Last update: Oct 2026

Cost of Living Comparison Between New York, NY and O'Fallon, IL

For one person, living is cheaper in O'Fallon, IL: $2,591 a month against $4,938 in New York, NY, rent and utilities included – about $28,200 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
125

Cost of Living Index in O'Fallon, IL
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O'Fallon, IL Living Index

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New York, NY

🇺🇸 United States

$4,938

/mo nomad

O'Fallon, IL

🇺🇸 United States

$2,591

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in O'Fallon, IL

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 O'Fallon, IL actually costs, broken down by who's living it.

A single person spends $4,938 per month in New York, NY vs $2,591 in O'Fallon, IL, rent included.

New York, NY $4,938
O'Fallon, IL $2,591

A couple spends around $7,273 per month in New York, NY vs $3,785 in O'Fallon, IL, rent included.

New York, NY $7,273
O'Fallon, IL $3,785

A family of three spends $9,608 per month in New York, NY vs $4,980 in O'Fallon, IL, rent included.

New York, NY $9,608
O'Fallon, IL $4,980

New York, NY costs about 91% more than O'Fallon, IL, and outside of rent the biggest gap is in transport.

Both New York, NY and O'Fallon, IL sit above the global median – New York, NY by 264%, O'Fallon, IL by 91%.

Meal at Budget Restaurant

$24.99 $24.99

$18.28 $18.28

36.71%

Three-Course Dinner for Two, Mid-Range

$120 $120

$74.4 $74.4

61.70%

Fast Food Meal (McDonalds, etc)

$13.74 $13.74

$10.70 $10.70

28.41%

Cappuccino

$6.60 $6.60

$5.27 $5.27

25.24%

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

$3.82 $3.82

$2.35 $2.35

62.55%

Water (0.33 liter bottle)

$2.87 $2.87

$1.66 $1.66

72.89%

Local Beer (0.5 liter draught)

$7.95 $7.95

$3.79 $3.79

109.76%

Imported Beer (0.33 liter bottle)

$10.06 $10.06

$5.19 $5.19

93.83%

Milk (1 liter)

$1.37 $1.37

$1.00 $1.00

37.00%

White Bread (500g)

$4.75 $4.75

$3.22 $3.22

47.52%

Rice (white) (1kg)

$7.69 $7.69

$5.61 $5.61

37.08%

Eggs

$5.87 $5.87

$3.93 $3.93

49.36%

Local Cheese (1kg)

$19.25 $19.25

$12.06 $12.06

59.62%

Chicken Fillets (1kg)

$17.83 $17.83

$15.66 $15.66

13.86%

Beef Round Steak (1kg)

$19.03 $19.03

$16.22 $16.22

17.32%

Apples (1kg)

$6.69 $6.69

$8.24 $8.24

-18.81%

Banana (1kg)

$2.29 $2.29

$2.38 $2.38

-3.78%

Oranges (1kg)

$6.41 $6.41

$5.48 $5.48

16.97%

Tomato (1kg)

$6.75 $6.75

$5.13 $5.13

31.58%

Potato (1kg)

$3.93 $3.93

$4.24 $4.24

-7.31%

Onion (1kg)

$4.52 $4.52

$3.36 $3.36

34.52%

Lettuce (1 head)

$2.79 $2.79

$2.01 $2.01

38.81%

Water (1.5 liter bottle)

$2.51 $2.51

$2.54 $2.54

-1.18%

Cigarettes 20 Pack (Marlboro, Camel)

$18.10 $18.10

$8.09 $8.09

123.73%

Wine (Bottle)

$20.16 $20.16

$14.94 $14.94

34.94%

Local Beer (0.5 liter bottle)

$3.26 $3.26

$2.91 $2.91

12.03%

Imported Beer (0.33 liter bottle)

$3.75 $3.75

$3.34 $3.34

12.28%

One-way Ticket (Public Transport)

$2.92 $2.92

$2.14 $2.14

36.45%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$3.06 $3.06

$3.58 $3.58

-14.53%

Taxi (Normal Tariff) (1km)

