Last update: Oct 2026

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

For one person, living is cheaper in Troy, NY: $2,387 a month against $4,941 in New York, NY, rent and utilities included – about $30,600 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
115

Cost of Living Index in Troy, NY
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Troy, NY Living Index

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New York, NY

🇺🇸 United States

$4,941

/mo nomad

Troy, NY

🇺🇸 United States

$2,387

/mo nomad

Monthly Cost of Living

How much you'll spend in New York, NY and in Troy, 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 Troy, NY actually costs, broken down by who's living it.

A single person spends $4,941 per month in New York, NY vs $2,387 in Troy, NY, rent included.

New York, NY $4,941
Troy, NY $2,387

A couple spends around $7,225 per month in New York, NY vs $3,899 in Troy, NY, rent included.

New York, NY $7,225
Troy, NY $3,899

A family of three spends $9,509 per month in New York, NY vs $5,410 in Troy, NY, rent included.

New York, NY $9,509
Troy, NY $5,410

New York, NY costs about 107% more than Troy, NY, and outside of rent the biggest gap is in groceries.

Both New York, NY and Troy, NY sit above the global median – New York, NY by 263%, Troy, NY by 75%.

Meal at Budget Restaurant

$28.55 $28.55

$18.63 $18.63

53.25%

Three-Course Dinner for Two, Mid-Range

$118 $118

$75.7 $75.7

56.56%

Fast Food Meal (McDonalds, etc)

$15.04 $15.04

$11.94 $11.94

25.96%

Cappuccino

$6.53 $6.53

$6.40 $6.40

2.03%

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

$3.96 $3.96

$2.70 $2.70

46.67%

Water (0.33 liter bottle)

$3.01 $3.01

$1.94 $1.94

55.15%

Local Beer (0.5 liter draught)

$8.16 $8.16

$6.73 $6.73

21.25%

Imported Beer (0.33 liter bottle)

$9.84 $9.84

$7.42 $7.42

32.61%

Milk (1 liter)

$1.37 $1.37

$1.03 $1.03

33.01%

White Bread (500g)

$4.97 $4.97

$3.34 $3.34

48.80%

Rice (white) (1kg)

$7.81 $7.81

$4.55 $4.55

71.65%

Eggs

$5.97 $5.97

$3.95 $3.95

51.14%

Local Cheese (1kg)

$18.91 $18.91

$11.24 $11.24

68.24%

Chicken Fillets (1kg)

$18.04 $18.04

$13.32 $13.32

35.44%

Beef Round Steak (1kg)

$19.05 $19.05

$18.02 $18.02

5.72%

Apples (1kg)

$6.76 $6.76

$4.93 $4.93

37.12%

Banana (1kg)

$2.27 $2.27

$1.39 $1.39

63.31%

Oranges (1kg)

$6.83 $6.83

$5.42 $5.42

26.01%

Tomato (1kg)

$7.09 $7.09

$4.67 $4.67

51.82%

Potato (1kg)

$4.22 $4.22

$2.95 $2.95

43.05%

Onion (1kg)

$4.65 $4.65

$3.74 $3.74

24.33%

Lettuce (1 head)

$2.87 $2.87

$2.21 $2.21

29.86%

Water (1.5 liter bottle)

$2.60 $2.60

$2.02 $2.02

28.71%

Cigarettes 20 Pack (Marlboro, Camel)

$18.77 $18.77

$14.62 $14.62

28.39%

Wine (Bottle)

$20.13 $20.13

$13.76 $13.76

46.29%

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

$3.94 $3.94

2.03%

One-way Ticket (Public Transport)

$2.91 $2.91

$1.28 $1.28

127.34%

Public Transport Monthly Pass (Regular Price)

$139 $139

$65.9 $65.9

110.93%

Taxi Start (Normal Tariff)

$3.08 $3.08

$3.80 $3.80

-18.95%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.35 $1.35

57.04%

Taxi 1hour Waiting (Normal Tariff)

