Last update: Nov 2026

Cost of Living Comparison Between New York, NY and Smithtown, NY

For one person, living is cheaper in Smithtown, NY: $2,653 a month against $4,906 in New York, NY, rent and utilities included – about $27,000 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
127

Cost of Living Index in Smithtown, NY
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Smithtown, NY Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Smithtown, NY

🇺🇸 United States

$2,653

/mo nomad

Monthly Cost of Living

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

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 Smithtown, NY actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,653 in Smithtown, NY, rent included.

New York, NY $4,906
Smithtown, NY $2,653

A couple spends around $7,273 per month in New York, NY vs $3,823 in Smithtown, NY, rent included.

New York, NY $7,273
Smithtown, NY $3,823

A family of three spends $9,641 per month in New York, NY vs $4,993 in Smithtown, NY, rent included.

New York, NY $9,641
Smithtown, NY $4,993

New York, NY costs about 85% more than Smithtown, NY, and outside of rent the biggest gap is in groceries.

Both New York, NY and Smithtown, NY sit above the global median – New York, NY by 263%, Smithtown, NY by 96%.

Meal at Budget Restaurant

$26.93 $26.93

$19.68 $19.68

36.84%

Three-Course Dinner for Two, Mid-Range

$117 $117

$49.58 $49.58

135.56%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$9.91 $9.91

47.33%

Cappuccino

$6.54 $6.54

$5.42 $5.42

20.66%

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

$3.86 $3.86

$2.15 $2.15

79.53%

Water (0.33 liter bottle)

$2.95 $2.95

$1.52 $1.52

94.08%

Local Beer (0.5 liter draught)

$8.08 $8.08

$8.04 $8.04

0.50%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.79 $7.79

26.44%

Milk (1 liter)

$1.31 $1.31

White Bread (500g)

$4.97 $4.97

$4.19 $4.19

18.62%

Rice (white) (1kg)

$7.70 $7.70

$7.43 $7.43

3.63%

Eggs

$6.09 $6.09

$5.72 $5.72

6.47%

Local Cheese (1kg)

$19.55 $19.55

$12.60 $12.60

55.16%

Chicken Fillets (1kg)

$17.59 $17.59

$6.12 $6.12

187.42%

Beef Round Steak (1kg)

$20.26 $20.26

$17.32 $17.32

16.97%

Apples (1kg)

$6.99 $6.99

$5.50 $5.50

27.09%

Banana (1kg)

$2.21 $2.21

$1.78 $1.78

24.16%

Oranges (1kg)

$6.72 $6.72

$6.35 $6.35

5.83%

Tomato (1kg)

$7.12 $7.12

$6.04 $6.04

17.88%

Potato (1kg)

$4.61 $4.61

$5.52 $5.52

-16.49%

Onion (1kg)

$4.78 $4.78

$3.92 $3.92

21.94%

Lettuce (1 head)

$2.87 $2.87

Water (1.5 liter bottle)

$2.69 $2.69

$2.86 $2.86

-5.94%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$11.84 $11.84

61.66%

Wine (Bottle)

$19.63 $19.63

$24.73 $24.73

-20.62%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.70 $1.70

95.29%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$5.34 $5.34

-21.54%

One-way Ticket (Public Transport)

$3.02 $3.02

$1.92 $1.92

57.29%

Public Transport Monthly Pass (Regular Price)

$139 $139

$56.8 $56.8

145.13%

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.01 $3.01

1.00%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$2.07 $2.07

6.28%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$23.97 $23.97

72.42%

Gasoline (1 liter)

$1.13 $1.13

$1.17 $1.17

-3.42%

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

$34.5K $34.5K

$27.9K $27.9K

23.34%

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

$25.8K $25.8K

$26.6K $26.6K

-2.79%

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

$232 $232

$215 $215

8.21%

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

$71.0 $71.0

$74.3 $74.3

-4.39%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$55.6 $55.6

21.76%

Gym Membership (Monthly)

$115 $115

$43.84 $43.84

163.16%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$11.91 $11.91

88.16%

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

$3,606 $3,606

$2,436 $2,436

48.04%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$33.7K $33.7K

103.55%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$41.99 $41.99

88.74%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$57.1 $57.1

-9.92%

Sport Shoes (Adidas, Nike)

$121 $121

$59.9 $59.9

102.07%

Men's Leather Business Shoes

$140 $140

$80.3 $80.3

74.88%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,561 $1,561

191.86%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,272 $1,272

139.07%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,604 $2,604

274.14%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,104 $2,104

153.40%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,745 $2,745

563.99%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,510 $2,510

166.39%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.92

-0.43%

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 Smithtown, NY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Smithtown, NY

$1.3K 47.9% 58.2% $1.8K

Groceries & Markets

New York, NY

$567 11.6%

Smithtown, NY

$461 17.4% 18.8% $107

Eating Out

New York, NY

$425 8.7%

Smithtown, NY

$323 12.2% 24.1% $102

Monthly Utilities & Internet

New York, NY

$371 7.6%

Smithtown, NY

$345 13% 7.1% $26

Clothing & Footwear

New York, NY

$176 3.6%

Smithtown, NY

$108 4.1% 39% $69

Getting Around

New York, NY

$165 3.4%

Smithtown, NY

$78 2.9% 52.9% $88

Sport & Entertainment

New York, NY

$160 3.3%

Smithtown, NY

$68 2.6% 57.8% $93

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,561 in Smithtown, NY. 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 $117 in New York, NY versus $50 in Smithtown, NY. Monthly groceries follow the same trend: $567 vs $461 – making Smithtown, NY the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Smithtown, NY

🕒 Local time

05:07 5:07 AM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

116,296

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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New York, NY Smithtown, NY 86 km

From you

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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 Smithtown, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 85% more than Smithtown, NY, 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 $3,979 in Smithtown, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Smithtown, NY, especially for central apartments: a one-bedroom in the center costs $1,561 there versus $4,555 in New York, NY.

Kindergarten costs $3,606 per month in New York, NY and $2,436 in Smithtown, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 23% more in New York, NY, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $4,906 in New York, NY and $2,653 in Smithtown, NY. You’ll need shared housing and careful budgeting no matter which city you pick.

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

For expats, Smithtown, NY is the easier option financially – housing and daily costs are lower, and overall it costs about 46% less, which matters a lot on a fixed budget or early-career salary.