Cost of Living Comparison Between Schenectady, NY and New York, NY Cost of Living Comparison Between Schenectady, NY and New York, NY

🙂 Solo nomad: Schenectady, NY is 39.4% cheaper than New York, NY without rent, and 44.2% cheaper with rent.

🙂 Family of 3: Schenectady, NY is 26.3% cheaper than New York, NY without rent, and 55.3% cheaper with rent.

Meal at Budget Restaurant

$19.24 $19.24

$29.68 $29.68

-35.18%

Three-Course Dinner for Two, Mid-Range

$65.4 $65.4

$144 $144

-54.63%

Fast Food Meal (McDonalds, etc)

$11.96 $11.96

$12.43 $12.43

-3.78%

Cappuccino

$4.06 $4.06

$5.84 $5.84

-30.48%

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

$2.41 $2.41

$3.26 $3.26

-26.07%

Water (0.33 liter bottle)

$1.97 $1.97

$2.58 $2.58

-23.64%

Local Beer (0.5 liter draught)

$4.95 $4.95

$8.24 $8.24

-39.93%

Imported Beer (0.33 liter bottle)

$5.98 $5.98

$11.86 $11.86

-49.58%

Milk (1 liter)

$1 $1

$1.56 $1.56

-35.90%

White Bread (500g)

$3.99 $3.99

$5.23 $5.23

-23.71%

Rice (white) (1kg)

$5.55 $5.55

$8.11 $8.11

-31.57%

Eggs

$5.09 $5.09

$7.25 $7.25

-29.79%

Local Cheese (1kg)

$16.4 $16.4

$17.08 $17.08

-3.98%

Chicken Fillets (1kg)

$13.62 $13.62

$16.24 $16.24

-16.13%

Beef Round Steak (1kg)

$17.39 $17.39

$20.02 $20.02

-13.14%

Apples (1kg)

$4.55 $4.55

$7.49 $7.49

-39.25%

Banana (1kg)

$1.45 $1.45

$2.55 $2.55

-43.14%

Oranges (1kg)

$4.77 $4.77

$5.82 $5.82

-18.04%

Tomato (1kg)

$4.8 $4.8

$6.52 $6.52

-26.38%

Potato (1kg)

$3.25 $3.25

$3.72 $3.72

-12.63%

Onion (1kg)

$2.46 $2.46

$3.9 $3.9

-36.92%

Lettuce (1 head)

$1.85 $1.85

$3.07 $3.07

-39.74%

Water (1.5 liter bottle)

$1.79 $1.79

$2.57 $2.57

-30.35%

Cigarettes 20 Pack (Marlboro, Camel)

$13.17 $13.17

$19.21 $19.21

-31.44%

Wine (Bottle)

$12.77 $12.77

$17.79 $17.79

-28.22%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$3.01 $3.01

-41.86%

Imported Beer (0.33 liter bottle)

$3.38 $3.38

$3.72 $3.72

-9.14%

One-way Ticket (Public Transport)

$1.53 $1.53

$2.92 $2.92

-47.60%

Public Transport Monthly Pass (Regular Price)

$55.6 $55.6

$134 $134

-58.52%

Taxi Start (Normal Tariff)

$3.09 $3.09

$5.13 $5.13

-39.77%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.15 $2.15

-33.49%

Taxi 1hour Waiting (Normal Tariff)

$27.22 $27.22

$41.57 $41.57

-34.52%

Gasoline (1 liter)

$0.93 $0.93

$0.95 $0.95

-2.11%

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

$30.4K $30.4K

$35K $35K

-13.22%

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

$26K $26K

$27.7K $27.7K

-6.30%

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

$209 $209

$179 $179

17.14%

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

$58.3 $58.3

$60 $60

-2.78%

Internet (50+ Mbps, Unlimited Data)

$76.1 $76.1

$63.8 $63.8

19.18%

Gym Membership (Monthly)

$70.5 $70.5

$141 $141

-49.89%

Tennis Court (1 Hour on Weekend)

$63.9 $63.9

Cinema Ticket

$14.93 $14.93

$19.9 $19.9

-24.97%

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

$1,414 $1,414

$3,206 $3,206

-55.90%

International Primary School, 1 Child (Yearly)

$28.1K $28.1K

$56.5K $56.5K

-50.33%

Jeans (Levis 501 Or Similar)

$48.04 $48.04

$65.7 $65.7

-26.89%

Summer Dress (H&M, Zara, etc)

$44.12 $44.12

$48.75 $48.75

-9.50%

Sport Shoes (Adidas, Nike)

$85 $85

$111 $111

-23.58%

Men's Leather Business Shoes

$160 $160

$172 $172

-6.68%

1-bedroom Apartment, City Center (Monthly)

$1,324 $1,324

$4,165 $4,165

-68.22%

1-bedroom Apartment, Outside City Center (Monthly)

$1,106 $1,106

$2,653 $2,653

-58.33%

3-bedroom Apartment, City Center (Monthly)

$2,183 $2,183

$8,412 $8,412

-74.05%

3-bedroom Apartment, Outside City Center (Monthly)

$1,461 $1,461

$5,277 $5,277

-72.32%

Buy Apartment in City Center (m2)

$2,384 $2,384

$15.6K $15.6K

-84.74%

Buy Apartment Outside City Center (m2)

$2,335 $2,335

$11.2K $11.2K

-79.07%

Average Monthly Net Salary (After Tax)

$3,901 $3,901

$5,616 $5,616

-30.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

6.44

0.16%

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

Last update for Schenectady, NY: October 27, 2025

Last update for New York, NY: October 28, 2025

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