$41.96 $41.96

$29.92 $29.92

40.24%

Gasoline (1 liter)

$1.17 $1.17

$1.11 $1.11

5.41%

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

$34.5K $34.5K

$28.0K $28.0K

23.11%

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

$25.9K $25.9K

$26.3K $26.3K

-1.76%

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

$219 $219

$211 $211

3.98%

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

$74.2 $74.2

$58.8 $58.8

26.22%

Internet (50+ Mbps, Unlimited Data)

$70.2 $70.2

$75.8 $75.8

-7.42%

Gym Membership (Monthly)

$112 $112

$43.22 $43.22

159.02%

Tennis Court (1 Hour on Weekend)

$74.9 $74.9

Cinema Ticket

$22.14 $22.14

$14.71 $14.71

50.51%

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

$3,558 $3,558

$1,518 $1,518

134.34%

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

$17.3K $17.3K

260.16%

Jeans (Levis 501 Or Similar)

$75.6 $75.6

$54.9 $54.9

37.75%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$48.00 $48.00

6.67%

Sport Shoes (Adidas, Nike)

$123 $123

$101 $101

22.39%

Men's Leather Business Shoes

$140 $140

$120 $120

15.99%

1-bedroom Apartment, City Center (Monthly)

$4,499 $4,499

$1,277 $1,277

252.22%

1-bedroom Apartment, Outside City Center (Monthly)

$3,078 $3,078

$1,008 $1,008

205.38%

3-bedroom Apartment, City Center (Monthly)

$9,447 $9,447

$2,954 $2,954

219.77%

3-bedroom Apartment, Outside City Center (Monthly)

$5,190 $5,190

$2,399 $2,399

116.37%

Buy Apartment in City Center (m2)

$18.1K $18.1K

$2,635 $2,635

587.12%

Buy Apartment Outside City Center (m2)

$6,693 $6,693

$2,633 $2,633

154.16%

Average Monthly Net Salary (After Tax)

$5,220 $5,220

$7,694 $7,694

-32.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.86

6.66

3.00%

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 Troy, NY: 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%

Troy, NY

$1K 42.2% 67.3% $2.1K

Groceries & Markets

New York, NY

$563 11.4%

Troy, NY

$405 17% 28.1% $158

Eating Out

New York, NY

$440 8.9%

Troy, NY

$329 13.8% 25.3% $112

Monthly Utilities & Internet

New York, NY

$364 7.4%

Troy, NY

$346 14.5% 5% $18

Clothing & Footwear

New York, NY

$175 3.6%

Troy, NY

$146 6.1% 16.9% $30

Getting Around

New York, NY

$164 3.3%

Troy, NY

$82 3.4% 50.4% $83

Sport & Entertainment

New York, NY

$156 3.2%

Troy, NY

$73 3% 53.5% $84

Cost Breakdown

A central one-bedroom costs $4,499 in New York, NY versus $1,277 in Troy, NY. 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 47% higher in Troy, NY, 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 $76 in Troy, NY. Monthly groceries follow the same trend: $563 vs $405 – making Troy, NY the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Troy, NY

🕒 Local time

19:08 7:08 PM

Same time as New York, NY

🌤 Weather

👥 Population

8,804,190

51,401

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

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Between locations

New York, NY Troy, NY 240 km

From you

New York, NY
Troy, NY

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 Troy, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 107% more than Troy, 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 $7,412 per month in New York, NY and $3,581 in Troy, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Troy, NY, especially for central apartments: a one-bedroom in the center costs $1,277 there versus $4,499 in New York, NY.

Kindergarten costs $3,558 per month in New York, NY and $1,518 in Troy, NY. 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.

For digital nomads, it depends on budget. Troy, NY costs $2,387 versus $4,941 in New York, NY. Both appeal to remote workers, and the cost gap matters when income varies month to month.

For expats, Troy, NY is the easier option financially – housing and daily costs are lower, and overall it costs about 52% less, which matters a lot on a fixed budget or early-career salary.