Last update: Oct 2026

Cost of Living Comparison Between Palm Coast, FL and New York, NY

For one person, living is cheaper in Palm Coast, FL: $2,502 a month against $4,950 in New York, NY, rent and utilities included – about $29,400 less a year. Rent and utilities account for most of the difference.

123

Cost of Living Index in Palm Coast, FL
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Palm Coast, FL Living Index
239

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

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Palm Coast, FL

🇺🇸 United States

$2,502

/mo nomad

New York, NY

🇺🇸 United States

$4,950

/mo nomad

Monthly Cost of Living

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

A single person spends $2,502 per month in Palm Coast, FL vs $4,950 in New York, NY, rent included.

Palm Coast, FL $2,502
New York, NY $4,950

A couple spends around $3,504 per month in Palm Coast, FL vs $7,265 in New York, NY, rent included.

Palm Coast, FL $3,504
New York, NY $7,265

A family of three spends $4,506 per month in Palm Coast, FL vs $9,581 in New York, NY, rent included.

Palm Coast, FL $4,506
New York, NY $9,581

Palm Coast, FL is about 49% cheaper than New York, NY, and outside of rent the biggest gap is in transport.

Both Palm Coast, FL and New York, NY sit above the global median – Palm Coast, FL by 85%, New York, NY by 267%.

Meal at Budget Restaurant

$17.23 $17.23

$24.65 $24.65

-30.10%

Three-Course Dinner for Two, Mid-Range

$80.3 $80.3

$122 $122

-33.90%

Fast Food Meal (McDonalds, etc)

$9.43 $9.43

$13.91 $13.91

-32.21%

Cappuccino

$4.96 $4.96

$6.59 $6.59

-24.73%

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

$2.19 $2.19

$3.84 $3.84

-42.97%

Water (0.33 liter bottle)

$1.87 $1.87

$2.87 $2.87

-34.84%

Local Beer (0.5 liter draught)

$6.69 $6.69

$7.79 $7.79

-14.12%

Imported Beer (0.33 liter bottle)

$7.36 $7.36

$9.85 $9.85

-25.28%

Milk (1 liter)

$0.93 $0.93

$1.38 $1.38

-32.61%

White Bread (500g)

$3.70 $3.70

$4.68 $4.68

-20.94%

Rice (white) (1kg)

$3.37 $3.37

$7.54 $7.54

-55.31%

Eggs

$4.05 $4.05

$5.93 $5.93

-31.70%

Local Cheese (1kg)

$12.19 $12.19

$18.83 $18.83

-35.26%

Chicken Fillets (1kg)

$11.29 $11.29

$17.36 $17.36

-34.97%

Beef Round Steak (1kg)

$14.53 $14.53

$18.51 $18.51

-21.50%

Apples (1kg)

$6.47 $6.47

$6.74 $6.74

-4.01%

Banana (1kg)

$1.54 $1.54

$2.09 $2.09

-26.32%

Oranges (1kg)

$5.65 $5.65

$6.07 $6.07

-6.92%

Tomato (1kg)

$5.10 $5.10

$6.74 $6.74

-24.33%

Potato (1kg)

$4.49 $4.49

$4.05 $4.05

10.86%

Onion (1kg)

$3.70 $3.70

$4.37 $4.37

-15.33%

Lettuce (1 head)

$1.92 $1.92

$2.89 $2.89

-33.56%

Water (1.5 liter bottle)

$2.63 $2.63

$2.60 $2.60

1.15%

Cigarettes 20 Pack (Marlboro, Camel)

$9.23 $9.23

$18.72 $18.72

-50.69%

Wine (Bottle)

$9.86 $9.86

$20.06 $20.06

-50.85%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$3.25 $3.25

-45.23%

Imported Beer (0.33 liter bottle)

$2.32 $2.32

$3.73 $3.73

-37.80%

One-way Ticket (Public Transport)

$3.06 $3.06

Public Transport Monthly Pass (Regular Price)

$140 $140

Taxi Start (Normal Tariff)

$3.41 $3.41

$3.04 $3.04

12.17%

Taxi (Normal Tariff) (1km)

$1.45 $1.45

$2.15 $2.15

-32.56%

Taxi 1hour Waiting (Normal Tariff)

