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

Monthly Cost of Living

A single person spends $4,438 per month in New York, NY vs $2,769 in Passaic, NJ, rent included.

A couple spends around $7,016 per month in New York, NY vs $4,100 in Passaic, NJ, rent included.

A family of three spends $9,593 per month in New York, NY vs $5,431 in Passaic, NJ, rent included.

New York, NY costs about 60% more than Passaic, NJ, driven mainly by Eating Out.

Both New York, NY and Passaic, NJ sit above the global median – New York, NY by 231%, Passaic, NJ by 107%.

Meal at Budget Restaurant

$29.91 $29.91

$17.27 $17.27

73.19%

Three-Course Dinner for Two, Mid-Range

$144 $144

$100 $100

43.83%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$11.87 $11.87

3.79%

Cappuccino

$6.03 $6.03

$5.81 $5.81

3.79%

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

$3.39 $3.39

$2.38 $2.38

42.44%

Water (0.33 liter bottle)

$2.56 $2.56

$1.56 $1.56

64.10%

Local Beer (0.5 liter draught)

$8.20 $8.20

$7.21 $7.21

13.73%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$7.07 $7.07

69.02%

Milk (1 liter)

$1.54 $1.54

$1.25 $1.25

23.20%

White Bread (500g)

$5.15 $5.15

$4.16 $4.16

23.80%

Rice (white) (1kg)

$8.43 $8.43

$5.59 $5.59

50.81%

Eggs

$6.97 $6.97

$6.65 $6.65

4.81%

Local Cheese (1kg)

$17.28 $17.28

$17.31 $17.31

-0.17%

Chicken Fillets (1kg)

$16.24 $16.24

$10.41 $10.41

56.00%

Beef Round Steak (1kg)

$19.95 $19.95

$19.64 $19.64

1.58%

Apples (1kg)

$7.45 $7.45

$5.70 $5.70

30.70%

Banana (1kg)

$2.42 $2.42

$2.44 $2.44

-0.82%

Oranges (1kg)

$5.87 $5.87

$4.22 $4.22

39.10%

Tomato (1kg)

$6.31 $6.31

$4.51 $4.51

39.91%

Potato (1kg)

$3.72 $3.72

$3.85 $3.85

-3.38%

Onion (1kg)

$3.99 $3.99

Lettuce (1 head)

$3.19 $3.19

$2.91 $2.91

9.62%

Water (1.5 liter bottle)

$2.55 $2.55

$2.80 $2.80

-8.93%

Cigarettes 20 Pack (Marlboro, Camel)

$19.09 $19.09

$17.34 $17.34

10.09%

Wine (Bottle)

$20.24 $20.24

$14.70 $14.70

37.69%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$1.80 $1.80

66.11%

Imported Beer (0.33 liter bottle)

$3.87 $3.87

$3.76 $3.76

2.93%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.95 $1.95

51.28%

Public Transport Monthly Pass (Regular Price)

$131 $131

$120 $120

8.46%

Taxi Start (Normal Tariff)

$5.13 $5.13

$2.94 $2.94

74.49%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.19 $2.19

0.46%

Taxi 1hour Waiting (Normal Tariff)

$42.64 $42.64

$42.60 $42.60

0.09%

Gasoline (1 liter)

$0.95 $0.95

$0.92 $0.92

3.26%

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

$34.5K $34.5K

$23.6K $23.6K

46.02%

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

$28.2K $28.2K

$25.5K $25.5K

10.63%

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

$182 $182

$180 $180

1.12%

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

$60.1 $60.1

$53.6 $53.6

11.95%

Internet (50+ Mbps, Unlimited Data)

$61.9 $61.9

$58.8 $58.8

5.36%

Gym Membership (Monthly)

$140 $140

$42.55 $42.55

229.07%

Tennis Court (1 Hour on Weekend)

$64.4 $64.4

Cinema Ticket

$20.33 $20.33

$19.74 $19.74

2.99%

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

$3,222 $3,222

$1,496 $1,496

115.38%

International Primary School, 1 Child (Yearly)

$56.2K $56.2K

$15.9K $15.9K

254.06%

Jeans (Levis 501 Or Similar)

$65.9 $65.9

$49.87 $49.87

32.20%

Summer Dress (H&M, Zara, etc)

$47.20 $47.20

$47.42 $47.42

-0.46%

Sport Shoes (Adidas, Nike)

$111 $111

$86.1 $86.1

28.98%

Men's Leather Business Shoes

$173 $173

$99.9 $99.9

73.32%

1-bedroom Apartment, City Center (Monthly)

$4,208 $4,208

$1,600 $1,600

162.96%

1-bedroom Apartment, Outside City Center (Monthly)

$2,647 $2,647

$1,350 $1,350

96.17%

3-bedroom Apartment, City Center (Monthly)

$8,415 $8,415

$2,579 $2,579

226.34%

3-bedroom Apartment, Outside City Center (Monthly)

$5,170 $5,170

$2,197 $2,197

135.31%

Buy Apartment in City Center (m2)

$20.1K $20.1K

$2,701 $2,701

644.08%

Buy Apartment Outside City Center (m2)

$8,742 $8,742

$2,328 $2,328

275.52%

Average Monthly Net Salary (After Tax)

$5,144 $5,144

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: April 20, 2026

Last update for Passaic, NJ: April 20, 2026

Cost Breakdown

A central one-bedroom costs $4,208 in New York, NY versus $1,600 in Passaic, 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 $144 in New York, NY versus $100 in Passaic, NJ. Monthly groceries follow the same trend: $554 vs $459 – making Passaic, 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 Passaic, NJ: Cost of Living - Frequently Asked Questions

New York, NY costs about 60% more than Passaic, NJ, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $6,657 per month in New York, NY and $4,154 in Passaic, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $3,222 per month in New York, NY and $1,496 in Passaic, NJ. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 21% more in New York, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,000 is a stretch for both – monthly costs hit $4,438 in New York, NY and $2,769 in Passaic, NJ. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Passaic, NJ costs $2,769 versus $4,438 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

If budget matters most, go with Passaic, 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.