Last update: Oct 2026

Cost of Living Comparison Between Oyster Bay, NY and Seattle, WA

For one person, living is cheaper in Oyster Bay, NY: $2,743 a month against $3,782 in Seattle, WA, rent and utilities included – about $12,500 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
184

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index

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Oyster Bay, NY

🇺🇸 United States

$2,743

/mo nomad

Seattle, WA

🇺🇸 United States

$3,782

/mo nomad

Monthly Cost of Living

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

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 Seattle, WA actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,743 in Oyster Bay, NY versus $3,782 in Seattle, WA.

Oyster Bay, NY $2,743
Seattle, WA $3,782

Estimated couple costs with rent: $4,068 in Oyster Bay, NY versus $5,636 in Seattle, WA.

Oyster Bay, NY $4,068
Seattle, WA $5,636

Monthly costs for a family of three with rent: $5,394 in Oyster Bay, NY versus $7,489 in Seattle, WA.

Oyster Bay, NY $5,394
Seattle, WA $7,489

Living in Oyster Bay, NY costs roughly 27% less than in Seattle, WA, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Oyster Bay, NY 102% above, Seattle, WA 179% above.

Meal at Budget Restaurant

$25.25 $25.25

$24.52 $24.52

2.98%

Three-Course Dinner for Two, Mid-Range

$102 $102

$98.2 $98.2

3.58%

Fast Food Meal (McDonalds, etc)

$13.09 $13.09

$14.79 $14.79

-11.49%

Cappuccino

$5.57 $5.57

$6.52 $6.52

-14.57%

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

$2.13 $2.13

$3.23 $3.23

-34.06%

Water (0.33 liter bottle)

$1.53 $1.53

$3.17 $3.17

-51.74%

Local Beer (0.5 liter draught)

$9.21 $9.21

$7.85 $7.85

17.32%

Imported Beer (0.33 liter bottle)

$8.06 $8.06

$8.03 $8.03

0.37%

Milk (1 liter)

$1.31 $1.31

$1.21 $1.21

8.26%

White Bread (500g)

$4.23 $4.23

$5.14 $5.14

-17.70%

Rice (white) (1kg)

$5.89 $5.89

$6.05 $6.05

-2.64%

Eggs

$5.92 $5.92

$4.88 $4.88

21.31%

Local Cheese (1kg)

$13.85 $13.85

$19.18 $19.18

-27.79%

Chicken Fillets (1kg)

$10.37 $10.37

$18.91 $18.91

-45.16%

Beef Round Steak (1kg)

$19.57 $19.57

$23.31 $23.31

-16.04%

Apples (1kg)

$5.25 $5.25

$5.99 $5.99

-12.35%

Banana (1kg)

$1.76 $1.76

$1.93 $1.93

-8.81%

Oranges (1kg)

$4.14 $4.14

$5.25 $5.25

-21.14%

Tomato (1kg)

$5.29 $5.29

$6.57 $6.57

-19.48%

Potato (1kg)

$3.14 $3.14

$3.62 $3.62

-13.26%

Onion (1kg)

$3.39 $3.39

$3.31 $3.31

2.42%

Lettuce (1 head)

$2.84 $2.84

$2.78 $2.78

2.16%

Water (1.5 liter bottle)

$2.94 $2.94

$2.51 $2.51

17.13%

Cigarettes 20 Pack (Marlboro, Camel)

$11.75 $11.75

$12.18 $12.18

-3.53%

Wine (Bottle)

$14.77 $14.77

$14.83 $14.83

-0.40%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$4.22 $4.22

-58.53%

Imported Beer (0.33 liter bottle)

$3.49 $3.49

$5.77 $5.77

-39.51%

One-way Ticket (Public Transport)

$2.05 $2.05

$2.95 $2.95

-30.51%

Public Transport Monthly Pass (Regular Price)

$106 $106

Taxi Start (Normal Tariff)

$2.96 $2.96

$2.65 $2.65

11.70%

Taxi (Normal Tariff) (1km)

$2.07 $2.07

$1.72 $1.72

20.35%

Taxi 1hour Waiting (Normal Tariff)

$24.42 $24.42

$29.72 $29.72

-17.83%

Gasoline (1 liter)

