Last update: Oct 2026

Cost of Living Comparison Between Penrith and Cergy

For one person, living is cheaper in Cergy: $1,666 a month against $2,604 in Penrith, rent and utilities included – about $11,300 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Penrith
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Penrith Living Index
81

Cost of Living Index in Cergy
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Cergy Living Index

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Penrith

🇦🇺 Australia

$2,604

/mo nomad

Cergy

🇫🇷 France

$1,666

/mo nomad

Monthly Cost of Living

How much you'll spend in Penrith and in Cergy

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

A single person spends $2,604 per month in Penrith vs $1,666 in Cergy, rent included.

Penrith $2,604
Cergy $1,666

A couple spends around $3,652 per month in Penrith vs $2,536 in Cergy, rent included.

Penrith $3,652
Cergy $2,536

A family of three spends $4,701 per month in Penrith vs $3,405 in Cergy, rent included.

Penrith $4,701
Cergy $3,405

Penrith costs about 56% more than Cergy, and outside of rent the biggest gap is in eating out.

Both Penrith and Cergy sit above the global median – Penrith by 93%, Cergy by 23%.

Meal at Budget Restaurant

$21.03 A$30.26

$8.87 €7.89

137.09%

Three-Course Dinner for Two, Mid-Range

$89.7 A$129

$49.28 €43.83

81.92%

Fast Food Meal (McDonalds, etc)

$10.56 A$15.19

$9.05 €8.05

16.69%

Cappuccino

$2.04 A$2.93

$2.81 €2.50

-27.40%

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

$3.16 A$4.54

$1.30 €1.16

143.08%

Water (0.33 liter bottle)

$2.56 A$3.69

$1.74 €1.55

47.13%

Local Beer (0.5 liter draught)

$8.57 A$12.33

$5.16 €4.59

66.09%

Imported Beer (0.33 liter bottle)

$4.96 A$7.14

$5.49 €4.88

-9.65%

Milk (1 liter)

$1.57 A$2.26

$1.24 €1.11

26.61%

White Bread (500g)

$3.32 A$4.78

$1.88 €1.67

76.60%

Rice (white) (1kg)

$2.54 A$3.65

$2.83 €2.51

-10.25%

Eggs

$5.16 A$7.42

$4.04 €3.60

27.72%

Local Cheese (1kg)

$13.08 A$18.82

$21.87 €19.45

-40.19%

Chicken Fillets (1kg)

$9.74 A$14.02

$10.42 €9.27

-6.53%

Beef Round Steak (1kg)

$15.40 A$22.16

$23.27 €20.70

-33.82%

Apples (1kg)

$3.93 A$5.65

$3.43 €3.05

14.58%

Banana (1kg)

$3.08 A$4.43

$2.09 €1.86

47.37%

Oranges (1kg)

$3.50 A$5.04

$2.21 €1.96

58.37%

Tomato (1kg)

$5.31 A$7.65

$2.16 €1.92

145.83%

Potato (1kg)

$3.17 A$4.56

$1.91 €1.70

65.97%

Onion (1kg)

$2.80 A$4.02

$2.03 €1.80

37.93%

Lettuce (1 head)

$2.48 A$3.57

$1.78 €1.58

39.33%

Water (1.5 liter bottle)

$1.34 A$1.93

$0.68 €0.61

97.06%

Cigarettes 20 Pack (Marlboro, Camel)

$45.42 A$65.4

$13.07 €11.63

247.51%

Wine (Bottle)

$14.07 A$20.24

$8.45 €7.51

66.51%

Local Beer (0.5 liter bottle)

$4.62 A$6.65

$2.40 €2.14

92.50%

Imported Beer (0.33 liter bottle)

$5.64 A$8.11

$4.31 €3.84

30.86%

One-way Ticket (Public Transport)

$3.17 A$4.57

$1.87 €1.66

69.52%

Public Transport Monthly Pass (Regular Price)

$78.5 A$113

$48.29 €42.95

62.50%

Taxi Start (Normal Tariff)

$4.11 A$5.92

$2.24 €1.99

83.48%

Taxi (Normal Tariff) (1km)

