Last update: Oct 2026

Cost of Living Comparison Between Troy, NY and Calgary

For one person, living is cheaper in Calgary: $2,223 a month against $2,388 in Troy, NY, rent and utilities included – about $2,000 less a year. Other living expenses account for most of the difference.

117

Cost of Living Index in Troy, NY
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Troy, NY Living Index
109

Cost of Living Index in Calgary
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Calgary Living Index

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Troy, NY

🇺🇸 United States

$2,388

/mo nomad

Calgary

🇨🇦 Canada

$2,223

/mo nomad

Monthly Cost of Living

How much you'll spend in Troy, NY and in Calgary

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 Calgary actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,388 in Troy, NY versus $2,223 in Calgary.

Troy, NY $2,388
Calgary $2,223

Estimated couple costs with rent: $3,919 in Troy, NY versus $3,301 in Calgary.

Troy, NY $3,919
Calgary $3,301

Monthly costs for a family of three with rent: $5,451 in Troy, NY versus $4,379 in Calgary.

Troy, NY $5,451
Calgary $4,379

Living in Troy, NY is roughly 7% more expensive than in Calgary, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Troy, NY 77% above, Calgary 65% above.

Meal at Budget Restaurant

$18.23 $18.23

$17.22 CA$24.34

5.87%

Three-Course Dinner for Two, Mid-Range

$75.9 $75.9

$71.1 CA$100

6.80%

Fast Food Meal (McDonalds, etc)

$12.04 $12.04

$10.53 CA$14.89

14.34%

Cappuccino

$6.58 $6.58

$3.66 CA$5.18

79.78%

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

$2.63 $2.63

$1.98 CA$2.80

32.83%

Water (0.33 liter bottle)

$2.02 $2.02

$1.94 CA$2.74

4.12%

Local Beer (0.5 liter draught)

$6.94 $6.94

$4.95 CA$7.00

40.20%

Imported Beer (0.33 liter bottle)

$7.69 $7.69

$5.57 CA$7.87

38.06%

Milk (1 liter)

$1.06 $1.06

$1.88 CA$2.65

-43.62%

White Bread (500g)

$3.21 $3.21

$2.67 CA$3.78

20.22%

Rice (white) (1kg)

$4.34 $4.34

$5.32 CA$7.52

-18.42%

Eggs

$3.98 $3.98

$3.79 CA$5.35

5.01%

Local Cheese (1kg)

$11.13 $11.13

$11.09 CA$15.68

0.36%

Chicken Fillets (1kg)

$13.49 $13.49

$11.36 CA$16.05

18.75%

Beef Round Steak (1kg)

$17.59 $17.59

$18.40 CA$26.01

-4.40%

Apples (1kg)

$4.76 $4.76

$4.56 CA$6.45

4.39%

Banana (1kg)

$1.39 $1.39

$1.44 CA$2.04

-3.47%

Oranges (1kg)

$5.35 $5.35

$4.08 CA$5.76

31.13%

Tomato (1kg)

$4.78 $4.78

$3.89 CA$5.50

22.88%

Potato (1kg)

$3.02 $3.02

$2.64 CA$3.73

14.39%

Onion (1kg)

$3.69 $3.69

$2.64 CA$3.73

39.77%

Lettuce (1 head)

$2.20 $2.20

$2.50 CA$3.54

-12.00%

Water (1.5 liter bottle)

$1.98 $1.98

$1.50 CA$2.12

32.00%

Cigarettes 20 Pack (Marlboro, Camel)

$14.27 $14.27

$14.05 CA$19.86

1.57%

Wine (Bottle)

$14.11 $14.11

$15.70 CA$22.20

-10.13%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$2.44 CA$3.45

-15.16%

Imported Beer (0.33 liter bottle)

$3.99 $3.99

$3.09 CA$4.37

29.13%

One-way Ticket (Public Transport)

$1.29 $1.29

$2.82 CA$3.99

-54.26%

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$88.6 CA$125

-27.08%

Taxi Start (Normal Tariff)

$3.77 $3.77

$3.12 CA$4.41

20.83%

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$1.35 CA$1.91

2.22%

Taxi 1hour Waiting (Normal Tariff)

$30.54 $30.54

$27.02 CA$38.20

13.03%

Gasoline (1 liter)

