Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Palm Coast, FL

For one person, living is cheaper in Palm Coast, FL: $2,491 a month against $4,906 in New York, NY, rent and utilities included – about $29,000 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
120

Cost of Living Index in Palm Coast, FL
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Palm Coast, FL Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Palm Coast, FL

🇺🇸 United States

$2,491

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Palm Coast, 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 Palm Coast, FL actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,491 in Palm Coast, FL, rent included.

New York, NY $4,906
Palm Coast, FL $2,491

A couple spends around $7,273 per month in New York, NY vs $3,464 in Palm Coast, FL, rent included.

New York, NY $7,273
Palm Coast, FL $3,464

A family of three spends $9,641 per month in New York, NY vs $4,437 in Palm Coast, FL, rent included.

New York, NY $9,641
Palm Coast, FL $4,437

New York, NY costs about 97% more than Palm Coast, FL, and outside of rent the biggest gap is in groceries.

Both New York, NY and Palm Coast, FL sit above the global median – New York, NY by 263%, Palm Coast, FL by 84%.

Meal at Budget Restaurant

$26.93 $26.93

$17.16 $17.16

56.93%

Three-Course Dinner for Two, Mid-Range

$117 $117

$78.5 $78.5

48.87%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$9.18 $9.18

59.04%

Cappuccino

$6.54 $6.54

$4.99 $4.99

31.06%

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

$3.86 $3.86

$2.21 $2.21

74.66%

Water (0.33 liter bottle)

$2.95 $2.95

$1.86 $1.86

58.60%

Local Beer (0.5 liter draught)

$8.08 $8.08

$6.37 $6.37

26.84%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.52 $7.52

30.98%

Milk (1 liter)

$1.31 $1.31

$0.85 $0.85

54.12%

White Bread (500g)

$4.97 $4.97

$3.22 $3.22

54.35%

Rice (white) (1kg)

$7.70 $7.70

$3.37 $3.37

128.49%

Eggs

$6.09 $6.09

$4.07 $4.07

49.63%

Local Cheese (1kg)

$19.55 $19.55

$12.04 $12.04

62.38%

Chicken Fillets (1kg)

$17.59 $17.59

$8.19 $8.19

114.77%

Beef Round Steak (1kg)

$20.26 $20.26

$14.65 $14.65

38.29%

Apples (1kg)

$6.99 $6.99

$6.24 $6.24

12.02%

Banana (1kg)

$2.21 $2.21

$1.47 $1.47

50.34%

Oranges (1kg)

$6.72 $6.72

$5.05 $5.05

33.07%

Tomato (1kg)

$7.12 $7.12

$5.34 $5.34

33.33%

Potato (1kg)

$4.61 $4.61

$6.22 $6.22

-25.88%

Onion (1kg)

$4.78 $4.78

$3.83 $3.83

24.80%

Lettuce (1 head)

$2.87 $2.87

$1.97 $1.97

45.69%

Water (1.5 liter bottle)

$2.69 $2.69

$2.53 $2.53

6.32%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$8.81 $8.81

117.25%

Wine (Bottle)

$19.63 $19.63

$8.00 $8.00

145.38%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.78 $1.78

86.52%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.41 $2.41

73.86%

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

$3.35 $3.35

-9.25%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.44 $1.44

52.78%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$60.1 $60.1

-31.20%

Gasoline (1 liter)

$1.13 $1.13

$0.88 $0.88

28.41%

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

$34.5K $34.5K

$28.5K $28.5K

21.03%

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

$25.8K $25.8K

$26.8K $26.8K

-3.72%

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

$232 $232

$242 $242

-4.02%

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

$71.0 $71.0

$45.75 $45.75

55.26%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$39.46 $39.46

71.44%

Gym Membership (Monthly)

$115 $115

$27.90 $27.90

313.51%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$15.26 $15.26

46.85%

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

$3,606 $3,606

$1,083 $1,083

233.08%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$25.6K $25.6K

167.93%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$58.0 $58.0

36.54%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$40.53 $40.53

26.82%

Sport Shoes (Adidas, Nike)

$121 $121

$58.9 $58.9

105.67%

Men's Leather Business Shoes

$140 $140

$113 $113

24.72%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,502 $1,502

203.28%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,313 $1,313

131.61%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,015 $2,015

383.42%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$1,816 $1,816

193.53%

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

$3,973 $3,973

28.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.57

4.87%

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 Palm Coast, FL: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Palm Coast, FL

$1.3K 52.7% 56.8% $1.7K

Groceries & Markets

New York, NY

$567 11.6%

Palm Coast, FL

$373 15% 34.3% $195

Eating Out

New York, NY

$425 8.7%

Palm Coast, FL

$288 11.6% 32.3% $137

Monthly Utilities & Internet

New York, NY

$371 7.6%

Palm Coast, FL

$327 13.1% 11.8% $44

Clothing & Footwear

New York, NY

$176 3.6%

Palm Coast, FL

$122 4.9% 31.1% $55

Getting Around

New York, NY

$165 3.4%

Palm Coast, FL

$11 * 0.4% 93.6% $155

Sport & Entertainment

New York, NY

$160 3.3%

Palm Coast, FL

$58 2.4% 63.5% $102

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 $1,502 in Palm Coast, 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 28% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $117 in New York, NY versus $78 in Palm Coast, FL. Monthly groceries follow the same trend: $567 vs $373 – making Palm Coast, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Palm Coast, FL

🕒 Local time

13:10 1:10 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

68,013

💱 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 Palm Coast, FL 1,390 km ≈ 2 h 15 min nonstop flight

From you

New York, NY
Palm Coast, 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 Palm Coast, FL: Cost of Living - Frequently Asked Questions

New York, NY costs about 97% more than Palm Coast, FL, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $7,358 per month in New York, NY and $3,736 in Palm Coast, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Palm Coast, FL, especially for central apartments: a one-bedroom in the center costs $1,502 there versus $4,555 in New York, NY.

Monthly expenses with rent come to $4,906 in New York, NY and $2,491 in Palm Coast, FL. That makes Palm Coast, FL about 49% cheaper.

Kindergarten costs $3,606 per month in New York, NY and $1,083 in Palm Coast, FL. For families with young kids, this one expense can tip the scales when choosing between the two cities.

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

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