Cost of Living Comparison Between Penrith and Cergy Cost of Living Comparison Between Penrith and Cergy

Monthly Cost of Living

A single person spends $2,136 per month in Penrith vs $1,665 in Cergy, rent included.

A couple spends around $3,163 per month in Penrith vs $2,577 in Cergy, rent included.

A family of three spends $4,190 per month in Penrith vs $3,489 in Cergy, rent included.

Penrith costs about 28% more than Cergy, driven mainly by Monthly Utilities & Internet.

Both Penrith and Cergy sit above the global median – Penrith by 59%, Cergy by 24%.

Meal at Budget Restaurant

$11.17 A$15.56

$9.23 €7.94

21.02%

Three-Course Dinner for Two, Mid-Range

$88.5 A$123

$52.7 €45.34

67.86%

Fast Food Meal (McDonalds, etc)

$9.75 A$13.58

$9.24 €7.95

5.52%

Cappuccino

$2.64 A$3.68

$2.87 €2.47

-8.01%

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

$2.71 A$3.77

$1.42 €1.22

90.85%

Water (0.33 liter bottle)

$2.26 A$3.15

$2.12 €1.83

6.60%

Local Beer (0.5 liter draught)

$6.41 A$8.94

$5.30 €4.56

20.94%

Imported Beer (0.33 liter bottle)

$4.49 A$6.25

$5.77 €4.97

-22.18%

Milk (1 liter)

$1.41 A$1.97

$1.30 €1.12

8.46%

White Bread (500g)

$2.30 A$3.21

$1.80 €1.55

27.78%

Rice (white) (1kg)

$0.90 A$1.25

$2.83 €2.43

-68.20%

Eggs

$3.38 A$4.70

$4.11 €3.54

-17.76%

Local Cheese (1kg)

$10.24 A$14.27

$22.44 €19.30

-54.37%

Chicken Fillets (1kg)

$8.29 A$11.56

$11.14 €9.58

-25.58%

Beef Round Steak (1kg)

$14.46 A$20.15

$23.95 €20.60

-39.62%

Apples (1kg)

$2.31 A$3.22

$3.45 €2.96

-33.04%

Banana (1kg)

$2.89 A$4.02

$2.17 €1.87

33.18%

Oranges (1kg)

$2.99 A$4.17

$2.31 €1.99

29.44%

Tomato (1kg)

$4.76 A$6.64

$2.16 €1.85

120.37%

Potato (1kg)

$2.27 A$3.16

$1.95 €1.68

16.41%

Onion (1kg)

$1.90 A$2.65

$2.12 €1.82

-10.38%

Lettuce (1 head)

$2.49 A$3.47

$1.53 €1.31

62.75%

Water (1.5 liter bottle)

$0.77 A$1.08

$0.64 €0.55

20.31%

Cigarettes 20 Pack (Marlboro, Camel)

$30.97 A$43.16

$13.24 €11.39

133.91%

Wine (Bottle)

$14.92 A$20.79

$5.92 €5.09

152.03%

Local Beer (0.5 liter bottle)

$5.22 A$7.28

$2.34 €2.01

123.08%

Imported Beer (0.33 liter bottle)

$6.07 A$8.45

$4.30 €3.70

41.16%

One-way Ticket (Public Transport)

$2.62 A$3.65

$2.00 €1.72

31.00%

Public Transport Monthly Pass (Regular Price)

$64.7 A$90.2

$48.10 €41.38

34.51%

Taxi Start (Normal Tariff)

$3.91 A$5.45

$4.65 €4.00

-15.91%

Taxi (Normal Tariff) (1km)

$1.72 A$2.40

$1.60 €1.38

7.50%

Taxi 1hour Waiting (Normal Tariff)

$39.85 A$55.5

$33.03 €28.41

20.65%

Gasoline (1 liter)

$1.13 A$1.57

$2.10 €1.80

-46.19%

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

$29.0K A$40.5K

$37.1K €31.9K

-21.67%

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

$23.3K A$32.5K

$37.5K €32.2K

-37.73%

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

$163 A$227

$195 €168

-16.46%

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

$29.58 A$41.22

$22.95 €19.74

28.89%

Internet (50+ Mbps, Unlimited Data)

$52.6 A$73.3

$22.84 €19.65

130.30%

Gym Membership (Monthly)

$48.41 A$67.5

$37.06 €31.88

30.63%

Tennis Court (1 Hour on Weekend)

$15.75 A$21.95

$18.28 €15.73

-13.84%

Cinema Ticket

$13.47 A$18.77

$14.42 €12.41

-6.59%

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

$1,756 A$2,446

$568 €488

209.26%

International Primary School, 1 Child (Yearly)

$13.1K A$18.3K

$8,615 €7,411

52.60%

Jeans (Levis 501 Or Similar)

$71.0 A$98.9

$90.3 €77.7

-21.36%

Summer Dress (H&M, Zara, etc)

$56.7 A$79.0

$36.53 €31.42

55.16%

Sport Shoes (Adidas, Nike)

$97.7 A$136

$86.1 €74.1

13.50%

Men's Leather Business Shoes

$114 A$159

$105 €90.3

8.65%

1-bedroom Apartment, City Center (Monthly)

$1,117 A$1,556

$760 €653

47.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,083 A$1,510

$602 €518

79.89%

3-bedroom Apartment, City Center (Monthly)

$1,989 A$2,772

$1,453 €1,250

36.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,654 A$2,305

$1,084 €933

52.57%

Buy Apartment in City Center (m2)

$6,090 A$8,487

$4,154 €3,573

46.62%

Buy Apartment Outside City Center (m2)

$5,081 A$7,080

$3,107 €2,673

63.54%

Average Monthly Net Salary (After Tax)

$2,517 A$3,508

$2,706 €2,328

-6.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.29

3.5

79.71%

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

Last update for Penrith: June 2, 2026

Last update for Cergy: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Penrith versus $760 in Cergy. 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 8% higher in Cergy, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $88.0 in Penrith versus $53.0 in Cergy. Groceries tell a different story – $332 in Penrith vs $360 in Cergy – so Penrith wins on supermarket bills even if dining out costs more.

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

Penrith vs Cergy: Cost of Living - Frequently Asked Questions

Yes – Penrith is pricier by about 28%, and the gap shows up most in Monthly Utilities & Internet. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $3,204 per month in Penrith and $2,498 in Cergy. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cergy, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $88.0 in Penrith and $53.0 in Cergy. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,136 in Penrith and $1,665 in Cergy. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $2,500 monthly budget goes further in Cergy, where all-in costs run around $1,665, than in Penrith at $2,136. In Cergy it covers expenses comfortably, while in Penrith it requires careful planning or may not stretch far enough.

Families tend to lean toward Cergy – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Cergy. If higher salaries, better infrastructure, or specific career opportunities are the priority, Penrith makes more sense. Both are solid long-term options with distinct trade-offs.