Last update: Oct 2026

Cost of Living Comparison Between The Villages, FL and New York, NY

For one person, living is cheaper in The Villages, FL: $2,190 a month against $4,938 in New York, NY, rent and utilities included – about $33,000 less a year. Rent and utilities account for most of the difference.

106

Cost of Living Index in The Villages, FL
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The Villages, FL Living Index
239

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

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The Villages, FL

🇺🇸 United States

$2,190

/mo nomad

New York, NY

🇺🇸 United States

$4,938

/mo nomad

Monthly Cost of Living

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

A single person spends $2,190 per month in The Villages, FL vs $4,938 in New York, NY, rent included.

The Villages, FL $2,190
New York, NY $4,938

A couple spends around $3,452 per month in The Villages, FL vs $7,273 in New York, NY, rent included.

The Villages, FL $3,452
New York, NY $7,273

A family of three spends $4,714 per month in The Villages, FL vs $9,608 in New York, NY, rent included.

The Villages, FL $4,714
New York, NY $9,608

The Villages, FL is about 56% cheaper than New York, NY, and outside of rent the biggest gap is in eating out.

Both The Villages, FL and New York, NY sit above the global median – The Villages, FL by 62%, New York, NY by 264%.

Meal at Budget Restaurant

$12.08 $12.08

$24.99 $24.99

-51.66%

Three-Course Dinner for Two, Mid-Range

$75.2 $75.2

$120 $120

-37.47%

Fast Food Meal (McDonalds, etc)

$8.71 $8.71

$13.74 $13.74

-36.61%

Cappuccino

$4.45 $4.45

$6.60 $6.60

-32.58%

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

$2.57 $2.57

$3.82 $3.82

-32.72%

Water (0.33 liter bottle)

$2.46 $2.46

$2.87 $2.87

-14.29%

Local Beer (0.5 liter draught)

$4.97 $4.97

$7.95 $7.95

-37.48%

Imported Beer (0.33 liter bottle)

$7.08 $7.08

$10.06 $10.06

-29.62%

Milk (1 liter)

$1.02 $1.02

$1.37 $1.37

-25.55%

White Bread (500g)

$3.55 $3.55

$4.75 $4.75

-25.26%

Rice (white) (1kg)

$4.31 $4.31

$7.69 $7.69

-43.95%

Eggs

$4.26 $4.26

$5.87 $5.87

-27.43%

Local Cheese (1kg)

$12.54 $12.54

$19.25 $19.25

-34.86%

Chicken Fillets (1kg)

$11.41 $11.41

$17.83 $17.83

-36.01%

Beef Round Steak (1kg)

$17.25 $17.25

$19.03 $19.03

-9.35%

Apples (1kg)

$4.90 $4.90

$6.69 $6.69

-26.76%

Banana (1kg)

$1.29 $1.29

$2.29 $2.29

-43.67%

Oranges (1kg)

$4.38 $4.38

$6.41 $6.41

-31.67%

Tomato (1kg)

$4.81 $4.81

$6.75 $6.75

-28.74%

Potato (1kg)

$3.05 $3.05

$3.93 $3.93

-22.39%

Onion (1kg)

$2.70 $2.70

$4.52 $4.52

-40.27%

Lettuce (1 head)

$2.19 $2.19

$2.79 $2.79

-21.51%

Water (1.5 liter bottle)

$2.41 $2.41

$2.51 $2.51

-3.98%

Cigarettes 20 Pack (Marlboro, Camel)

$10.05 $10.05

$18.10 $18.10

-44.48%

Wine (Bottle)

$15.16 $15.16

$20.16 $20.16

-24.80%

Local Beer (0.5 liter bottle)

$2.16 $2.16

$3.26 $3.26

-33.74%

Imported Beer (0.33 liter bottle)

$3.65 $3.65

$3.75 $3.75

-2.67%

One-way Ticket (Public Transport)

$1.91 $1.91

$2.92 $2.92

-34.59%

Public Transport Monthly Pass (Regular Price)

$143 $143

Taxi Start (Normal Tariff)

$3.08 $3.08

$3.06 $3.06

0.65%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$2.16 $2.16

-14.35%

Taxi 1hour Waiting (Normal Tariff)

