Last update: Oct 2026

Cost of Living Comparison Between Stillwater, MN and New York, NY

For one person, living is cheaper in Stillwater, MN: $2,884 a month against $4,950 in New York, NY, rent and utilities included – about $24,800 less a year. Rent and utilities account for most of the difference.

140

Cost of Living Index in Stillwater, MN
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Stillwater, MN Living Index
239

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

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Stillwater, MN

🇺🇸 United States

$2,884

/mo nomad

New York, NY

🇺🇸 United States

$4,950

/mo nomad

Monthly Cost of Living

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

A single person spends $2,884 per month in Stillwater, MN vs $4,950 in New York, NY, rent included.

Stillwater, MN $2,884
New York, NY $4,950

A couple spends around $4,047 per month in Stillwater, MN vs $7,265 in New York, NY, rent included.

Stillwater, MN $4,047
New York, NY $7,265

A family of three spends $5,209 per month in Stillwater, MN vs $9,581 in New York, NY, rent included.

Stillwater, MN $5,209
New York, NY $9,581

Stillwater, MN is about 42% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Stillwater, MN and New York, NY sit above the global median – Stillwater, MN by 114%, New York, NY by 267%.

Meal at Budget Restaurant

$17.57 $17.57

$24.65 $24.65

-28.72%

Three-Course Dinner for Two, Mid-Range

$81.0 $81.0

$122 $122

-33.36%

Fast Food Meal (McDonalds, etc)

$12.12 $12.12

$13.91 $13.91

-12.87%

Cappuccino

$5.85 $5.85

$6.59 $6.59

-11.23%

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

$3.08 $3.08

$3.84 $3.84

-19.79%

Water (0.33 liter bottle)

$2.27 $2.27

$2.87 $2.87

-20.91%

Local Beer (0.5 liter draught)

$6.85 $6.85

$7.79 $7.79

-12.07%

Imported Beer (0.33 liter bottle)

$8.04 $8.04

$9.85 $9.85

-18.38%

Milk (1 liter)

$0.90 $0.90

$1.38 $1.38

-34.78%

White Bread (500g)

$3.61 $3.61

$4.68 $4.68

-22.86%

Rice (white) (1kg)

$6.49 $6.49

$7.54 $7.54

-13.93%

Eggs

$3.59 $3.59

$5.93 $5.93

-39.46%

Local Cheese (1kg)

$10.24 $10.24

$18.83 $18.83

-45.62%

Chicken Fillets (1kg)

$13.54 $13.54

$17.36 $17.36

-22.00%

Beef Round Steak (1kg)

$18.88 $18.88

$18.51 $18.51

2.00%

Apples (1kg)

$4.48 $4.48

$6.74 $6.74

-33.53%

Banana (1kg)

$1.81 $1.81

$2.09 $2.09

-13.40%

Oranges (1kg)

$4.57 $4.57

$6.07 $6.07

-24.71%

Tomato (1kg)

$5.25 $5.25

$6.74 $6.74

-22.11%

Potato (1kg)

$4.31 $4.31

$4.05 $4.05

6.42%

Onion (1kg)

$4.16 $4.16

$4.37 $4.37

-4.81%

Lettuce (1 head)

$2.29 $2.29

$2.89 $2.89

-20.76%

Water (1.5 liter bottle)

$2.59 $2.59

$2.60 $2.60

-0.38%

Cigarettes 20 Pack (Marlboro, Camel)

$12.94 $12.94

$18.72 $18.72

-30.88%

Wine (Bottle)

$15.69 $15.69

$20.06 $20.06

-21.78%

Local Beer (0.5 liter bottle)

$2.86 $2.86

$3.25 $3.25

-12.00%

Imported Beer (0.33 liter bottle)

$5.78 $5.78

$3.73 $3.73

54.96%

One-way Ticket (Public Transport)

$3.06 $3.06

Public Transport Monthly Pass (Regular Price)

$82.9 $82.9

$140 $140

-41.01%

Taxi Start (Normal Tariff)

$5.06 $5.06

$3.04 $3.04

66.45%

Taxi (Normal Tariff) (1km)

$1.73 $1.73

$2.15 $2.15

-19.53%

Taxi 1hour Waiting (Normal Tariff)