$2.16 $2.16

$1.59 $1.59

35.85%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$17.65 $17.65

134.16%

Gasoline (1 liter)

$1.12 $1.12

$1.11 $1.11

0.90%

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

$33.1K $33.1K

$27.8K $27.8K

19.09%

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

$25.7K $25.7K

$26.2K $26.2K

-1.88%

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

$219 $219

$242 $242

-9.40%

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

$75.3 $75.3

$68.6 $68.6

9.83%

Internet (50+ Mbps, Unlimited Data)

$70.5 $70.5

$75.9 $75.9

-7.10%

Gym Membership (Monthly)

$116 $116

$41.68 $41.68

177.11%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$21.37 $21.37

$12.60 $12.60

69.60%

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

$3,432 $3,432

$663 $663

417.35%

International Primary School, 1 Child (Yearly)

$61.7K $61.7K

$12.6K $12.6K

389.94%

Jeans (Levis 501 Or Similar)

$74.9 $74.9

$46.51 $46.51

61.00%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$25.04 $25.04

108.23%

Sport Shoes (Adidas, Nike)

$117 $117

$57.5 $57.5

102.90%

Men's Leather Business Shoes

$135 $135

$49.29 $49.29

173.16%

1-bedroom Apartment, City Center (Monthly)

$4,347 $4,347

$1,602 $1,602

171.44%

1-bedroom Apartment, Outside City Center (Monthly)

$3,117 $3,117

$1,295 $1,295

140.78%

3-bedroom Apartment, City Center (Monthly)

$9,110 $9,110

$2,473 $2,473

268.38%

3-bedroom Apartment, Outside City Center (Monthly)

$5,379 $5,379

$2,167 $2,167

148.19%

Buy Apartment in City Center (m2)

$19.3K $19.3K

$2,348 $2,348

721.32%

Buy Apartment Outside City Center (m2)

$6,943 $6,943

$2,575 $2,575

169.63%

Average Monthly Net Salary (After Tax)

$5,238 $5,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.85

6.72

1.93%

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

Last update for New York, NY: October 17, 2026

Last update for O'Fallon, IL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 63.1%

O'Fallon, IL

$1.3K 50% 58.5% $1.8K

Groceries & Markets

New York, NY

$552 11.2%

O'Fallon, IL

$456 17.6% 17.5% $97

Eating Out

New York, NY

$407 8.2%

O'Fallon, IL

$287 11.1% 29.5% $120

Monthly Utilities & Internet

New York, NY

$365 7.4%

O'Fallon, IL

$387 14.9% 5.9% $21

Clothing & Footwear

New York, NY

$170 3.5%

O'Fallon, IL

$80 3.1% 52.9% $90

Getting Around

New York, NY

$168 3.4%

O'Fallon, IL

$20 * 0.8% 88.1% $148

Sport & Entertainment

New York, NY

$158 3.2%

O'Fallon, IL

$67 2.6% 57.7% $91

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

Cost Breakdown

A central one-bedroom costs $4,347 in New York, NY versus $1,602 in O'Fallon, IL. 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 $120 in New York, NY versus $74.0 in O'Fallon, IL. Monthly groceries follow the same trend: $552 vs $456 – making O'Fallon, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 O'Fallon, IL

🕒 Local time

19:31 7:31 PM

18:31 6:31 PM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

94,074

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

New York, NY O'Fallon, IL 1,360 km ≈ 2 h 15 min nonstop flight

From you

New York, NY
O'Fallon, IL

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 O'Fallon, IL: Cost of Living - Frequently Asked Questions

New York, NY costs about 91% more than O'Fallon, IL, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,407 per month in New York, NY and $3,886 in O'Fallon, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in O'Fallon, IL, 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 $4,938 in New York, NY and $2,591 in O'Fallon, IL. That's a gap of about 91%.

Kindergarten costs $3,432 per month in New York, NY and $663 in O'Fallon, IL. 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 $4,938 in New York, NY and $2,591 in O'Fallon, IL. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. O'Fallon, IL costs $2,591 versus $4,938 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 O'Fallon, IL. 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.