Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Saint Andrews

For one person, living is cheaper in Saint Andrews: $2,255 a month against $5,142 in New York, NY, rent and utilities included – about $34,600 less a year. Rent and utilities account for most of the difference.

245

Cost of Living Index in New York, NY
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New York, NY Living Index
109

Cost of Living Index in Saint Andrews
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Saint Andrews Living Index

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New York, NY

🇺🇸 United States

$5,142

/mo nomad

Saint Andrews

🇨🇦 Canada

$2,255

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Saint Andrews

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 Saint Andrews actually costs, broken down by who's living it.

A single person spends $5,142 per month in New York, NY vs $2,255 in Saint Andrews, rent included.

New York, NY $5,142
Saint Andrews $2,255

A couple spends around $7,455 per month in New York, NY vs $3,245 in Saint Andrews, rent included.

New York, NY $7,455
Saint Andrews $3,245

A family of three spends $9,767 per month in New York, NY vs $4,234 in Saint Andrews, rent included.

New York, NY $9,767
Saint Andrews $4,234

New York, NY costs about 128% more than Saint Andrews, and outside of rent the biggest gap is in groceries.

Both New York, NY and Saint Andrews sit above the global median – New York, NY by 284%, Saint Andrews by 68%.

Meal at Budget Restaurant

$26.46 $26.46

$17.75 CA$25.30

49.07%

Three-Course Dinner for Two, Mid-Range

$119 $119

$63.8 CA$91.0

86.07%

Fast Food Meal (McDonalds, etc)

$14.43 $14.43

$10.59 CA$15.10

36.26%

Cappuccino

$6.55 $6.55

$3.72 CA$5.30

76.08%

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

$3.84 $3.84

$1.99 CA$2.83

92.96%

Water (0.33 liter bottle)

$3.00 $3.00

$1.58 CA$2.25

89.87%

Local Beer (0.5 liter draught)

$8.27 $8.27

$5.17 CA$7.38

59.96%

Imported Beer (0.33 liter bottle)

$10.05 $10.05

$5.77 CA$8.22

74.18%

Milk (1 liter)

$1.31 $1.31

$2.04 CA$2.91

-35.78%

White Bread (500g)

$4.90 $4.90

$2.46 CA$3.51

99.19%

Rice (white) (1kg)

$7.16 $7.16

$3.36 CA$4.79

113.10%

Eggs

$5.92 $5.92

$3.47 CA$4.94

70.61%

Local Cheese (1kg)

$19.06 $19.06

$9.72 CA$13.86

96.09%

Chicken Fillets (1kg)

$17.38 $17.38

$11.12 CA$15.85

56.29%

Beef Round Steak (1kg)

$18.94 $18.94

$14.72 CA$20.98

28.67%

Apples (1kg)

$6.96 $6.96

$3.66 CA$5.22

90.16%

Banana (1kg)

$2.08 $2.08

$1.36 CA$1.93

52.94%

Oranges (1kg)

$6.10 $6.10

$3.70 CA$5.28

64.86%

Tomato (1kg)

$6.95 $6.95

$3.73 CA$5.31

86.33%

Potato (1kg)

$3.98 $3.98

$2.59 CA$3.70

53.67%

Onion (1kg)

$4.44 $4.44

$2.25 CA$3.21

97.33%

Lettuce (1 head)

$2.81 $2.81

$2.53 CA$3.61

11.07%

Water (1.5 liter bottle)

$2.51 $2.51

$1.57 CA$2.24

59.87%

Cigarettes 20 Pack (Marlboro, Camel)

$19.27 $19.27

$13.96 CA$19.90

38.04%

Wine (Bottle)

$19.67 $19.67

$12.42 CA$17.70

58.37%

Local Beer (0.5 liter bottle)

$3.08 $3.08

$2.73 CA$3.89

12.82%

Imported Beer (0.33 liter bottle)

$3.68 $3.68

$3.13 CA$4.46

17.57%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.31 CA$3.29

30.74%

Public Transport Monthly Pass (Regular Price)

$140 $140

$63.1 CA$90.0

121.11%

Taxi Start (Normal Tariff)

$3.07 $3.07

$2.82 CA$4.02

8.87%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$1.49 CA$2.12

42.95%

Taxi 1hour Waiting (Normal Tariff)

