Cost of Living Comparison Between New York, NY and Stillwater, MN Cost of Living Comparison Between New York, NY and Stillwater, MN

Monthly Cost of Living

A single person spends $4,503 per month in New York, NY vs $2,876 in Stillwater, MN, rent included.

A couple spends around $7,077 per month in New York, NY vs $4,012 in Stillwater, MN, rent included.

A family of three spends $9,650 per month in New York, NY vs $5,147 in Stillwater, MN, rent included.

New York, NY costs about 57% more than Stillwater, MN, driven mainly by Eating Out.

Both New York, NY and Stillwater, MN sit above the global median – New York, NY by 236%, Stillwater, MN by 115%.

Meal at Budget Restaurant

$30.28 $30.28

$17.65 $17.65

71.56%

Three-Course Dinner for Two, Mid-Range

$142 $142

$80.6 $80.6

76.53%

Fast Food Meal (McDonalds, etc)

$12.65 $12.65

$12.11 $12.11

4.46%

Cappuccino

$5.81 $5.81

$5.65 $5.65

2.83%

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

$3.26 $3.26

$1.97 $1.97

65.48%

Water (0.33 liter bottle)

$2.58 $2.58

$2.22 $2.22

16.22%

Local Beer (0.5 liter draught)

$8.19 $8.19

$6.23 $6.23

31.46%

Imported Beer (0.33 liter bottle)

$11.82 $11.82

$7.09 $7.09

66.71%

Milk (1 liter)

$1.53 $1.53

$0.93 $0.93

64.52%

White Bread (500g)

$5.27 $5.27

$3.57 $3.57

47.62%

Rice (white) (1kg)

$8.34 $8.34

$5.51 $5.51

51.36%

Eggs

$7.25 $7.25

$3.69 $3.69

96.48%

Local Cheese (1kg)

$17.29 $17.29

$11.09 $11.09

55.91%

Chicken Fillets (1kg)

$16.21 $16.21

$14.17 $14.17

14.40%

Beef Round Steak (1kg)

$19.82 $19.82

$16.34 $16.34

21.30%

Apples (1kg)

$7.57 $7.57

$6.52 $6.52

16.10%

Banana (1kg)

$2.42 $2.42

$1.84 $1.84

31.52%

Oranges (1kg)

$5.83 $5.83

$6.86 $6.86

-15.01%

Tomato (1kg)

$6.39 $6.39

$5.67 $5.67

12.70%

Potato (1kg)

$3.87 $3.87

$3.03 $3.03

27.72%

Onion (1kg)

$4.06 $4.06

$3.80 $3.80

6.84%

Lettuce (1 head)

$3.12 $3.12

$2.57 $2.57

21.40%

Water (1.5 liter bottle)

$2.45 $2.45

$2.33 $2.33

5.15%

Cigarettes 20 Pack (Marlboro, Camel)

$19.26 $19.26

$7.60 $7.60

153.42%

Wine (Bottle)

$19.96 $19.96

$15.73 $15.73

26.89%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$2.17 $2.17

37.79%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$4.94 $4.94

-24.49%

One-way Ticket (Public Transport)

$2.84 $2.84

$2.02 $2.02

40.59%

Public Transport Monthly Pass (Regular Price)

$134 $134

$82.2 $82.2

63.30%

Taxi Start (Normal Tariff)

$5.11 $5.11

$4.79 $4.79

6.68%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$1.70 $1.70

24.12%

Taxi 1hour Waiting (Normal Tariff)

$42.31 $42.31

$24.16 $24.16

75.12%

Gasoline (1 liter)

$0.97 $0.97

$0.86 $0.86

12.79%

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

$34.7K $34.7K

$30.3K $30.3K

14.70%

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

$27.8K $27.8K

$21.7K $21.7K

27.91%

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

$181 $181

$132 $132

37.78%

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

$60.2 $60.2

$51.4 $51.4

17.29%

Internet (50+ Mbps, Unlimited Data)

$62.5 $62.5

$68.0 $68.0

-8.16%

Gym Membership (Monthly)

$143 $143

$42.15 $42.15

239.53%

Tennis Court (1 Hour on Weekend)

$65.3 $65.3

Cinema Ticket

$19.98 $19.98

$15.25 $15.25

31.02%

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

$3,216 $3,216

$1,608 $1,608

99.95%

International Primary School, 1 Child (Yearly)

$57.2K $57.2K

$26.7K $26.7K

114.01%

Jeans (Levis 501 Or Similar)

$67.5 $67.5

$63.8 $63.8

5.83%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$43.11 $43.11

10.60%

Sport Shoes (Adidas, Nike)

$111 $111

$88.8 $88.8

25.24%

Men's Leather Business Shoes

$169 $169

$50.3 $50.3

235.84%

1-bedroom Apartment, City Center (Monthly)

$4,092 $4,092

$1,471 $1,471

178.18%

1-bedroom Apartment, Outside City Center (Monthly)

$2,694 $2,694

$1,622 $1,622

66.07%

3-bedroom Apartment, City Center (Monthly)

$8,445 $8,445

$2,130 $2,130

296.43%

3-bedroom Apartment, Outside City Center (Monthly)

$5,128 $5,128

$2,246 $2,246

128.33%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$3,008 $3,008

504.28%

Buy Apartment Outside City Center (m2)

$6,299 $6,299

$2,917 $2,917

115.91%

Average Monthly Net Salary (After Tax)

$5,540 $5,540

$6,439 $6,439

-13.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.51

-1.08%

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

Last update for New York, NY: June 1, 2026

Last update for Stillwater, MN: May 30, 2026

Cost Breakdown

A central one-bedroom costs $4,092 in New York, NY versus $1,471 in Stillwater, MN. 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 16% higher in Stillwater, MN, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $142 in New York, NY versus $81.0 in Stillwater, MN. Monthly groceries follow the same trend: $554 vs $441 – making Stillwater, MN 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 Stillwater, MN: Cost of Living - Frequently Asked Questions

New York, NY costs about 57% more than Stillwater, MN, 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 $6,754 per month in New York, NY and $4,313 in Stillwater, MN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $3,216 per month in New York, NY and $1,608 in Stillwater, MN. 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.

$2,000 is a stretch for both – monthly costs hit $4,503 in New York, NY and $2,876 in Stillwater, MN. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Stillwater, MN costs $2,876 versus $4,503 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 Stillwater, MN. 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.