$1.57 A$2.26

$2.14 €1.90

-26.64%

Taxi 1hour Waiting (Normal Tariff)

$42.63 A$61.3

$24.55 €21.84

73.65%

Gasoline (1 liter)

$1.18 A$1.70

$1.95 €1.73

-39.49%

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

$27.1K A$39.0K

$33.9K €30.1K

-20.06%

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

$30.0K A$43.2K

$35.2K €31.3K

-14.82%

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

$183 A$263

$206 €183

-11.12%

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

$26.16 A$37.65

$15.07 €13.41

73.59%

Internet (50+ Mbps, Unlimited Data)

$55.4 A$79.7

$22.38 €19.91

147.50%

Gym Membership (Monthly)

$51.0 A$73.4

$35.13 €31.25

45.18%

Tennis Court (1 Hour on Weekend)

$17.66 A$25.42

Cinema Ticket

$15.88 A$22.86

$14.22 €12.65

11.67%

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

$2,390 A$3,439

$625 €556

282.57%

International Primary School, 1 Child (Yearly)

$19.9K A$28.7K

$8,211 €7,304

142.56%

Jeans (Levis 501 Or Similar)

$75.3 A$108

$88.2 €78.4

-14.60%

Summer Dress (H&M, Zara, etc)

$56.1 A$80.8

$40.58 €36.09

38.29%

Sport Shoes (Adidas, Nike)

$108 A$155

$99.8 €88.8

8.03%

Men's Leather Business Shoes

$134 A$193

$104 €92.1

29.65%

1-bedroom Apartment, City Center (Monthly)

$1,371 A$1,973

$742 €660

84.86%

1-bedroom Apartment, Outside City Center (Monthly)

$1,289 A$1,855

$602 €535

114.22%

3-bedroom Apartment, City Center (Monthly)

$2,142 A$3,082

$1,384 €1,231

54.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,686 A$2,427

$1,104 €982

52.82%

Buy Apartment in City Center (m2)

$4,992 A$7,184

$3,853 €3,427

29.57%

Buy Apartment Outside City Center (m2)

$4,361 A$6,275

$3,001 €2,669

45.30%

Average Monthly Net Salary (After Tax)

$2,624 €2,334

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

3.5

70.00%

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

Last update for Penrith: October 11, 2026

Last update for Cergy: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Penrith

$1.3K 49.5%

Cergy

$602 36.1% 53.3% $687

Groceries & Markets

Penrith

$396 15.2%

Cergy

$358 21.5% 9.6% $38

Eating Out

Penrith

$300 11.5%

Cergy

$181 10.9% 39.7% $119

Monthly Utilities & Internet

Penrith

$264 10.2%

Cergy

$243 14.6% 8% $21

Clothing & Footwear

Penrith

$168 6.5%

Cergy

$149 9% 11.1% $19

Getting Around

Penrith

$103 4%

Cergy

$69 4.1% 33.4% $34

Sport & Entertainment

Penrith

$83 3.2%

Cergy

$64 3.8% 23.2% $19

Cost Breakdown

A central one-bedroom costs $1,371 in Penrith versus $742 in Cergy. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $90.0 in Penrith versus $49.00 in Cergy. Monthly groceries follow the same trend: $396 vs $358 – making Cergy the more affordable choice for daily food spending.

Good to know

🇦🇺 Penrith

🇫🇷 Cergy

🕒 Local time

13:03 1:03 PM

04:03 4:03 AM

9 h behind Penrith

🌤 Weather

👥 Population

13,343

68,348

💱 Currency

Australian Dollar AUD $

Euro EUR €

📈 Exchange rate

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 20, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to AUD in detail →

On the map

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Penrith Cergy 16,930 km ≈ 22 h nonstop flight

From you

Penrith
Cergy

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

Penrith vs Cergy: Cost of Living - Frequently Asked Questions

Yes – Penrith is pricier by about 56%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $3,905 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 $90.0 in Penrith and $49.00 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 $2,604 in Penrith and $1,666 in Cergy. That's a gap of about 56%.

A $2,500 monthly budget goes further in Cergy, where all-in costs run around $1,666, than in Penrith at $2,604. 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.