Last update: Oct 2026

Cost of Living Comparison Between Saint Andrews and New York, NY

For one person, living is cheaper in Saint Andrews: $2,255 a month against $5,142 in New York, NY, rent and utilities included – about $34,600 less a year. Rent and utilities account for most of the difference.

109

Cost of Living Index in Saint Andrews
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Saint Andrews Living Index
245

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

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Saint Andrews

🇨🇦 Canada

$2,255

/mo nomad

New York, NY

🇺🇸 United States

$5,142

/mo nomad

Monthly Cost of Living

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

A single person spends $2,255 per month in Saint Andrews vs $5,142 in New York, NY, rent included.

Saint Andrews $2,255
New York, NY $5,142

A couple spends around $3,245 per month in Saint Andrews vs $7,455 in New York, NY, rent included.

Saint Andrews $3,245
New York, NY $7,455

A family of three spends $4,234 per month in Saint Andrews vs $9,767 in New York, NY, rent included.

Saint Andrews $4,234
New York, NY $9,767

Saint Andrews is about 56% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Saint Andrews and New York, NY sit above the global median – Saint Andrews by 68%, New York, NY by 284%.

Meal at Budget Restaurant

$17.75 CA$25.30

$26.46 $26.46

-32.92%

Three-Course Dinner for Two, Mid-Range

$63.8 CA$91.0

$119 $119

-46.26%

Fast Food Meal (McDonalds, etc)

$10.59 CA$15.10

$14.43 $14.43

-26.61%

Cappuccino

$3.72 CA$5.30

$6.55 $6.55

-43.21%

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

$1.99 CA$2.83

$3.84 $3.84

-48.18%

Water (0.33 liter bottle)

$1.58 CA$2.25

$3.00 $3.00

-47.33%

Local Beer (0.5 liter draught)

$5.17 CA$7.38

$8.27 $8.27

-37.48%

Imported Beer (0.33 liter bottle)

$5.77 CA$8.22

$10.05 $10.05

-42.59%

Milk (1 liter)

$2.04 CA$2.91

$1.31 $1.31

55.73%

White Bread (500g)

$2.46 CA$3.51

$4.90 $4.90

-49.80%

Rice (white) (1kg)

$3.36 CA$4.79

$7.16 $7.16

-53.07%

Eggs

$3.47 CA$4.94

$5.92 $5.92

-41.39%

Local Cheese (1kg)

$9.72 CA$13.86

$19.06 $19.06

-49.00%

Chicken Fillets (1kg)

$11.12 CA$15.85

$17.38 $17.38

-36.02%

Beef Round Steak (1kg)

$14.72 CA$20.98

$18.94 $18.94

-22.28%

Apples (1kg)

$3.66 CA$5.22

$6.96 $6.96

-47.41%

Banana (1kg)

$1.36 CA$1.93

$2.08 $2.08

-34.62%

Oranges (1kg)

$3.70 CA$5.28

$6.10 $6.10

-39.34%

Tomato (1kg)

$3.73 CA$5.31

$6.95 $6.95

-46.33%

Potato (1kg)

$2.59 CA$3.70

$3.98 $3.98

-34.92%

Onion (1kg)

$2.25 CA$3.21

$4.44 $4.44

-49.32%

Lettuce (1 head)

$2.53 CA$3.61

$2.81 $2.81

-9.96%

Water (1.5 liter bottle)

$1.57 CA$2.24

$2.51 $2.51

-37.45%

Cigarettes 20 Pack (Marlboro, Camel)

$13.96 CA$19.90

$19.27 $19.27

-27.56%

Wine (Bottle)

$12.42 CA$17.70

$19.67 $19.67

-36.86%

Local Beer (0.5 liter bottle)

$2.73 CA$3.89

$3.08 $3.08

-11.36%

Imported Beer (0.33 liter bottle)

$3.13 CA$4.46

$3.68 $3.68

-14.95%

One-way Ticket (Public Transport)

$2.31 CA$3.29

$3.02 $3.02

-23.51%

Public Transport Monthly Pass (Regular Price)

$63.1 CA$90.0

$140 $140

-54.77%

Taxi Start (Normal Tariff)

$2.82 CA$4.02

$3.07 $3.07

-8.14%

Taxi (Normal Tariff) (1km)

$1.49 CA$2.12

$2.13 $2.13

-30.05%

Taxi 1hour Waiting (Normal Tariff)

