Cost of Living Comparison Between Troy, NY and Austin, TX Cost of Living Comparison Between Troy, NY and Austin, TX

Monthly Cost of Living

Monthly costs for one person with rent: $2,238 in Troy, NY versus $2,706 in Austin, TX.

Estimated couple costs with rent: $3,448 in Troy, NY versus $4,169 in Austin, TX.

Monthly costs for a family of three with rent: $4,659 in Troy, NY versus $5,633 in Austin, TX.

Living in Troy, NY costs roughly 17% less than in Austin, TX, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Troy, NY 68% above, Austin, TX 103% above.

Meal at Budget Restaurant

$19.31 $19.31

$19.70 $19.70

-1.98%

Three-Course Dinner for Two, Mid-Range

$72.6 $72.6

$76.0 $76.0

-4.53%

Fast Food Meal (McDonalds, etc)

$11.95 $11.95

$9.86 $9.86

21.20%

Cappuccino

$6.13 $6.13

$5.48 $5.48

11.86%

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

$2.10 $2.10

$2.65 $2.65

-20.75%

Water (0.33 liter bottle)

$1.79 $1.79

$2.09 $2.09

-14.35%

Local Beer (0.5 liter draught)

$5.83 $5.83

$6.09 $6.09

-4.27%

Imported Beer (0.33 liter bottle)

$5.93 $5.93

$8.15 $8.15

-27.24%

Milk (1 liter)

$1.04 $1.04

$1.10 $1.10

-5.45%

White Bread (500g)

$3.33 $3.33

$3.39 $3.39

-1.77%

Rice (white) (1kg)

$5.71 $5.71

$3.38 $3.38

68.93%

Eggs

$3.81 $3.81

$4.39 $4.39

-13.21%

Local Cheese (1kg)

$14.11 $14.11

$12.10 $12.10

16.61%

Chicken Fillets (1kg)

$13.50 $13.50

$10.84 $10.84

24.54%

Beef Round Steak (1kg)

$17.33 $17.33

$14.68 $14.68

18.05%

Apples (1kg)

$3.72 $3.72

$4.96 $4.96

-25.00%

Banana (1kg)

$1.44 $1.44

$1.51 $1.51

-4.64%

Oranges (1kg)

$3.86 $3.86

$4.40 $4.40

-12.27%

Tomato (1kg)

$4.08 $4.08

$4.10 $4.10

-0.49%

Potato (1kg)

$3.00 $3.00

$2.81 $2.81

6.76%

Onion (1kg)

$2.45 $2.45

$2.87 $2.87

-14.63%

Lettuce (1 head)

$1.94 $1.94

$1.95 $1.95

-0.51%

Water (1.5 liter bottle)

$1.58 $1.58

$2.18 $2.18

-27.52%

Cigarettes 20 Pack (Marlboro, Camel)

$12.84 $12.84

$8.99 $8.99

42.83%

Wine (Bottle)

$13.89 $13.89

$15.11 $15.11

-8.07%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.33 $2.33

-24.89%

Imported Beer (0.33 liter bottle)

$3.36 $3.36

$3.43 $3.43

-2.04%

One-way Ticket (Public Transport)

$1.32 $1.32

$1.54 $1.54

-14.29%

Public Transport Monthly Pass (Regular Price)

$65.0 $65.0

$44.15 $44.15

47.20%

Taxi Start (Normal Tariff)

$3.07 $3.07

$4.41 $4.41

-30.39%

Taxi (Normal Tariff) (1km)

$1.36 $1.36

$1.83 $1.83

-25.68%

Taxi 1hour Waiting (Normal Tariff)

$27.44 $27.44

$34.65 $34.65

-20.81%

Gasoline (1 liter)

$0.92 $0.92

$0.78 $0.78

17.95%

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

$29.9K $29.9K

$26.0K $26.0K

15.37%

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

$25.3K $25.3K

$25.9K $25.9K

-2.19%

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

$196 $196

$175 $175

11.99%

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

$52.7 $52.7

$59.7 $59.7

-11.74%

Internet (50+ Mbps, Unlimited Data)

$66.4 $66.4

$65.5 $65.5

1.41%

Gym Membership (Monthly)

$43.63 $43.63

$61.3 $61.3

-28.79%

Tennis Court (1 Hour on Weekend)

$9.89 $9.89

Cinema Ticket

$15.27 $15.27

$14.76 $14.76

3.46%

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

$1,389 $1,389

$1,372 $1,372

1.25%

International Primary School, 1 Child (Yearly)

$28.0K $28.0K

$22.2K $22.2K

26.18%

Jeans (Levis 501 Or Similar)

$46.87 $46.87

$56.5 $56.5

-17.07%

Summer Dress (H&M, Zara, etc)

$34.34 $34.34

$45.29 $45.29

-24.18%

Sport Shoes (Adidas, Nike)

$82.5 $82.5

$85.0 $85.0

-3.00%

Men's Leather Business Shoes

$104 $104

$118 $118

-11.99%

1-bedroom Apartment, City Center (Monthly)

$1,206 $1,206

$2,201 $2,201

-45.21%

1-bedroom Apartment, Outside City Center (Monthly)

$911 $911

$1,403 $1,403

-35.04%

3-bedroom Apartment, City Center (Monthly)

$3,000 $3,000

$3,815 $3,815

-21.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,791 $1,791

$2,680 $2,680

-33.17%

Buy Apartment in City Center (m2)

$2,534 $2,534

$7,133 $7,133

-64.47%

Buy Apartment Outside City Center (m2)

$2,493 $2,493

$3,078 $3,078

-18.99%

Average Monthly Net Salary (After Tax)

$7,645 $7,645

$5,110 $5,110

49.61%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

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

Last update for Troy, NY: July 12, 2026

Last update for Austin, TX: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,206 in Troy, NY and $2,201 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 50% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $73.0 in Troy, NY vs $76.0 in Austin, TX. Groceries flip the comparison at $391 vs $379, with Austin, TX cheaper for home cooking.

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

Troy, NY vs Austin, TX: Cost of Living - Frequently Asked Questions

Troy, NY wins on cost – living expenses run 21% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Troy, NY the obvious pick if budget is a priority.

Average pay runs 50% higher in Troy, NY, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,206 in Troy, NY versus $2,201 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,238 per month in Troy, NY versus $2,706 in Austin, TX – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Troy, NY runs roughly 47% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,238 in Troy, NY versus $2,706 in Austin, TX, a $2,500 budget is realistic in Troy, NY but tight or insufficient in Austin, TX. The gap between the two cities makes Troy, NY the clear choice for anyone on this budget.

Both work as nomad bases, but Troy, NY delivers better value – similar infrastructure at $2,238 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Troy, NY hard to pass up.

Expats usually find Troy, NY gentler on the wallet – expenses run 21% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.