$1.11 $1.11

$1.49 $1.49

-25.50%

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

$27.5K $27.5K

$35.9K $35.9K

-23.39%

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

$26.0K $26.0K

$26.2K $26.2K

-1.03%

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

$210 $210

$302 $302

-30.48%

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

$75.8 $75.8

$70.1 $70.1

8.14%

Internet (50+ Mbps, Unlimited Data)

$65.8 $65.8

$85.3 $85.3

-22.83%

Gym Membership (Monthly)

$41.68 $41.68

$77.8 $77.8

-46.45%

Tennis Court (1 Hour on Weekend)

$34.58 $34.58

Cinema Ticket

$15.06 $15.06

$17.84 $17.84

-15.58%

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

$2,027 $2,027

$2,973 $2,973

-31.80%

International Primary School, 1 Child (Yearly)

$15.8K $15.8K

$31.3K $31.3K

-49.62%

Jeans (Levis 501 Or Similar)

$49.56 $49.56

$76.6 $76.6

-35.27%

Summer Dress (H&M, Zara, etc)

$57.7 $57.7

$54.1 $54.1

6.75%

Sport Shoes (Adidas, Nike)

$85.1 $85.1

$128 $128

-33.57%

Men's Leather Business Shoes

$149 $149

$164 $164

-9.13%

1-bedroom Apartment, City Center (Monthly)

$1,587 $1,587

$2,445 $2,445

-35.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,317 $1,317

$1,947 $1,947

-32.37%

3-bedroom Apartment, City Center (Monthly)

$2,528 $2,528

$4,744 $4,744

-46.72%

3-bedroom Apartment, Outside City Center (Monthly)

$2,128 $2,128

$3,469 $3,469

-38.66%

Buy Apartment in City Center (m2)

$2,637 $2,637

$7,367 $7,367

-64.21%

Buy Apartment Outside City Center (m2)

$2,351 $2,351

$5,127 $5,127

-54.14%

Average Monthly Net Salary (After Tax)

$7,123 $7,123

$6,506 $6,506

9.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.75

6.89

-2.03%

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

Last update for Oyster Bay, NY: October 18, 2026

Last update for Seattle, WA: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Oyster Bay, NY

$1.3K 48%

Seattle, WA

$1.9K 51.5% 47.9% $630

Groceries & Markets

Oyster Bay, NY

$443 16.1%

Seattle, WA

$546 14.4% 23.2% $103

Eating Out

Oyster Bay, NY

$385 14%

Seattle, WA

$400 10.6% 3.8% $15

Monthly Utilities & Internet

Oyster Bay, NY

$351 12.8%

Seattle, WA

$457 12.1% 30.1% $106

Clothing & Footwear

Oyster Bay, NY

$154 5.6%

Seattle, WA

$190 5% 23.8% $37

Sport & Entertainment

Oyster Bay, NY

$72 2.6%

Seattle, WA

$114 3% 58.1% $42

Getting Around

Oyster Bay, NY

$22 * 0.8%

Seattle, WA

$129 3.4% 501% $108

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 $1,587 in Oyster Bay, NY and $2,445 in Seattle, WA. Housing cost is often the main lever when comparing two cities.

Oyster Bay, NY pays 9% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $102 in Oyster Bay, NY vs $98.0 in Seattle, WA. Groceries flip the comparison at $443 vs $546, with Oyster Bay, NY cheaper for home cooking.

Good to know

🇺🇸 Oyster Bay, NY

🇺🇸 Seattle, WA

🕒 Local time

08:26 8:26 AM

05:26 5:26 AM

3 h behind Oyster Bay, NY

🌤 Weather

👥 Population

301,332

737,015

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Oyster Bay, NY Seattle, WA 3,900 km ≈ 5 h 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 Seattle, WA: Cost of Living - Frequently Asked Questions

Oyster Bay, NY is cheaper overall, especially in groceries, eating out, and clothing. The 38% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 9% 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: $1,587 in Oyster Bay, NY versus $2,445 in Seattle, WA. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,027 in Oyster Bay, NY versus $2,973 in Seattle, WA. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Oyster Bay, NY – a meal for two runs $102 versus $98.0 in Seattle, WA. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Oyster Bay, NY is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

For families, Oyster Bay, NY is more practical. Housing and childcare are both notably cheaper than in Seattle, WA, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oyster Bay, NY and Seattle, WA 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 Oyster Bay, NY gentler on the wallet – expenses run 38% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.