Last update: Oct 2026

Cost of Living Comparison Between Oyster Bay, NY and Calgary

For one person, living is cheaper in Calgary: $2,232 a month against $2,712 in Oyster Bay, NY, rent and utilities included – about $5,800 less a year. Rent and utilities account for most of the difference.

132

Cost of Living Index in Oyster Bay, NY
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Oyster Bay, NY Living Index
109

Cost of Living Index in Calgary
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Calgary Living Index

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Oyster Bay, NY

🇺🇸 United States

$2,712

/mo nomad

Calgary

🇨🇦 Canada

$2,232

/mo nomad

Monthly Cost of Living

How much you'll spend in Oyster Bay, NY and in Calgary

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

Monthly costs for one person with rent: $2,712 in Oyster Bay, NY versus $2,232 in Calgary.

Oyster Bay, NY $2,712
Calgary $2,232

Estimated couple costs with rent: $4,049 in Oyster Bay, NY versus $3,363 in Calgary.

Oyster Bay, NY $4,049
Calgary $3,363

Monthly costs for a family of three with rent: $5,386 in Oyster Bay, NY versus $4,493 in Calgary.

Oyster Bay, NY $5,386
Calgary $4,493

Living in Oyster Bay, NY is roughly 21% more expensive than in Calgary, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Oyster Bay, NY 102% above, Calgary 67% above.

Meal at Budget Restaurant

$25.15 $25.15

$17.22 CA$24.54

46.05%

Three-Course Dinner for Two, Mid-Range

$101 $101

$71.2 CA$101

41.52%

Fast Food Meal (McDonalds, etc)

$13.14 $13.14

$10.56 CA$15.06

24.43%

Cappuccino

$5.43 $5.43

$3.77 CA$5.38

44.03%

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

$2.22 $2.22

$1.91 CA$2.73

16.23%

Water (0.33 liter bottle)

$1.59 $1.59

$1.84 CA$2.63

-13.59%

Local Beer (0.5 liter draught)

$8.80 $8.80

$4.86 CA$6.93

81.07%

Imported Beer (0.33 liter bottle)

$8.19 $8.19

$5.55 CA$7.91

47.57%

Milk (1 liter)

$1.26 $1.26

$1.88 CA$2.68

-32.98%

White Bread (500g)

$4.30 $4.30

$2.73 CA$3.89

57.51%

Rice (white) (1kg)

$6.07 $6.07

$5.34 CA$7.61

13.67%

Eggs

$5.92 $5.92

$3.77 CA$5.37

57.03%

Local Cheese (1kg)

$13.91 $13.91

$11.29 CA$16.09

23.21%

Chicken Fillets (1kg)

$10.21 $10.21

$11.46 CA$16.34

-10.91%

Beef Round Steak (1kg)

$19.48 $19.48

$18.26 CA$26.03

6.68%

Apples (1kg)

$5.32 $5.32

$4.64 CA$6.62

14.66%

Banana (1kg)

$1.71 $1.71

$1.44 CA$2.05

18.75%

Oranges (1kg)

$4.33 $4.33

$4.22 CA$6.02

2.61%

Tomato (1kg)

$5.26 $5.26

$3.86 CA$5.50

36.27%

Potato (1kg)

$3.13 $3.13

$2.62 CA$3.74

19.47%

Onion (1kg)

$3.33 $3.33

$2.66 CA$3.79

25.19%

Lettuce (1 head)

$2.80 $2.80

$2.59 CA$3.69

8.11%

Water (1.5 liter bottle)

$2.94 $2.94

$1.53 CA$2.19

92.16%

Cigarettes 20 Pack (Marlboro, Camel)

$11.18 $11.18

$14.26 CA$20.32

-21.60%

Wine (Bottle)

$14.72 $14.72

$15.27 CA$21.76

-3.60%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.41 CA$3.44

-26.56%

Imported Beer (0.33 liter bottle)

$3.68 $3.68

$3.09 CA$4.41

19.09%

One-way Ticket (Public Transport)

$1.84 $1.84

$2.88 CA$4.11

-36.11%

Public Transport Monthly Pass (Regular Price)

$88.7 CA$126

Taxi Start (Normal Tariff)

$2.98 $2.98

$3.23 CA$4.61

-7.74%

Taxi (Normal Tariff) (1km)

$2.03 $2.03

$1.38 CA$1.97

47.10%

Taxi 1hour Waiting (Normal Tariff)

$23.68 $23.68

$26.49 CA$37.75

-10.61%

Gasoline (1 liter)