$23.82 $23.82

$41.82 $41.82

-43.04%

Gasoline (1 liter)

$1.01 $1.01

$1.12 $1.12

-9.82%

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

$36.1K $36.1K

$35.5K $35.5K

1.79%

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

$25.5K $25.5K

$26.0K $26.0K

-2.22%

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

$131 $131

$219 $219

-40.10%

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

$54.7 $54.7

$73.2 $73.2

-25.24%

Internet (50+ Mbps, Unlimited Data)

$66.7 $66.7

$72.0 $72.0

-7.39%

Gym Membership (Monthly)

$127 $127

$123 $123

3.11%

Tennis Court (1 Hour on Weekend)

$34.50 $34.50

$67.7 $67.7

-49.02%

Cinema Ticket

$15.54 $15.54

$22.85 $22.85

-31.99%

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

$1,383 $1,383

$3,333 $3,333

-58.50%

International Primary School, 1 Child (Yearly)

$35.8K $35.8K

$60.0K $60.0K

-40.26%

Jeans (Levis 501 Or Similar)

$58.7 $58.7

$75.2 $75.2

-21.88%

Summer Dress (H&M, Zara, etc)

$44.66 $44.66

$52.4 $52.4

-14.75%

Sport Shoes (Adidas, Nike)

$90.5 $90.5

$122 $122

-25.61%

Men's Leather Business Shoes

$49.40 $49.40

$133 $133

-62.90%

1-bedroom Apartment, City Center (Monthly)

$1,492 $1,492

$4,389 $4,389

-66.01%

1-bedroom Apartment, Outside City Center (Monthly)

$1,512 $1,512

$3,130 $3,130

-51.68%

3-bedroom Apartment, City Center (Monthly)

$2,219 $2,219

$8,918 $8,918

-75.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,083 $2,083

$5,354 $5,354

-61.09%

Buy Apartment in City Center (m2)

$3,067 $3,067

$19.4K $19.4K

-84.19%

Buy Apartment Outside City Center (m2)

$2,899 $2,899

$6,806 $6,806

-57.41%

Average Monthly Net Salary (After Tax)

$6,855 $6,855

$5,343 $5,343

28.32%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.82

-3.23%

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

Last update for Stillwater, MN: October 13, 2026

Last update for New York, NY: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Stillwater, MN

$1.5K 52.4%

New York, NY

$3.1K 63.2% 107% $1.6K

Groceries & Markets

Stillwater, MN

$437 15.2%

New York, NY

$545 11% 24.7% $108

Eating Out

Stillwater, MN

$319 11.1%

New York, NY

$404 8.2% 26.6% $85

Monthly Utilities & Internet

Stillwater, MN

$253 8.8%

New York, NY

$364 7.4% 44.2% $112

Sport & Entertainment

Stillwater, MN

$158 5.5%

New York, NY

$168 3.4% 6.9% $11

Clothing & Footwear

Stillwater, MN

$109 3.8%

New York, NY

$172 3.5% 57.2% $63

Getting Around

Stillwater, MN

$97 * 3.4%

New York, NY

$167 3.4% 72.4% $70

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,492 in Stillwater, MN versus $4,389 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.

Salaries run about 28% higher in Stillwater, MN, 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 $81.0 in Stillwater, MN versus $122 in New York, NY. Monthly groceries follow the same trend: $437 vs $545 – making Stillwater, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Stillwater, MN

🇺🇸 New York, NY

🕒 Local time

18:42 6:42 PM

19:42 7:42 PM

1 h ahead of Stillwater, MN

🌤 Weather

👥 Population

44,818

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Stillwater, MN New York, NY 1,590 km ≈ 2 h 30 min nonstop flight

From you

Stillwater, MN
New York, NY

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

Stillwater, MN vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 72% more than Stillwater, MN, 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 $4,327 per month in Stillwater, MN and $7,424 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 Stillwater, MN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $1,383 per month in Stillwater, MN and $3,333 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 25% 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.

$2,000 is a stretch for both – monthly costs hit $2,884 in Stillwater, MN and $4,950 in New York, NY. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Stillwater, MN costs $2,884 versus $4,950 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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 Stillwater, MN. 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.