$26.49 $26.49

$41.33 $41.33

-35.91%

Gasoline (1 liter)

$0.88 $0.88

$1.12 $1.12

-21.43%

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

$25.4K $25.4K

$33.1K $33.1K

-23.33%

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

$24.8K $24.8K

$25.7K $25.7K

-3.48%

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

$195 $195

$219 $219

-10.88%

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

$59.2 $59.2

$75.3 $75.3

-21.40%

Internet (50+ Mbps, Unlimited Data)

$69.8 $69.8

$70.5 $70.5

-0.96%

Gym Membership (Monthly)

$41.22 $41.22

$116 $116

-64.31%

Tennis Court (1 Hour on Weekend)

$67.6 $67.6

Cinema Ticket

$13.72 $13.72

$21.37 $21.37

-35.80%

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

$1,260 $1,260

$3,432 $3,432

-63.27%

International Primary School, 1 Child (Yearly)

$22.3K $22.3K

$61.7K $61.7K

-63.82%

Jeans (Levis 501 Or Similar)

$53.9 $53.9

$74.9 $74.9

-28.07%

Summer Dress (H&M, Zara, etc)

$41.33 $41.33

$52.1 $52.1

-20.73%

Sport Shoes (Adidas, Nike)

$84.9 $84.9

$117 $117

-27.28%

Men's Leather Business Shoes

$116 $116

$135 $135

-13.94%

1-bedroom Apartment, City Center (Monthly)

$1,426 $1,426

$4,347 $4,347

-67.20%

1-bedroom Apartment, Outside City Center (Monthly)

$1,008 $1,008

$3,117 $3,117

-67.67%

3-bedroom Apartment, City Center (Monthly)

$2,785 $2,785

$9,110 $9,110

-69.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,096 $2,096

$5,379 $5,379

-61.04%

Buy Apartment in City Center (m2)

$2,721 $2,721

$19.3K $19.3K

-85.89%

Buy Apartment Outside City Center (m2)

$2,336 $2,336

$6,943 $6,943

-66.36%

Average Monthly Net Salary (After Tax)

$6,414 $6,414

$5,238 $5,238

22.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.47

6.85

-5.55%

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

Last update for The Villages, FL: October 18, 2026

Last update for New York, NY: October 17, 2026

Monthly budget structure

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

Accommodation & Living

The Villages, FL

$1K 46%

New York, NY

$3.1K 63.1% 209% $2.1K

Groceries & Markets

The Villages, FL

$401 18.3%

New York, NY

$552 11.2% 37.8% $151

Monthly Utilities & Internet

The Villages, FL

$325 14.8%

New York, NY

$365 7.4% 12.5% $41

Eating Out

The Villages, FL

$235 10.7%

New York, NY

$407 8.2% 73% $172

Clothing & Footwear

The Villages, FL

$133 6.1%

New York, NY

$170 3.5% 27.9% $37

Sport & Entertainment

The Villages, FL

$69 3.1%

New York, NY

$158 3.2% 131% $90

Getting Around

The Villages, FL

$20 * 0.9%

New York, NY

$168 3.4% 743% $148

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

Cost Breakdown

A central one-bedroom costs $1,426 in The Villages, FL versus $4,347 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 22% higher in The Villages, FL, 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 $75.0 in The Villages, FL versus $120 in New York, NY. Monthly groceries follow the same trend: $401 vs $552 – making The Villages, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 The Villages, FL

🇺🇸 New York, NY

🕒 Local time

04:17 4:17 AM

Same time as The Villages, FL

🌤 Weather

👥 Population

79,077

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

The Villages, FL New York, NY 1,480 km ≈ 2 h 15 min nonstop flight

From you

The Villages, FL
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

The Villages, FL vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 125% more than The Villages, FL, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,285 per month in The Villages, FL and $7,407 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 The Villages, FL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,190 in The Villages, FL and $4,938 in New York, NY. That's a gap of about 125%.

Kindergarten costs $1,260 per month in The Villages, FL and $3,432 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,500 monthly budget goes further in The Villages, FL, where all-in costs run around $2,190, than in New York, NY at $4,938. In The Villages, FL 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. The Villages, FL costs $2,190 versus $4,938 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 The Villages, FL. 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.