$59.0 $59.0

$41.82 $41.82

41.10%

Gasoline (1 liter)

$0.88 $0.88

$1.12 $1.12

-21.43%

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

$37.3K $37.3K

$35.5K $35.5K

5.28%

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

$24.7K $24.7K

$26.0K $26.0K

-5.11%

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

$229 $229

$219 $219

4.74%

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

$45.66 $45.66

$73.2 $73.2

-37.61%

Internet (50+ Mbps, Unlimited Data)

$40.17 $40.17

$72.0 $72.0

-44.20%

Gym Membership (Monthly)

$27.94 $27.94

$123 $123

-77.23%

Tennis Court (1 Hour on Weekend)

$67.7 $67.7

Cinema Ticket

$15.32 $15.32

$22.85 $22.85

-32.95%

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

$940 $940

$3,333 $3,333

-71.80%

International Primary School, 1 Child (Yearly)

$24.6K $24.6K

$60.0K $60.0K

-59.03%

Jeans (Levis 501 Or Similar)

$57.7 $57.7

$75.2 $75.2

-23.22%

Summer Dress (H&M, Zara, etc)

$39.39 $39.39

$52.4 $52.4

-24.81%

Sport Shoes (Adidas, Nike)

$73.8 $73.8

$122 $122

-39.31%

Men's Leather Business Shoes

$110 $110

$133 $133

-17.54%

1-bedroom Apartment, City Center (Monthly)

$1,521 $1,521

$4,389 $4,389

-65.34%

1-bedroom Apartment, Outside City Center (Monthly)

$1,306 $1,306

$3,130 $3,130

-58.28%

3-bedroom Apartment, City Center (Monthly)

$1,972 $1,972

$8,918 $8,918

-77.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,822 $1,822

$5,354 $5,354

-65.96%

Buy Apartment in City Center (m2)

$19.4K $19.4K

Buy Apartment Outside City Center (m2)

$6,806 $6,806

Average Monthly Net Salary (After Tax)

$3,894 $3,894

$5,343 $5,343

-27.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.57

6.82

-3.67%

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

Last update for Palm Coast, FL: October 13, 2026

Last update for New York, NY: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Palm Coast, FL

$1.3K 52.2%

New York, NY

$3.1K 63.2% 140% $1.8K

Groceries & Markets

Palm Coast, FL

$396 15.8%

New York, NY

$545 11% 37.7% $149

Monthly Utilities & Internet

Palm Coast, FL

$315 12.6%

New York, NY

$364 7.4% 15.5% $49

Eating Out

Palm Coast, FL

$290 11.6%

New York, NY

$404 8.2% 39.1% $114

Clothing & Footwear

Palm Coast, FL

$126 5.1%

New York, NY

$172 3.5% 36.2% $46

Sport & Entertainment

Palm Coast, FL

$59 2.3%

New York, NY

$168 3.4% 188% $110

Getting Around

Palm Coast, FL

$11 * 0.4%

New York, NY

$167 3.4% 1459% $156

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

Cost Breakdown

A central one-bedroom costs $1,521 in Palm Coast, FL versus $4,389 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 37% 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 $80.0 in Palm Coast, FL versus $122 in New York, NY. Monthly groceries follow the same trend: $396 vs $545 – making Palm Coast, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 Palm Coast, FL

🇺🇸 New York, NY

🕒 Local time

06:04 6:04 AM

Same time as Palm Coast, FL

🌤 Weather

👥 Population

68,013

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Palm Coast, FL New York, NY 1,390 km ≈ 2 h 15 min nonstop flight

From you

Palm Coast, FL
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

Palm Coast, FL vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 98% more than Palm Coast, FL, and outside of rent the gap comes mainly from transport. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,753 per month in Palm Coast, FL and $7,424 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 Palm Coast, FL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,502 in Palm Coast, FL and $4,950 in New York, NY. That's a gap of about 98%.

Kindergarten costs $940 per month in Palm Coast, FL and $3,333 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,500 monthly budget goes further in Palm Coast, FL, where all-in costs run around $2,502, than in New York, NY at $4,950. In Palm Coast, FL it covers expenses comfortably, while in New York, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Palm Coast, FL costs $2,502 versus $4,950 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

If budget matters most, go with Palm Coast, FL. 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.