1.52

100.00%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.18 $1.18

86.44%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$13.54 $13.54

205.24%

Gasoline (1 liter)

$1.13 $1.13

$0.94 $0.94

20.21%

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

$34.5K $34.5K

$26.8K $26.8K

28.53%

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

$25.8K $25.8K

$26.6K $26.6K

-2.82%

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

$232 $232

$187 $187

24.11%

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

$71.0 $71.0

$62.8 $62.8

13.05%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$69.9 $69.9

-3.16%

Gym Membership (Monthly)

$115 $115

$25.20 $25.20

357.82%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$13.44 $13.44

66.74%

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

$3,606 $3,606

$626 $626

476.00%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$10.4K $10.4K

558.72%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$53.2 $53.2

48.97%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$48.64 $48.64

5.67%

Sport Shoes (Adidas, Nike)

$121 $121

$86.0 $86.0

40.83%

Men's Leather Business Shoes

$140 $140

$113 $113

24.59%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,664 $1,664

173.67%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,530 $1,530

98.69%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,480 $2,480

292.80%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,429 $2,429

119.50%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,742 $2,742

564.60%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,354 $2,354

184.02%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$7,431 $7,431

-31.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.75

2.07%

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 New Smyrna Beach, FL: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

New Smyrna Beach, FL

$1.5K 55.7% 49.7% $1.5K

Groceries & Markets

New York, NY

$567 11.6%

New Smyrna Beach, FL

$365 13.3% 35.6% $202

Eating Out

New York, NY

$425 8.7%

New Smyrna Beach, FL

$337 12.3% 20.8% $88

Monthly Utilities & Internet

New York, NY

$371 7.6%

New Smyrna Beach, FL

$320 11.7% 13.8% $51

Clothing & Footwear

New York, NY

$176 3.6%

New Smyrna Beach, FL

$135 4.9% 23.4% $41

Getting Around

New York, NY

$165 3.4%

New Smyrna Beach, FL

$7.4 * 0.3% 95.5% $158

Sport & Entertainment

New York, NY

$160 3.3%

New Smyrna Beach, FL

$52 1.9% 67.5% $108

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 $1,664 in New Smyrna Beach, FL. 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 46% higher in New Smyrna Beach, FL, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $117 in New York, NY versus $80 in New Smyrna Beach, FL. Monthly groceries follow the same trend: $567 vs $365 – making New Smyrna Beach, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 New Smyrna Beach, FL

🕒 Local time

19:57 7:57 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

30,142

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.895 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

New York, NY New Smyrna Beach, FL 1,430 km ≈ 2 h 15 min nonstop flight

From you

New York, NY
New Smyrna Beach, FL

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 New Smyrna Beach, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,906 in New York, NY, $2,747 in New Smyrna Beach, FL – New Smyrna Beach, FL comes out roughly 44% 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 $4,120 in New Smyrna Beach, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in New Smyrna Beach, FL, especially for central apartments: a one-bedroom in the center costs $1,664 there versus $4,555 in New York, NY.

A mid-range dinner for two costs $117 in New York, NY and $80 in New Smyrna Beach, FL. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 55% more in New York, NY, though the gap depends on what you buy.

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