$1.11 $1.11

$1.18 CA$1.68

-5.93%

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

$35.0K $35.0K

$28.3K CA$40.3K

23.82%

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

$25.7K $25.7K

$20.7K CA$29.5K

23.92%

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

$213 $213

$159 CA$227

34.03%

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

$75.5 $75.5

$37.61 CA$53.6

100.85%

Internet (50+ Mbps, Unlimited Data)

$65.5 $65.5

$49.68 CA$70.8

31.84%

Gym Membership (Monthly)

$42.21 $42.21

$53.3 CA$75.9

-20.73%

Tennis Court (1 Hour on Weekend)

$18.31 CA$26.10

Cinema Ticket

$14.84 $14.84

$14.08 CA$20.06

5.40%

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

$2,027 $2,027

$809 CA$1,154

150.43%

International Primary School, 1 Child (Yearly)

$16.2K $16.2K

$15.9K CA$22.6K

2.48%

Jeans (Levis 501 Or Similar)

$49.70 $49.70

$58.8 CA$83.8

-15.43%

Summer Dress (H&M, Zara, etc)

$57.6 $57.6

$38.84 CA$55.4

48.40%

Sport Shoes (Adidas, Nike)

$87.8 $87.8

$91.4 CA$130

-3.95%

Men's Leather Business Shoes

$152 $152

$109 CA$155

39.23%

1-bedroom Apartment, City Center (Monthly)

$1,622 $1,622

$1,237 CA$1,764

31.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,277 $1,277

$996 CA$1,420

28.25%

3-bedroom Apartment, City Center (Monthly)

$2,458 $2,458

$1,908 CA$2,720

28.82%

3-bedroom Apartment, Outside City Center (Monthly)

$2,187 $2,187

$1,671 CA$2,382

30.87%

Buy Apartment in City Center (m2)

$2,410 $2,410

$3,530 CA$5,032

-31.73%

Buy Apartment Outside City Center (m2)

$2,501 $2,501

$3,336 CA$4,755

-25.02%

Average Monthly Net Salary (After Tax)

$7,046 $7,046

$3,130 CA$4,461

125.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

4.51

49.67%

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

Last update for Oyster Bay, NY: October 4, 2026

Last update for Calgary: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Oyster Bay, NY

$1.3K 47.2%

Calgary

$996 44.8% 22% $281

Groceries & Markets

Oyster Bay, NY

$443 16.4%

Calgary

$387 17.4% 12.7% $56

Eating Out

Oyster Bay, NY

$381 14.1%

Calgary

$265 11.9% 30.5% $116

Monthly Utilities & Internet

Oyster Bay, NY

$354 13.1%

Calgary

$247 11.1% 30.4% $108

Clothing & Footwear

Oyster Bay, NY

$156 5.8%

Calgary

$134 6% 14.1% $22

Sport & Entertainment

Oyster Bay, NY

$72 2.7%

Calgary

$81 3.7% 13.2% $9.5

Getting Around

Oyster Bay, NY

$21 * 0.8%

Calgary

$110 5% 438% $90

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,622 in Oyster Bay, NY and $1,237 in Calgary. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays 125% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $101 in Oyster Bay, NY vs $71.0 in Calgary for a mid-range dinner for two. Groceries echo the gap at $443 vs $387 per month, with Calgary cheaper across the board.

Good to know

🇺🇸 Oyster Bay, NY

🇨🇦 Calgary

🕒 Local time

19:59 7:59 PM

17:59 5:59 PM

2 h behind Oyster Bay, NY

🌤 Weather

👥 Population

301,332

1,267,344

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 11, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 11, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

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Oyster Bay, NY Calgary 3,290 km ≈ 4 h 30 min nonstop flight

From you

Oyster Bay, NY
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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

Oyster Bay, NY vs Calgary: Cost of Living - Frequently Asked Questions

Calgary is cheaper overall, especially in groceries, eating out, and clothing. The 21% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 125% higher in Oyster Bay, NY, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,622 in Oyster Bay, NY versus $1,237 in Calgary. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,027 in Oyster Bay, NY versus $809 in Calgary. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Calgary – a meal for two runs $71.0 versus $101 in Oyster Bay, NY. If you eat out regularly, this makes a real dent in your monthly spending.

At $2,232 in Calgary versus $2,712 in Oyster Bay, NY, a $2,500 budget is realistic in Calgary but tight or insufficient in Oyster Bay, NY. The gap between the two cities makes Calgary the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Oyster Bay, NY and Calgary are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Calgary gentler on the wallet – expenses run 21% less than in Oyster Bay, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.