Last update: Oct 2026

Cost of Living Comparison Between Owensboro, KY and New York, NY

For one person, living is cheaper in Owensboro, KY: $1,977 a month against $4,941 in New York, NY, rent and utilities included – about $35,600 less a year. Rent and utilities account for most of the difference.

95

Cost of Living Index in Owensboro, KY
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Owensboro, KY Living Index
239

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

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Owensboro, KY

🇺🇸 United States

$1,977

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Owensboro, KY and in New York, NY

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Owensboro, KY and in New York, NY actually costs, broken down by who's living it.

A single person spends $1,977 per month in Owensboro, KY vs $4,941 in New York, NY, rent included.

Owensboro, KY $1,977
New York, NY $4,941

A couple spends around $2,919 per month in Owensboro, KY vs $7,225 in New York, NY, rent included.

Owensboro, KY $2,919
New York, NY $7,225

A family of three spends $3,861 per month in Owensboro, KY vs $9,509 in New York, NY, rent included.

Owensboro, KY $3,861
New York, NY $9,509

Owensboro, KY is about 60% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Owensboro, KY and New York, NY sit above the global median – Owensboro, KY by 45%, New York, NY by 263%.

Meal at Budget Restaurant

$19.39 $19.39

$28.55 $28.55

-32.08%

Three-Course Dinner for Two, Mid-Range

$59.8 $59.8

$118 $118

-49.48%

Fast Food Meal (McDonalds, etc)

$9.82 $9.82

$15.04 $15.04

-34.71%

Cappuccino

$5.53 $5.53

$6.53 $6.53

-15.31%

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

$1.88 $1.88

$3.96 $3.96

-52.53%

Water (0.33 liter bottle)

$1.35 $1.35

$3.01 $3.01

-55.15%

Local Beer (0.5 liter draught)

$3.99 $3.99

$8.16 $8.16

-51.10%

Imported Beer (0.33 liter bottle)

$4.96 $4.96

$9.84 $9.84

-49.59%

Milk (1 liter)

$0.79 $0.79

$1.37 $1.37

-42.34%

White Bread (500g)

$3.24 $3.24

$4.97 $4.97

-34.81%

Rice (white) (1kg)

$4.28 $4.28

$7.81 $7.81

-45.20%

Eggs

$3.02 $3.02

$5.97 $5.97

-49.41%

Local Cheese (1kg)

$6.67 $6.67

$18.91 $18.91

-64.73%

Chicken Fillets (1kg)

$11.01 $11.01

$18.04 $18.04

-38.97%

Beef Round Steak (1kg)

$12.10 $12.10

$19.05 $19.05

-36.48%

Apples (1kg)

$4.34 $4.34

$6.76 $6.76

-35.80%

Banana (1kg)

$1.24 $1.24

$2.27 $2.27

-45.37%

Oranges (1kg)

$2.69 $2.69

$6.83 $6.83

-60.61%

Tomato (1kg)

$3.56 $3.56

$7.09 $7.09

-49.79%

Potato (1kg)

$2.27 $2.27

$4.22 $4.22

-46.21%

Onion (1kg)

$2.17 $2.17

$4.65 $4.65

-53.33%

Lettuce (1 head)

$2.06 $2.06

$2.87 $2.87

-28.22%

Water (1.5 liter bottle)

$1.51 $1.51

$2.60 $2.60

-41.92%

Cigarettes 20 Pack (Marlboro, Camel)

$8.73 $8.73

$18.77 $18.77

-53.49%

Wine (Bottle)

$7.85 $7.85

$20.13 $20.13

-61.00%

Local Beer (0.5 liter bottle)

$1.86 $1.86

$3.45 $3.45

-46.09%

Imported Beer (0.33 liter bottle)

$4.94 $4.94

$4.02 $4.02

22.89%

One-way Ticket (Public Transport)

$1.02 $1.02

$2.91 $2.91

-64.95%

Public Transport Monthly Pass (Regular Price)

$30.58 $30.58

$139 $139

-77.99%

Taxi Start (Normal Tariff)

$5.54 $5.54

$3.08 $3.08

79.87%

Taxi (Normal Tariff) (1km)

$1.04 $1.04

$2.12 $2.12

-50.94%

Taxi 1hour Waiting (Normal Tariff)

$18.13 $18.13

$41.96 $41.96

-56.79%

Gasoline (1 liter)

