Last update: Nov 2026

Cost of Living Comparison Between New York, NY and The Villages, FL

For one person, living is cheaper in The Villages, FL: $2,253 a month against $4,906 in New York, NY, rent and utilities included – about $31,800 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
107

Cost of Living Index in The Villages, FL
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The Villages, FL Living Index

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

The Villages, FL

🇺🇸 United States

$2,253

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in The Villages, FL

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 The Villages, FL actually costs, broken down by who's living it.

A single person spends $4,906 per month in New York, NY vs $2,253 in The Villages, FL, rent included.

New York, NY $4,906
The Villages, FL $2,253

A couple spends around $7,273 per month in New York, NY vs $3,540 in The Villages, FL, rent included.

New York, NY $7,273
The Villages, FL $3,540

A family of three spends $9,641 per month in New York, NY vs $4,828 in The Villages, FL, rent included.

New York, NY $9,641
The Villages, FL $4,828

New York, NY costs about 118% more than The Villages, FL, and outside of rent the biggest gap is in eating out.

Both New York, NY and The Villages, FL sit above the global median – New York, NY by 263%, The Villages, FL by 67%.

Meal at Budget Restaurant

$26.93 $26.93

$12.07 $12.07

123.12%

Three-Course Dinner for Two, Mid-Range

$117 $117

$76.2 $76.2

53.31%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$8.63 $8.63

69.18%

Cappuccino

$6.54 $6.54

$4.46 $4.46

46.64%

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

$3.86 $3.86

$2.45 $2.45

57.55%

Water (0.33 liter bottle)

$2.95 $2.95

$2.45 $2.45

20.41%

Local Beer (0.5 liter draught)

$8.08 $8.08

$5.05 $5.05

60.00%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$6.98 $6.98

41.12%

Milk (1 liter)

$1.31 $1.31

$1.05 $1.05

24.76%

White Bread (500g)

$4.97 $4.97

$3.48 $3.48

42.82%

Rice (white) (1kg)

$7.70 $7.70

$4.46 $4.46

72.65%

Eggs

$6.09 $6.09

$4.12 $4.12

47.82%

Local Cheese (1kg)

$19.55 $19.55

$12.36 $12.36

58.17%

Chicken Fillets (1kg)

$17.59 $17.59

$11.76 $11.76

49.57%

Beef Round Steak (1kg)

$20.26 $20.26

$18.41 $18.41

10.05%

Apples (1kg)

$6.99 $6.99

$5.12 $5.12

36.52%

Banana (1kg)

$2.21 $2.21

$1.30 $1.30

70.00%

Oranges (1kg)

$6.72 $6.72

$4.28 $4.28

57.01%

Tomato (1kg)

$7.12 $7.12

$4.77 $4.77

49.27%

Potato (1kg)

$4.61 $4.61

$3.08 $3.08

49.68%

Onion (1kg)

$4.78 $4.78

$3.15 $3.15

51.75%

Lettuce (1 head)

$2.87 $2.87

$2.18 $2.18

31.65%

Water (1.5 liter bottle)

$2.69 $2.69

$2.34 $2.34

14.96%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$9.12 $9.12

109.87%

Wine (Bottle)

$19.63 $19.63

$14.81 $14.81

32.55%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$2.23 $2.23

48.88%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.93 $2.93

43.00%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.02 $2.02

49.50%

Public Transport Monthly Pass (Regular Price)

$139 $139

$51.1 $51.1

172.66%

Taxi Start (Normal Tariff)

$3.04 $3.04

$3.70 $3.70

-17.84%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.73 $1.73

27.17%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$30.89 $30.89

33.80%

Gasoline (1 liter)

$1.13 $1.13

$0.81 $0.81

39.51%

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

$34.5K $34.5K

$26.1K $26.1K

31.78%

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

$25.8K $25.8K

$24.7K $24.7K

4.59%

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

$232 $232

$197 $197

17.68%

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

$71.0 $71.0

$59.4 $59.4

19.68%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$69.6 $69.6

-2.75%

Gym Membership (Monthly)

$115 $115

$40.45 $40.45

185.22%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$22.41 $22.41

$13.81 $13.81

62.27%

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

$3,606 $3,606

$1,353 $1,353

166.44%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$21.8K $21.8K

215.47%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$53.0 $53.0

49.61%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$42.26 $42.26

21.63%

Sport Shoes (Adidas, Nike)

$121 $121

$96.2 $96.2

25.84%

Men's Leather Business Shoes

$140 $140

$107 $107

31.50%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,450 $1,450

214.10%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$1,014 $1,014

199.93%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,755 $2,755

253.57%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,089 $2,089

155.22%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,805 $2,805

549.70%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,369 $2,369

182.17%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$6,529 $6,529

-21.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.47

6.49%

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 The Villages, FL: November 1, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

The Villages, FL

$1K 45% 66.7% $2K

Groceries & Markets

New York, NY

$567 11.6%

The Villages, FL

$404 17.9% 28.8% $163

Eating Out

New York, NY

$425 8.7%

The Villages, FL

$235 10.4% 44.8% $190

Monthly Utilities & Internet

New York, NY

$371 7.6%

The Villages, FL

$326 14.5% 12% $45

Clothing & Footwear

New York, NY

$176 3.6%

The Villages, FL

$134 6% 24% $42

Getting Around

New York, NY

$165 3.4%

The Villages, FL

$72 3.2% 56.8% $94

Sport & Entertainment

New York, NY

$160 3.3%

The Villages, FL

$68 3% 57.5% $92

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,450 in The Villages, FL. 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 28% higher in The Villages, FL, 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 $117 in New York, NY versus $76 in The Villages, FL. Monthly groceries follow the same trend: $567 vs $404 – making The Villages, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 The Villages, FL

🕒 Local time

20:41 8:41 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

79,077

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.895 EUR

Exchange rates and currency converter

On the map

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Between locations

New York, NY The Villages, FL 1,480 km ≈ 2 h 15 min nonstop flight

From you

New York, NY
The Villages, FL

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 The Villages, FL: Cost of Living - Frequently Asked Questions

New York, NY costs about 118% more than The Villages, FL, and outside of rent the gap comes mainly from 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 $7,358 per month in New York, NY and $3,379 in The Villages, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in The Villages, FL, especially for central apartments: a one-bedroom in the center costs $1,450 there versus $4,555 in New York, NY.

Kindergarten costs $3,606 per month in New York, NY and $1,353 in The Villages, FL. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 40% more in New York, NY, though the gap depends on what you buy.

A $2,500 monthly budget goes further in The Villages, FL, where all-in costs run around $2,253, than in New York, NY at $4,906. In The Villages, FL it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

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

For expats, The Villages, FL is the easier option financially – housing and daily costs are lower, and overall it costs about 54% less, which matters a lot on a fixed budget or early-career salary.