Cost of Living Comparison Between Seattle, WA and Oyster Bay, NY Cost of Living Comparison Between Seattle, WA and Oyster Bay, NY

Monthly Cost of Living

Monthly costs for one person with rent: $3,598 in Seattle, WA versus $2,569 in Oyster Bay, NY.

Estimated couple costs with rent: $5,539 in Seattle, WA versus $3,818 in Oyster Bay, NY.

Monthly costs for a family of three with rent: $7,479 in Seattle, WA versus $5,067 in Oyster Bay, NY.

Living in Seattle, WA is roughly 40% more expensive than Oyster Bay, NY, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Seattle, WA 168% above, Oyster Bay, NY 92% above.

Meal at Budget Restaurant

$24.80 $24.80

$17.06 $17.06

45.37%

Three-Course Dinner for Two, Mid-Range

$118 $118

$99.0 $99.0

18.94%

Fast Food Meal (McDonalds, etc)

$13.77 $13.77

$11.91 $11.91

15.62%

Cappuccino

$5.71 $5.71

$5.45 $5.45

4.77%

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

$3.05 $3.05

$2.37 $2.37

28.69%

Water (0.33 liter bottle)

$2.50 $2.50

$1.61 $1.61

55.28%

Local Beer (0.5 liter draught)

$7.83 $7.83

$6.79 $6.79

15.32%

Imported Beer (0.33 liter bottle)

$7.88 $7.88

$6.98 $6.98

12.89%

Milk (1 liter)

$1.35 $1.35

$1.27 $1.27

6.30%

White Bread (500g)

$5.06 $5.06

$3.74 $3.74

35.29%

Rice (white) (1kg)

$5.39 $5.39

$5.13 $5.13

5.07%

Eggs

$6.85 $6.85

$4.78 $4.78

43.31%

Local Cheese (1kg)

$25.07 $25.07

$13.93 $13.93

79.97%

Chicken Fillets (1kg)

$15.85 $15.85

$10.19 $10.19

55.54%

Beef Round Steak (1kg)

$20.59 $20.59

$17.15 $17.15

20.06%

Apples (1kg)

$6.14 $6.14

$4.85 $4.85

26.60%

Banana (1kg)

$2.82 $2.82

$1.73 $1.73

63.01%

Oranges (1kg)

$5.51 $5.51

$3.85 $3.85

43.12%

Tomato (1kg)

$6.74 $6.74

$4.17 $4.17

61.63%

Potato (1kg)

$3.15 $3.15

$2.89 $2.89

9.00%

Onion (1kg)

$3.82 $3.82

$2.54 $2.54

50.39%

Lettuce (1 head)

$2.69 $2.69

$2.40 $2.40

12.08%

Water (1.5 liter bottle)

$2.64 $2.64

$2.70 $2.70

-2.22%

Cigarettes 20 Pack (Marlboro, Camel)

$11.65 $11.65

$11.75 $11.75

-0.85%

Wine (Bottle)

$15.69 $15.69

$15.18 $15.18

3.36%

Local Beer (0.5 liter bottle)

$2.93 $2.93

$1.69 $1.69

73.37%

Imported Beer (0.33 liter bottle)

$4.24 $4.24

$4.49 $4.49

-5.57%

One-way Ticket (Public Transport)

$2.82 $2.82

$2.06 $2.06

36.89%

Public Transport Monthly Pass (Regular Price)

$100 $100

Taxi Start (Normal Tariff)

$2.60 $2.60

$3.06 $3.06

-15.03%

Taxi (Normal Tariff) (1km)

$1.72 $1.72

$2.01 $2.01

-14.43%

Taxi 1hour Waiting (Normal Tariff)

$30.22 $30.22

$23.83 $23.83

26.81%

Gasoline (1 liter)

$1.19 $1.19

$0.92 $0.92

29.35%

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

$32.7K $32.7K

$23.7K $23.7K

37.96%

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

$26.1K $26.1K

$25.0K $25.0K

4.58%

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

$263 $263

$126 $126

107.70%

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

$60.9 $60.9

$44.48 $44.48

36.87%

Internet (50+ Mbps, Unlimited Data)

$75.9 $75.9

$57.5 $57.5

31.91%

Gym Membership (Monthly)

$79.6 $79.6

$43.33 $43.33

83.66%

Tennis Court (1 Hour on Weekend)

$39.89 $39.89

Cinema Ticket

$16.27 $16.27

$16.87 $16.87

-3.56%

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

$2,281 $2,281

$1,762 $1,762

29.46%

International Primary School, 1 Child (Yearly)

$29.3K $29.3K

$15.7K $15.7K

86.27%

Jeans (Levis 501 Or Similar)

$68.6 $68.6

$50.1 $50.1

36.95%

Summer Dress (H&M, Zara, etc)

$52.0 $52.0

$64.2 $64.2

-19.00%

Sport Shoes (Adidas, Nike)

$116 $116

$75.5 $75.5

53.46%

Men's Leather Business Shoes

$143 $143

$96.6 $96.6

48.55%

1-bedroom Apartment, City Center (Monthly)

$2,336 $2,336

$1,631 $1,631

43.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,863 $1,863

$1,372 $1,372

35.73%

3-bedroom Apartment, City Center (Monthly)

$4,628 $4,628

$2,630 $2,630

76.00%

3-bedroom Apartment, Outside City Center (Monthly)

$3,477 $3,477

$2,257 $2,257

54.06%

Buy Apartment in City Center (m2)

$7,766 $7,766

$2,292 $2,292

238.77%

Buy Apartment Outside City Center (m2)

$5,232 $5,232

$2,298 $2,298

127.69%

Average Monthly Net Salary (After Tax)

$6,617 $6,617

20-Year Fixed Mortgage Interest Rate (Annual %)

6.42

6.62

-3.02%

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

Last update for Seattle, WA: May 30, 2026

Last update for Oyster Bay, NY: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,336 in Seattle, WA and $1,631 in Oyster Bay, NY. Housing cost is often the main lever when comparing two cities.

Dining out: $118 in Seattle, WA vs $99.0 in Oyster Bay, NY for a mid-range dinner for two. Groceries echo the gap at $547 vs $408 per month, with Oyster Bay, NY cheaper across the board.

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

Seattle, WA vs Oyster Bay, NY: Cost of Living - Frequently Asked Questions

Oyster Bay, NY is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 40% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $5,397 in Seattle, WA and $3,854 in Oyster Bay, NY to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $2,336 in Seattle, WA versus $1,631 in Oyster Bay, NY. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,281 in Seattle, WA versus $1,762 in Oyster Bay, NY. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Oyster Bay, NY – a meal for two runs $99.0 versus $118 in Seattle, WA. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,500. Oyster Bay, NY is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

For families, Oyster Bay, NY is more practical. Housing and childcare are both notably cheaper than in Seattle, WA, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Seattle, WA and Oyster Bay, NY are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Oyster Bay, NY gentler on the wallet – expenses run 40% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.