Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Saratoga Springs, UT,

For one person, living is cheaper in Saratoga Springs, UT,: $2,455 a month against $4,950 in New York, NY, rent and utilities included – about $29,900 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
Learn more

New York, NY Living Index
119

Cost of Living Index in Saratoga Springs, UT,
Learn more

Saratoga Springs, UT, Living Index

Jump to prices

New York, NY

🇺🇸 United States

$4,950

/mo nomad

Saratoga Springs, UT,

🇺🇸 United States

$2,455

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Saratoga Springs, UT,

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 Saratoga Springs, UT, actually costs, broken down by who's living it.

A single person spends $4,950 per month in New York, NY vs $2,455 in Saratoga Springs, UT,, rent included.

New York, NY $4,950
Saratoga Springs, UT, $2,455

A couple spends around $7,265 per month in New York, NY vs $3,722 in Saratoga Springs, UT,, rent included.

New York, NY $7,265
Saratoga Springs, UT, $3,722

A family of three spends $9,581 per month in New York, NY vs $4,988 in Saratoga Springs, UT,, rent included.

New York, NY $9,581
Saratoga Springs, UT, $4,988

New York, NY costs about 102% more than Saratoga Springs, UT,, and outside of rent the biggest gap is in groceries.

Both New York, NY and Saratoga Springs, UT, sit above the global median – New York, NY by 267%, Saratoga Springs, UT, by 82%.

Meal at Budget Restaurant

$24.65 $24.65

$20.11 $20.11

22.58%

Three-Course Dinner for Two, Mid-Range

$122 $122

$81.2 $81.2

49.64%

Fast Food Meal (McDonalds, etc)

$13.91 $13.91

$11.56 $11.56

20.33%

Cappuccino

$6.59 $6.59

$5.21 $5.21

26.49%

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

$3.84 $3.84

$2.69 $2.69

42.75%

Water (0.33 liter bottle)

$2.87 $2.87

$2.03 $2.03

41.38%

Local Beer (0.5 liter draught)

$7.79 $7.79

$6.06 $6.06

28.55%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.32 $7.32

34.56%

Milk (1 liter)

$1.38 $1.38

$0.97 $0.97

42.27%

White Bread (500g)

$4.68 $4.68

$3.51 $3.51

33.33%

Rice (white) (1kg)

$7.54 $7.54

$2.54 $2.54

196.85%

Eggs

$5.93 $5.93

$4.65 $4.65

27.53%

Local Cheese (1kg)

$18.83 $18.83

$16.52 $16.52

13.98%

Chicken Fillets (1kg)

$17.36 $17.36

$13.49 $13.49

28.69%

Beef Round Steak (1kg)

$18.51 $18.51

$14.32 $14.32

29.26%

Apples (1kg)

$6.74 $6.74

$6.52 $6.52

3.37%

Banana (1kg)

$2.09 $2.09

$1.57 $1.57

33.12%

Oranges (1kg)

$6.07 $6.07

$5.72 $5.72

6.12%

Tomato (1kg)

$6.74 $6.74

$4.69 $4.69

43.71%

Potato (1kg)

$4.05 $4.05

$4.73 $4.73

-14.38%

Onion (1kg)

$4.37 $4.37

$4.21 $4.21

3.80%

Lettuce (1 head)

$2.89 $2.89

$1.91 $1.91

51.31%

Water (1.5 liter bottle)

$2.60 $2.60

$3.02 $3.02

-13.91%

Cigarettes 20 Pack (Marlboro, Camel)

$18.72 $18.72

$8.52 $8.52

119.72%

Wine (Bottle)

$20.06 $20.06

$14.88 $14.88

34.81%

Local Beer (0.5 liter bottle)

$3.25 $3.25

$1.79 $1.79

81.56%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$3.50 $3.50

6.57%

One-way Ticket (Public Transport)

$3.06 $3.06

$2.04 $2.04

50.00%

Public Transport Monthly Pass (Regular Price)

$140 $140

$45.60 $45.60

208.07%

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.06 $3.06

-0.65%

Taxi (Normal Tariff) (1km)

$2.15 $2.15

$1.91 $1.91

12.57%

Taxi 1hour Waiting (Normal Tariff)

$41.82 $41.82

$31.13 $31.13

34.34%

Gasoline (1 liter)

