Cost of Living Comparison Between New York, NY and Waltham, MA Cost of Living Comparison Between New York, NY and Waltham, MA

Monthly Cost of Living

A single person spends $4,503 per month in New York, NY vs $3,969 in Waltham, MA, rent included.

A couple spends around $7,077 per month in New York, NY vs $6,092 in Waltham, MA, rent included.

A family of three spends $9,650 per month in New York, NY vs $8,215 in Waltham, MA, rent included.

New York, NY costs about 13% more than Waltham, MA, driven mainly by Eating Out.

Both New York, NY and Waltham, MA sit above the global median – New York, NY by 236%, Waltham, MA by 196%.

Meal at Budget Restaurant

$30.28 $30.28

$18.97 $18.97

59.62%

Three-Course Dinner for Two, Mid-Range

$142 $142

$98.7 $98.7

44.24%

Fast Food Meal (McDonalds, etc)

$12.65 $12.65

$11.03 $11.03

14.69%

Cappuccino

$5.81 $5.81

$4.60 $4.60

26.30%

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

$3.26 $3.26

$2.74 $2.74

18.98%

Water (0.33 liter bottle)

$2.58 $2.58

$2.13 $2.13

21.13%

Local Beer (0.5 liter draught)

$8.19 $8.19

$6.18 $6.18

32.52%

Imported Beer (0.33 liter bottle)

$11.82 $11.82

$7.55 $7.55

56.56%

Milk (1 liter)

$1.53 $1.53

$1.27 $1.27

20.47%

White Bread (500g)

$5.27 $5.27

$3.34 $3.34

57.78%

Rice (white) (1kg)

$8.34 $8.34

$3.98 $3.98

109.55%

Eggs

$7.25 $7.25

$4.79 $4.79

51.36%

Local Cheese (1kg)

$17.29 $17.29

$16.49 $16.49

4.85%

Chicken Fillets (1kg)

$16.21 $16.21

$10.61 $10.61

52.78%

Beef Round Steak (1kg)

$19.82 $19.82

$20.42 $20.42

-2.94%

Apples (1kg)

$7.57 $7.57

$5.71 $5.71

32.57%

Banana (1kg)

$2.42 $2.42

$2.22 $2.22

9.01%

Oranges (1kg)

$5.83 $5.83

$5.92 $5.92

-1.52%

Tomato (1kg)

$6.39 $6.39

$7.89 $7.89

-19.01%

Potato (1kg)

$3.87 $3.87

$4.35 $4.35

-11.03%

Onion (1kg)

$4.06 $4.06

$2.38 $2.38

70.59%

Lettuce (1 head)

$3.12 $3.12

$2.85 $2.85

9.47%

Water (1.5 liter bottle)

$2.45 $2.45

$1.46 $1.46

67.81%

Cigarettes 20 Pack (Marlboro, Camel)

$19.26 $19.26

$11.05 $11.05

74.30%

Wine (Bottle)

$19.96 $19.96

$14.73 $14.73

35.51%

Local Beer (0.5 liter bottle)

$2.99 $2.99

$2.14 $2.14

39.72%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$2.96 $2.96

26.01%

One-way Ticket (Public Transport)

$2.84 $2.84

$2.29 $2.29

24.02%

Public Transport Monthly Pass (Regular Price)

$134 $134

$60.0 $60.0

123.86%

Taxi Start (Normal Tariff)

$5.11 $5.11

$2.55 $2.55

100.39%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$1.71 $1.71

23.39%

Taxi 1hour Waiting (Normal Tariff)

$42.31 $42.31

$28.41 $28.41

48.93%

Gasoline (1 liter)

$0.97 $0.97

$0.84 $0.84

15.48%

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

$34.7K $34.7K

$29.4K $29.4K

18.08%

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

$27.8K $27.8K

$25.4K $25.4K

9.42%

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

$181 $181

$323 $323

-43.87%

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

$60.2 $60.2

$56.8 $56.8

6.15%

Internet (50+ Mbps, Unlimited Data)

$62.5 $62.5

$79.2 $79.2

-21.09%

Gym Membership (Monthly)

$143 $143

$42.18 $42.18

239.28%

Tennis Court (1 Hour on Weekend)

$65.3 $65.3

Cinema Ticket

$19.98 $19.98

$14.95 $14.95

33.65%

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

$3,216 $3,216

$1,525 $1,525

110.82%

International Primary School, 1 Child (Yearly)

$57.2K $57.2K

$27.0K $27.0K

111.46%

Jeans (Levis 501 Or Similar)

$67.5 $67.5

$67.0 $67.0

0.75%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$32.13 $32.13

48.40%

Sport Shoes (Adidas, Nike)

$111 $111

$65.2 $65.2

70.57%

Men's Leather Business Shoes

$169 $169

$83.6 $83.6

101.84%

1-bedroom Apartment, City Center (Monthly)

$4,092 $4,092

$2,715 $2,715

50.71%

1-bedroom Apartment, Outside City Center (Monthly)

$2,694 $2,694

$2,516 $2,516

7.08%

3-bedroom Apartment, City Center (Monthly)

$8,445 $8,445

$4,285 $4,285

97.08%

3-bedroom Apartment, Outside City Center (Monthly)

$5,128 $5,128

$4,942 $4,942

3.75%

Buy Apartment in City Center (m2)

$18.2K $18.2K

Buy Apartment Outside City Center (m2)

$6,299 $6,299

Average Monthly Net Salary (After Tax)

$5,540 $5,540

$5,076 $5,076

9.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.43

0.16%

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 Waltham, MA: May 30, 2026

Cost Breakdown

A central one-bedroom costs $4,092 in New York, NY versus $2,715 in Waltham, MA. 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 9% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $142 in New York, NY versus $99.0 in Waltham, MA. Monthly groceries follow the same trend: $554 vs $443 – making Waltham, MA 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 Waltham, MA: Cost of Living - Frequently Asked Questions

New York, NY costs about 13% more than Waltham, MA, 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 $5,954 in Waltham, MA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Waltham, MA, 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 $1,525 in Waltham, MA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 25% 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 $3,969 in Waltham, MA. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Waltham, MA costs $3,969 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 Waltham, MA. 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.