Last update: Oct 2026

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

For one person, living is cheaper in Troy, NY: $2,388 a month against $2,663 in Austin, TX, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Austin, TX outweigh lower spending on other living expenses.

117

Cost of Living Index in Troy, NY
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Troy, NY Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Troy, NY

🇺🇸 United States

$2,388

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Troy, NY and in Austin, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Troy, NY and in Austin, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,388 in Troy, NY versus $2,663 in Austin, TX.

Troy, NY $2,388
Austin, TX $2,663

Estimated couple costs with rent: $3,919 in Troy, NY versus $4,133 in Austin, TX.

Troy, NY $3,919
Austin, TX $4,133

Monthly costs for a family of three with rent: $5,451 in Troy, NY versus $5,603 in Austin, TX.

Troy, NY $5,451
Austin, TX $5,603

Living in Troy, NY costs roughly 10% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Troy, NY 77% above, Austin, TX 97% above.

Meal at Budget Restaurant

$18.23 $18.23

$20.77 $20.77

-12.23%

Three-Course Dinner for Two, Mid-Range

$75.9 $75.9

$84.6 $84.6

-10.30%

Fast Food Meal (McDonalds, etc)

$12.04 $12.04

$12.32 $12.32

-2.27%

Cappuccino

$6.58 $6.58

$5.63 $5.63

16.87%

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

$2.63 $2.63

$3.72 $3.72

-29.30%

Water (0.33 liter bottle)

$2.02 $2.02

$2.50 $2.50

-19.20%

Local Beer (0.5 liter draught)

$6.94 $6.94

$8.05 $8.05

-13.79%

Imported Beer (0.33 liter bottle)

$7.69 $7.69

$9.01 $9.01

-14.65%

Milk (1 liter)

$1.06 $1.06

$1.12 $1.12

-5.36%

White Bread (500g)

$3.21 $3.21

$3.75 $3.75

-14.40%

Rice (white) (1kg)

$4.34 $4.34

$3.26 $3.26

33.13%

Eggs

$3.98 $3.98

$4.17 $4.17

-4.56%

Local Cheese (1kg)

$11.13 $11.13

$12.90 $12.90

-13.72%

Chicken Fillets (1kg)

$13.49 $13.49

$14.16 $14.16

-4.73%

Beef Round Steak (1kg)

$17.59 $17.59

$16.22 $16.22

8.45%

Apples (1kg)

$4.76 $4.76

$4.33 $4.33

9.93%

Banana (1kg)

$1.39 $1.39

$1.46 $1.46

-4.79%

Oranges (1kg)

$5.35 $5.35

$4.51 $4.51

18.63%

Tomato (1kg)

$4.78 $4.78

$4.34 $4.34

10.14%

Potato (1kg)

$3.02 $3.02

$2.58 $2.58

17.05%

Onion (1kg)

$3.69 $3.69

$2.35 $2.35

57.02%

Lettuce (1 head)

$2.20 $2.20

$1.78 $1.78

23.60%

Water (1.5 liter bottle)

$1.98 $1.98

$2.22 $2.22

-10.81%

Cigarettes 20 Pack (Marlboro, Camel)

$14.27 $14.27

$9.88 $9.88

44.43%

Wine (Bottle)

$14.11 $14.11

$15.08 $15.08

-6.43%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$2.92 $2.92

-29.11%

Imported Beer (0.33 liter bottle)

$3.99 $3.99

$3.46 $3.46

15.32%

One-way Ticket (Public Transport)

$1.29 $1.29

$1.49 $1.49

-13.42%

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$41.72 $41.72

54.94%

Taxi Start (Normal Tariff)

$3.77 $3.77

$2.73 $2.73

38.10%

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$1.66 $1.66

-16.87%

Taxi 1hour Waiting (Normal Tariff)

$30.54 $30.54

$35.30 $35.30

-13.48%

Gasoline (1 liter)

$1.12 $1.12

$0.95 $0.95

17.89%

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

$35.6K $35.6K

$36.0K $36.0K

-1.15%

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

$25.9K $25.9K

$27.1K $27.1K

-4.35%

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

$214 $214

$229 $229

-6.59%

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

$59.3 $59.3

$59.4 $59.4

-0.08%

Internet (50+ Mbps, Unlimited Data)

$74.9 $74.9

$69.9 $69.9

7.17%

Gym Membership (Monthly)

$44.04 $44.04

$57.2 $57.2

-23.06%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$15.16 $15.16

$14.28 $14.28

6.16%

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

$1,502 $1,502

$1,506 $1,506

-0.26%

International Primary School, 1 Child (Yearly)

$17.2K $17.2K

$21.5K $21.5K

-20.06%

Jeans (Levis 501 Or Similar)

$54.7 $54.7

$52.8 $52.8

3.58%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$43.82 $43.82

8.81%

Sport Shoes (Adidas, Nike)

$99.5 $99.5

$84.8 $84.8

17.34%

Men's Leather Business Shoes

$123 $123

$103 $103

19.14%

1-bedroom Apartment, City Center (Monthly)

$1,293 $1,293

$1,907 $1,907

-32.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,006 $1,006

$1,274 $1,274

-21.02%

3-bedroom Apartment, City Center (Monthly)

$3,046 $3,046

$3,664 $3,664

-16.89%

3-bedroom Apartment, Outside City Center (Monthly)

$2,439 $2,439

$2,538 $2,538

-3.89%

Buy Apartment in City Center (m2)

$2,537 $2,537

$7,614 $7,614

-66.67%

Buy Apartment Outside City Center (m2)

$2,516 $2,516

$3,157 $3,157

-20.33%

Average Monthly Net Salary (After Tax)

$7,603 $7,603

$5,121 $5,121

48.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.66

6.79

-1.91%

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

Last update for Troy, NY: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Troy, NY

$1K 42.2%

Austin, TX

$1.3K 47.8% 26.6% $268

Groceries & Markets

Troy, NY

$403 16.9%

Austin, TX

$405 15.2% 0.5% $1.9

Monthly Utilities & Internet

Troy, NY

$348 14.6%

Austin, TX

$358 13.5% 2.9% $10

Eating Out

Troy, NY

$330 13.8%

Austin, TX

$354 13.3% 7.4% $24

Clothing & Footwear

Troy, NY

$146 6.1%

Austin, TX

$128 4.8% 12.4% $18

Getting Around

Troy, NY

$80 3.4%

Austin, TX

$59 2.2% 27.1% $22

Sport & Entertainment

Troy, NY

$74 3.1%

Austin, TX

$86 3.2% 15.4% $11

Cost Breakdown

A one-bedroom apartment in the center runs $1,293 in Troy, NY and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 48% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $76.0 in Troy, NY vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $403 vs $405 per month, with Troy, NY cheaper across the board.

Good to know

🇺🇸 Troy, NY

🇺🇸 Austin, TX

🕒 Local time

10:03 10:03 AM

09:03 9:03 AM

1 h behind Troy, NY

🌤 Weather

👥 Population

51,401

974,447

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Troy, NY Austin, TX 2,540 km ≈ 3 h 45 min nonstop flight

From you

Troy, NY
Austin, TX

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

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

Troy, NY wins on cost – living expenses run 12% 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 48% 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: $1,293 in Troy, NY versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,388 per month in Troy, NY versus $2,663 in Austin, TX – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Troy, NY runs roughly 55% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,388 in Troy, NY versus $2,663 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 $2,388 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 12% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.