$23.25 CA$33.14

$41.21 $41.21

-43.58%

Gasoline (1 liter)

$1.11 CA$1.59

$1.11 $1.11

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

$28.2K CA$40.1K

$35.0K $35.0K

-19.53%

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

$18.9K CA$26.9K

$25.4K $25.4K

-25.56%

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

$138 CA$197

$217 $217

-36.54%

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

$38.11 CA$54.3

$74.0 $74.0

-48.51%

Internet (50+ Mbps, Unlimited Data)

$55.0 CA$78.4

$72.5 $72.5

-24.14%

Gym Membership (Monthly)

$40.69 CA$58.0

$120 $120

-66.22%

Tennis Court (1 Hour on Weekend)

$18.31 CA$26.10

$66.9 $66.9

-72.63%

Cinema Ticket

$10.95 CA$15.61

$22.32 $22.32

-50.94%

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

$724 CA$1,033

$3,425 $3,425

-78.85%

International Primary School, 1 Child (Yearly)

$13.3K CA$18.9K

$61.2K $61.2K

-78.28%

Jeans (Levis 501 Or Similar)

$54.2 CA$77.2

$76.3 $76.3

-29.00%

Summer Dress (H&M, Zara, etc)

$37.35 CA$53.2

$55.5 $55.5

-32.64%

Sport Shoes (Adidas, Nike)

$84.5 CA$120

$119 $119

-29.15%

Men's Leather Business Shoes

$99.9 CA$142

$131 $131

-23.50%

1-bedroom Apartment, City Center (Monthly)

$1,239 CA$1,766

$4,506 $4,506

-72.51%

1-bedroom Apartment, Outside City Center (Monthly)

$1,151 CA$1,640

$3,155 $3,155

-63.52%

3-bedroom Apartment, City Center (Monthly)

$1,984 CA$2,829

$8,817 $8,817

-77.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,678 CA$2,392

$5,532 $5,532

-69.67%

Buy Apartment in City Center (m2)

$4,169 CA$5,942

$19.4K $19.4K

-78.49%

Buy Apartment Outside City Center (m2)

$3,576 CA$5,097

$6,754 $6,754

-47.06%

Average Monthly Net Salary (After Tax)

$5,290 $5,290

20-Year Fixed Mortgage Interest Rate (Annual %)

4.64

6.82

-31.96%

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

Last update for Saint Andrews: October 5, 2026

Last update for New York, NY: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Saint Andrews

$1.2K 50.7%

New York, NY

$3.2K 63.2% 174% $2K

Groceries & Markets

Saint Andrews

$347 15.3%

New York, NY

$546 11% 57.3% $199

Eating Out

Saint Andrews

$270 11.9%

New York, NY

$422 8.5% 56.4% $152

Monthly Utilities & Internet

Saint Andrews

$231 10.2%

New York, NY

$364 7.3% 57.5% $133

Clothing & Footwear

Saint Andrews

$124 5.5%

New York, NY

$172 3.4% 38.3% $48

Getting Around

Saint Andrews

$83 3.6%

New York, NY

$165 3.3% 100% $83

Sport & Entertainment

Saint Andrews

$63 2.8%

New York, NY

$165 3.3% 164% $102

Cost Breakdown

A central one-bedroom costs $1,239 in Saint Andrews versus $4,506 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.

A mid-range dinner for two costs $64.0 in Saint Andrews versus $119 in New York, NY. Monthly groceries follow the same trend: $347 vs $546 – making Saint Andrews the more affordable choice for daily food spending.

Good to know

🇨🇦 Saint Andrews

🇺🇸 New York, NY

🕒 Local time

07:52 7:52 AM

06:52 6:52 AM

1 h behind Saint Andrews

🌤 Weather

👥 Population

8,804,190

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

1 USD = 0.892 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to CAD in detail →

On the map

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Between locations

Saint Andrews New York, NY 760 km ≈ 1 h 30 min nonstop flight

From you

Saint Andrews
New York, NY

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated March 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Saint Andrews vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 128% more than Saint Andrews, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,383 per month in Saint Andrews and $7,714 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 Saint Andrews, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $724 per month in Saint Andrews and $3,425 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 57% more in New York, NY, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $3,000 monthly budget goes further in Saint Andrews, where all-in costs run around $2,255, than in New York, NY at $5,142. In Saint Andrews 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. Saint Andrews costs $2,255 versus $5,142 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 Saint Andrews. 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.