$0.86 $0.86

$1.17 $1.17

-26.50%

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

$27.9K $27.9K

$34.5K $34.5K

-19.11%

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

$27.2K $27.2K

$25.9K $25.9K

5.19%

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

$172 $172

$219 $219

-21.65%

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

$60.9 $60.9

$74.2 $74.2

-17.98%

Internet (50+ Mbps, Unlimited Data)

$59.7 $59.7

$70.2 $70.2

-14.93%

Gym Membership (Monthly)

$49.91 $49.91

$112 $112

-55.42%

Tennis Court (1 Hour on Weekend)

$10.17 $10.17

$74.9 $74.9

-86.41%

Cinema Ticket

$13.19 $13.19

$22.14 $22.14

-40.42%

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

$3,558 $3,558

International Primary School, 1 Child (Yearly)

$62.2K $62.2K

Jeans (Levis 501 Or Similar)

$74.5 $74.5

$75.6 $75.6

-1.51%

Summer Dress (H&M, Zara, etc)

$43.29 $43.29

$51.2 $51.2

-15.45%

Sport Shoes (Adidas, Nike)

$68.0 $68.0

$123 $123

-44.77%

Men's Leather Business Shoes

$89.3 $89.3

$140 $140

-36.13%

1-bedroom Apartment, City Center (Monthly)

$844 $844

$4,499 $4,499

-81.24%

1-bedroom Apartment, Outside City Center (Monthly)

$834 $834

$3,078 $3,078

-72.90%

3-bedroom Apartment, City Center (Monthly)

$1,441 $1,441

$9,447 $9,447

-84.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,364 $1,364

$5,190 $5,190

-73.73%

Buy Apartment in City Center (m2)

$1,744 $1,744

$18.1K $18.1K

-90.37%

Buy Apartment Outside City Center (m2)

$1,738 $1,738

$6,693 $6,693

-74.03%

Average Monthly Net Salary (After Tax)

$3,362 $3,362

$5,220 $5,220

-35.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.55

6.86

-4.52%

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

Last update for Owensboro, KY: October 24, 2026

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

Monthly budget structure

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

Accommodation & Living

Owensboro, KY

$834 42.2%

New York, NY

$3.1K 62.3% 269% $2.2K

Groceries & Markets

Owensboro, KY

$311 15.7%

New York, NY

$563 11.4% 81.1% $252

Eating Out

Owensboro, KY

$294 14.9%

New York, NY

$440 8.9% 49.9% $147

Monthly Utilities & Internet

Owensboro, KY

$293 14.8%

New York, NY

$364 7.4% 24.4% $71

Clothing & Footwear

Owensboro, KY

$124 6.3%

New York, NY

$175 3.6% 41.7% $52

Sport & Entertainment

Owensboro, KY

$76 3.9%

New York, NY

$156 3.2% 105% $80

Getting Around

Owensboro, KY

$45 2.3%

New York, NY

$164 3.3% 262% $119

Cost Breakdown

A central one-bedroom costs $844 in Owensboro, KY versus $4,499 in New York, 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 55% 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 $60 in Owensboro, KY versus $118 in New York, NY. Monthly groceries follow the same trend: $311 vs $563 – making Owensboro, KY the more affordable choice for daily food spending.

Good to know

🇺🇸 Owensboro, KY

🇺🇸 New York, NY

🕒 Local time

09:11 9:11 AM

10:11 10:11 AM

1 h ahead of Owensboro, KY

🌤 Weather

👥 Population

55,525

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

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Between locations

Owensboro, KY New York, NY 1,160 km ≈ 2 h nonstop flight

From you

Owensboro, KY
New York, 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

Owensboro, KY vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 150% more than Owensboro, KY, 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 $2,965 per month in Owensboro, KY and $7,412 in New York, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Owensboro, KY, especially for central apartments: a one-bedroom in the center costs $844 there versus $4,499 in New York, NY.

Monthly expenses with rent come to $1,977 in Owensboro, KY and $4,941 in New York, NY. That’s a gap of about 150%.

A mid-range dinner for two costs $60 in Owensboro, KY and $118 in New York, NY. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

It depends on your priorities. New York, NY has an edge in some lifestyle areas, with costs from $1,977 in Owensboro, KY to $4,941 in New York, NY. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Owensboro, KY. 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.