$41.21 $41.21

$23.25 CA$33.14

77.25%

Gasoline (1 liter)

$1.11 $1.11

$1.11 CA$1.59

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

$35.0K $35.0K

$28.2K CA$40.1K

24.26%

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

$25.4K $25.4K

$18.9K CA$26.9K

34.33%

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

$217 $217

$138 CA$197

57.59%

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

$74.0 $74.0

$38.11 CA$54.3

94.23%

Internet (50+ Mbps, Unlimited Data)

$72.5 $72.5

$55.0 CA$78.4

31.83%

Gym Membership (Monthly)

$120 $120

$40.69 CA$58.0

196.02%

Tennis Court (1 Hour on Weekend)

$66.9 $66.9

$18.31 CA$26.10

265.32%

Cinema Ticket

$22.32 $22.32

$10.95 CA$15.61

103.84%

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

$3,425 $3,425

$724 CA$1,033

372.78%

International Primary School, 1 Child (Yearly)

$61.2K $61.2K

$13.3K CA$18.9K

360.37%

Jeans (Levis 501 Or Similar)

$76.3 $76.3

$54.2 CA$77.2

40.85%

Summer Dress (H&M, Zara, etc)

$55.5 $55.5

$37.35 CA$53.2

48.46%

Sport Shoes (Adidas, Nike)

$119 $119

$84.5 CA$120

41.13%

Men's Leather Business Shoes

$131 $131

$99.9 CA$142

30.72%

1-bedroom Apartment, City Center (Monthly)

$4,506 $4,506

$1,239 CA$1,766

263.77%

1-bedroom Apartment, Outside City Center (Monthly)

$3,155 $3,155

$1,151 CA$1,640

174.15%

3-bedroom Apartment, City Center (Monthly)

$8,817 $8,817

$1,984 CA$2,829

344.33%

3-bedroom Apartment, Outside City Center (Monthly)

$5,532 $5,532

$1,678 CA$2,392

229.66%

Buy Apartment in City Center (m2)

$19.4K $19.4K

$4,169 CA$5,942

365.00%

Buy Apartment Outside City Center (m2)

$6,754 $6,754

$3,576 CA$5,097

88.89%

Average Monthly Net Salary (After Tax)

$5,290 $5,290

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

4.64

46.98%

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

Last update for New York, NY: October 3, 2026

Last update for Saint Andrews: October 5, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.2K 63.2%

Saint Andrews

$1.2K 50.7% 63.5% $2K

Groceries & Markets

New York, NY

$546 11%

Saint Andrews

$347 15.3% 36.4% $199

Eating Out

New York, NY

$422 8.5%

Saint Andrews

$270 11.9% 36.1% $152

Monthly Utilities & Internet

New York, NY

$364 7.3%

Saint Andrews

$231 10.2% 36.5% $133

Clothing & Footwear

New York, NY

$172 3.4%

Saint Andrews

$124 5.5% 27.7% $48

Getting Around

New York, NY

$165 3.3%

Saint Andrews

$83 3.6% 50% $83

Sport & Entertainment

New York, NY

$165 3.3%

Saint Andrews

$63 2.8% 62.1% $102

Cost Breakdown

A central one-bedroom costs $4,506 in New York, NY versus $1,239 in Saint Andrews. 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 $119 in New York, NY versus $64.0 in Saint Andrews. Monthly groceries follow the same trend: $546 vs $347 – making Saint Andrews the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇨🇦 Saint Andrews

🕒 Local time

05:50 5:50 AM

06:50 6:50 AM

1 h ahead of New York, NY

🌤 Weather

👥 Population

8,804,190

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

On the map

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Between locations

New York, NY Saint Andrews 760 km ≈ 1 h 30 min nonstop flight

From you

New York, NY
Saint Andrews

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 Saint Andrews: Cost of Living - Frequently Asked Questions

New York, NY costs about 128% more than Saint Andrews, 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 $7,714 per month in New York, NY and $3,383 in Saint Andrews. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $3,425 per month in New York, NY and $724 in Saint Andrews. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 57% 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.

A $3,000 monthly budget goes further in Saint Andrews, where all-in costs run around $2,255, than in New York, NY at $5,142. In Saint Andrews it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Saint Andrews costs $2,255 versus $5,142 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 Saint Andrews. 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.