Last update: Oct 2026

Cost of Living Comparison Between New York, NY and Tracy, CA

For one person, living is cheaper in Tracy, CA: $2,326 a month against $4,941 in New York, NY, rent and utilities included – about $31,400 less a year. Rent and utilities account for most of the difference.

239

Cost of Living Index in New York, NY
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New York, NY Living Index
112

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Tracy, CA

🇺🇸 United States

$2,326

/mo nomad

Monthly Cost of Living

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

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 Tracy, CA actually costs, broken down by who's living it.

A single person spends $4,941 per month in New York, NY vs $2,326 in Tracy, CA, rent included.

New York, NY $4,941
Tracy, CA $2,326

A couple spends around $7,225 per month in New York, NY vs $2,588 in Tracy, CA, rent included.

New York, NY $7,225
Tracy, CA $2,588

A family of three spends $9,509 per month in New York, NY vs $2,850 in Tracy, CA, rent included.

New York, NY $9,509
Tracy, CA $2,850

New York, NY costs about 112% more than Tracy, CA, and outside of rent the biggest gap is in groceries.

Both New York, NY and Tracy, CA sit above the global median – New York, NY by 263%, Tracy, CA by 71%.

Meal at Budget Restaurant

$28.55 $28.55

$19.79 $19.79

44.26%

Three-Course Dinner for Two, Mid-Range

$118 $118

$50.6 $50.6

134.00%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$10.14 $10.14

48.32%

Cappuccino

$6.53 $6.53

$4.54 $4.54

43.83%

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

$3.96 $3.96

$2.94 $2.94

34.69%

Water (0.33 liter bottle)

$3.01 $3.01

$1.87 $1.87

60.96%

Local Beer (0.5 liter draught)

$8.16 $8.16

$6.08 $6.08

34.21%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$7.39 $7.39

33.15%

Milk (1 liter)

$1.37 $1.37

$1.31 $1.31

4.58%

White Bread (500g)

$4.97 $4.97

$4.34 $4.34

14.52%

Rice (white) (1kg)

$7.81 $7.81

$5.48 $5.48

42.52%

Eggs

$5.97 $5.97

$3.48 $3.48

71.55%

Local Cheese (1kg)

$18.91 $18.91

$16.48 $16.48

14.75%

Chicken Fillets (1kg)

$18.04 $18.04

$10.96 $10.96

64.60%

Beef Round Steak (1kg)

$19.05 $19.05

$15.32 $15.32

24.35%

Apples (1kg)

$6.76 $6.76

$4.46 $4.46

51.57%

Banana (1kg)

$2.27 $2.27

$2.26 $2.26

0.44%

Oranges (1kg)

$6.83 $6.83

$4.37 $4.37

56.29%

Tomato (1kg)

$7.09 $7.09

$4.52 $4.52

56.86%

Potato (1kg)

$4.22 $4.22

$2.16 $2.16

95.37%

Onion (1kg)

$4.65 $4.65

$3.38 $3.38

37.57%

Lettuce (1 head)

$2.87 $2.87

$2.03 $2.03

41.38%

Water (1.5 liter bottle)

$2.60 $2.60

$1.97 $1.97

31.98%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$11.98 $11.98

56.68%

Wine (Bottle)

$20.13 $20.13

$13.24 $13.24

52.04%

Local Beer (0.5 liter bottle)

$3.45 $3.45

$2.01 $2.01

71.64%

Imported Beer (0.33 liter bottle)

$4.02 $4.02

$2.90 $2.90

38.62%

One-way Ticket (Public Transport)

$2.91 $2.91

Public Transport Monthly Pass (Regular Price)

$139 $139

$66.0 $66.0

110.52%

Taxi Start (Normal Tariff)

$3.08 $3.08

$2.44 $2.44

26.23%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.87 $1.87

13.37%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$29.55 $29.55

42.00%

Gasoline (1 liter)

$1.17 $1.17

$1.51 $1.51

-22.52%

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

$34.5K $34.5K

$27.6K $27.6K

24.79%

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

$25.9K $25.9K

$26.5K $26.5K

-2.49%

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

$219 $219

$181 $181

21.33%

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

$74.2 $74.2

$49.27 $49.27

50.68%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$76.7 $76.7

-8.51%

Gym Membership (Monthly)

$112 $112

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$22.14 $22.14

$15.26 $15.26

45.09%

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

$3,558 $3,558

$2,566 $2,566

38.63%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$35.6K $35.6K

74.49%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$71.2 $71.2

6.13%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$69.9 $69.9

-26.76%

Sport Shoes (Adidas, Nike)

$123 $123

$94.5 $94.5

30.34%

Men's Leather Business Shoes

$140 $140

$236 $236

-40.80%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,818 $1,818

147.41%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$986 $986

212.35%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

Buy Apartment in City Center (m2)

$18.1K $18.1K

$3,718 $3,718

387.03%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$5,588 $5,588

-6.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.62

3.63%

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

Last update for New York, NY: October 26, 2026

Last update for Tracy, CA: October 24, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3.1K 62.3%

Tracy, CA

$986 42.4% 68% $2.1K

Groceries & Markets

New York, NY

$563 11.4%

Tracy, CA

$406 17.4% 27.9% $157

Eating Out

New York, NY

$440 8.9%

Tracy, CA

$308 13.2% 30.1% $133

Monthly Utilities & Internet

New York, NY

$364 7.4%

Tracy, CA

$307 13.2% 15.7% $57

Clothing & Footwear

New York, NY

$175 3.6%

Tracy, CA

$212 9.1% 21% $37

Getting Around

New York, NY

$164 3.3%

Tracy, CA

$78 * 3.3% 52.6% $86

Sport & Entertainment

New York, NY

$156 3.2%

Tracy, CA

$31 * 1.3% 80.5% $126

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $4,499 in New York, NY versus $1,818 in Tracy, CA. 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 7% higher in Tracy, CA, 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 $118 in New York, NY versus $51 in Tracy, CA. Monthly groceries follow the same trend: $563 vs $406 – making Tracy, CA the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Tracy, CA

🕒 Local time

08:55 8:55 AM

05:55 5:55 AM

3 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

98,337

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

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Between locations

New York, NY Tracy, CA 4,030 km ≈ 6 h nonstop flight

From you

New York, NY
Tracy, CA

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 Tracy, CA: Cost of Living - Frequently Asked Questions

New York, NY costs about 112% more than Tracy, CA, 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 $7,412 per month in New York, NY and $3,490 in Tracy, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Tracy, CA, especially for central apartments: a one-bedroom in the center costs $1,818 there versus $4,499 in New York, NY.

Kindergarten costs $3,558 per month in New York, NY and $2,566 in Tracy, CA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 39% more in New York, NY, though the gap depends on what you buy.

$2,000 is a stretch for both – monthly costs hit $4,941 in New York, NY and $2,326 in Tracy, CA. You’ll need shared housing and careful budgeting no matter which city you pick.

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

For expats, Tracy, CA is the easier option financially – housing and daily costs are lower, and overall it costs about 53% less, which matters a lot on a fixed budget or early-career salary.