$1.12 $1.12

$1.16 CA$1.64

-3.45%

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

$35.6K $35.6K

$27.9K CA$39.5K

27.69%

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

$25.9K $25.9K

$20.3K CA$28.8K

27.25%

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

$214 $214

$161 CA$227

33.05%

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

$59.3 $59.3

$38.13 CA$53.9

55.63%

Internet (50+ Mbps, Unlimited Data)

$74.9 $74.9

$50.0 CA$70.7

49.72%

Gym Membership (Monthly)

$44.04 $44.04

$51.5 CA$72.8

-14.47%

Tennis Court (1 Hour on Weekend)

$18.14 CA$25.64

Cinema Ticket

$15.16 $15.16

$13.82 CA$19.54

9.70%

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

$1,502 $1,502

$786 CA$1,111

91.04%

International Primary School, 1 Child (Yearly)

$17.2K $17.2K

$15.5K CA$21.8K

10.99%

Jeans (Levis 501 Or Similar)

$54.7 $54.7

$58.3 CA$82.4

-6.14%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$39.27 CA$55.5

21.42%

Sport Shoes (Adidas, Nike)

$99.5 $99.5

$89.8 CA$127

10.83%

Men's Leather Business Shoes

$123 $123

$110 CA$155

11.73%

1-bedroom Apartment, City Center (Monthly)

$1,293 $1,293

$1,229 CA$1,737

5.20%

1-bedroom Apartment, Outside City Center (Monthly)

$1,006 $1,006

$1,001 CA$1,415

0.51%

3-bedroom Apartment, City Center (Monthly)

$3,046 $3,046

$1,921 CA$2,716

58.55%

3-bedroom Apartment, Outside City Center (Monthly)

$2,439 $2,439

$1,621 CA$2,292

50.48%

Buy Apartment in City Center (m2)

$2,537 $2,537

$3,549 CA$5,018

-28.51%

Buy Apartment Outside City Center (m2)

$2,516 $2,516

$3,335 CA$4,715

-24.57%

Average Monthly Net Salary (After Tax)

$7,603 $7,603

$3,165 CA$4,474

140.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.66

4.51

47.67%

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

Last update for Troy, NY: October 11, 2026

Last update for Calgary: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Troy, NY

$1K 42.2%

Calgary

$1K 45% 0.5% $5.1

Groceries & Markets

Troy, NY

$403 16.9%

Calgary

$385 17.3% 4.3% $17

Monthly Utilities & Internet

Troy, NY

$348 14.6%

Calgary

$249 11.2% 28.5% $99

Eating Out

Troy, NY

$330 13.8%

Calgary

$265 11.9% 19.6% $65

Clothing & Footwear

Troy, NY

$146 6.1%

Calgary

$134 6% 8.5% $12

Getting Around

Troy, NY

$80 3.4%

Calgary

$110 4.9% 36.5% $29

Sport & Entertainment

Troy, NY

$74 3.1%

Calgary

$79 3.6% 6.4% $4.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,293 in Troy, NY and $1,229 in Calgary. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 140% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $76.0 in Troy, NY vs $71.0 in Calgary for a mid-range dinner for two. Groceries echo the gap at $403 vs $385 per month, with Calgary cheaper across the board.

Good to know

🇺🇸 Troy, NY

🇨🇦 Calgary

🕒 Local time

14:20 2:20 PM

12:20 12:20 PM

2 h behind Troy, NY

🌤 Weather

👥 Population

51,401

1,267,344

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.889 EUR

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

Canadian Dollar exchange rates as of October 17, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

CAD to USD in detail →

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Troy, NY Calgary 3,160 km ≈ 4 h 30 min nonstop flight

From you

Troy, NY
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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 Calgary: Cost of Living - Frequently Asked Questions

Calgary is cheaper overall, especially in groceries, eating out, and clothing. The 7% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 140% 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 $1,229 in Calgary. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Calgary – a meal for two runs $71.0 versus $76.0 in Troy, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,388 per month in Troy, NY versus $2,223 in Calgary – a 7% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,223 in Calgary versus $2,388 in Troy, NY, a $2,500 budget is realistic in Calgary but tight or insufficient in Troy, NY. The gap between the two cities makes Calgary the clear choice for anyone on this budget.

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

Expats usually find Calgary gentler on the wallet – expenses run 7% less than in Troy, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.