$1.12 $1.12

$1.13 $1.13

-0.88%

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

$35.5K $35.5K

$31.6K $31.6K

12.36%

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

$26.0K $26.0K

$22.0K $22.0K

18.54%

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

$219 $219

$202 $202

8.22%

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

$73.2 $73.2

$58.5 $58.5

25.05%

Internet (50+ Mbps, Unlimited Data)

$72.0 $72.0

$69.9 $69.9

2.95%

Gym Membership (Monthly)

$123 $123

$65.1 $65.1

88.52%

Tennis Court (1 Hour on Weekend)

$67.7 $67.7

Cinema Ticket

$22.85 $22.85

$10.83 $10.83

110.99%

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

$3,333 $3,333

$1,393 $1,393

139.26%

International Primary School, 1 Child (Yearly)

$60.0K $60.0K

$21.1K $21.1K

183.89%

Jeans (Levis 501 Or Similar)

$75.2 $75.2

$54.0 $54.0

39.34%

Summer Dress (H&M, Zara, etc)

$52.4 $52.4

$40.82 $40.82

28.34%

Sport Shoes (Adidas, Nike)

$122 $122

$88.2 $88.2

38.00%

Men's Leather Business Shoes

$133 $133

$113 $113

17.55%

1-bedroom Apartment, City Center (Monthly)

$4,389 $4,389

$1,184 $1,184

270.57%

1-bedroom Apartment, Outside City Center (Monthly)

$3,130 $3,130

$1,082 $1,082

189.24%

3-bedroom Apartment, City Center (Monthly)

$8,918 $8,918

$2,042 $2,042

336.63%

3-bedroom Apartment, Outside City Center (Monthly)

$5,354 $5,354

$1,933 $1,933

176.98%

Buy Apartment in City Center (m2)

$19.4K $19.4K

$2,527 $2,527

667.83%

Buy Apartment Outside City Center (m2)

$6,806 $6,806

$2,543 $2,543

167.69%

Average Monthly Net Salary (After Tax)

$5,343 $5,343

$4,863 $4,863

9.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

6.57

3.81%

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

Last update for New York, NY: October 13, 2026

Last update for Saratoga Springs, UT,: October 12, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 63.2%

Saratoga Springs, UT,

$1.1K 44.1% 65.4% $2K

Groceries & Markets

New York, NY

$545 11%

Saratoga Springs, UT,

$434 17.7% 20.4% $111

Eating Out

New York, NY

$404 8.2%

Saratoga Springs, UT,

$322 13.1% 20.2% $82

Monthly Utilities & Internet

New York, NY

$364 7.4%

Saratoga Springs, UT,

$331 13.5% 9.2% $33

Clothing & Footwear

New York, NY

$172 3.5%

Saratoga Springs, UT,

$133 5.4% 22.5% $39

Sport & Entertainment

New York, NY

$168 3.4%

Saratoga Springs, UT,

$87 3.5% 48.5% $82

Getting Around

New York, NY

$167 3.4%

Saratoga Springs, UT,

$66 2.7% 60.1% $100

Cost Breakdown

A central one-bedroom costs $4,389 in New York, NY versus $1,184 in Saratoga Springs, UT,. 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 10% 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 $122 in New York, NY versus $81.0 in Saratoga Springs, UT,. Monthly groceries follow the same trend: $545 vs $434 – making Saratoga Springs, UT, the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Saratoga Springs, UT,

🕒 Local time

11:47 11:47 AM

09:47 9:47 AM

2 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

28,491

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.889 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

New York, NY Saratoga Springs, UT, 3,160 km ≈ 4 h 30 min nonstop flight

From you

New York, NY
Saratoga Springs, UT,

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 Saratoga Springs, UT,: Cost of Living - Frequently Asked Questions

New York, NY costs about 102% more than Saratoga Springs, UT,, 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 $7,424 per month in New York, NY and $3,683 in Saratoga Springs, UT,. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $3,333 per month in New York, NY and $1,393 in Saratoga Springs, UT,. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 26% 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 Saratoga Springs, UT,, where all-in costs run around $2,455, than in New York, NY at $4,950. In Saratoga Springs, UT, 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. Saratoga Springs, UT, costs $2,455 versus $4,950 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 Saratoga Springs, UT,. 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.