Last update: Oct 2026

Cost of Living Comparison Between Troy, NY and Seattle, WA

For one person, living is cheaper in Troy, NY: $2,388 a month against $3,800 in Seattle, WA, rent and utilities included – about $16,900 less a year. Rent and utilities account for most of the difference.

117

Cost of Living Index in Troy, NY
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Troy, NY Living Index
185

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index

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Troy, NY

🇺🇸 United States

$2,388

/mo nomad

Seattle, WA

🇺🇸 United States

$3,800

/mo nomad

Monthly Cost of Living

How much you'll spend in Troy, NY and in Seattle, WA

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

Monthly costs for one person with rent: $2,388 in Troy, NY versus $3,800 in Seattle, WA.

Troy, NY $2,388
Seattle, WA $3,800

Estimated couple costs with rent: $3,919 in Troy, NY versus $5,702 in Seattle, WA.

Troy, NY $3,919
Seattle, WA $5,702

Monthly costs for a family of three with rent: $5,451 in Troy, NY versus $7,603 in Seattle, WA.

Troy, NY $5,451
Seattle, WA $7,603

Living in Troy, NY costs roughly 37% less than in Seattle, WA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Troy, NY 77% above, Seattle, WA 182% above.

Meal at Budget Restaurant

$18.23 $18.23

$25.32 $25.32

-28.00%

Three-Course Dinner for Two, Mid-Range

$75.9 $75.9

$101 $101

-25.23%

Fast Food Meal (McDonalds, etc)

$12.04 $12.04

$14.85 $14.85

-18.92%

Cappuccino

$6.58 $6.58

$6.59 $6.59

-0.15%

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

$2.63 $2.63

$3.22 $3.22

-18.32%

Water (0.33 liter bottle)

$2.02 $2.02

$3.14 $3.14

-35.67%

Local Beer (0.5 liter draught)

$6.94 $6.94

$8.18 $8.18

-15.16%

Imported Beer (0.33 liter bottle)

$7.69 $7.69

$8.03 $8.03

-4.23%

Milk (1 liter)

$1.06 $1.06

$1.21 $1.21

-12.40%

White Bread (500g)

$3.21 $3.21

$5.12 $5.12

-37.30%

Rice (white) (1kg)

$4.34 $4.34

$6.30 $6.30

-31.11%

Eggs

$3.98 $3.98

$4.90 $4.90

-18.78%

Local Cheese (1kg)

$11.13 $11.13

$19.10 $19.10

-41.73%

Chicken Fillets (1kg)

$13.49 $13.49

$18.50 $18.50

-27.08%

Beef Round Steak (1kg)

$17.59 $17.59

$23.03 $23.03

-23.62%

Apples (1kg)

$4.76 $4.76

$5.81 $5.81

-18.07%

Banana (1kg)

$1.39 $1.39

$1.95 $1.95

-28.72%

Oranges (1kg)

$5.35 $5.35

$5.29 $5.29

1.13%

Tomato (1kg)

$4.78 $4.78

$6.48 $6.48

-26.23%

Potato (1kg)

$3.02 $3.02

$3.57 $3.57

-15.41%

Onion (1kg)

$3.69 $3.69

$3.15 $3.15

17.14%

Lettuce (1 head)

$2.20 $2.20

$2.85 $2.85

-22.81%

Water (1.5 liter bottle)

$1.98 $1.98

$2.42 $2.42

-18.18%

Cigarettes 20 Pack (Marlboro, Camel)

$14.27 $14.27

$12.75 $12.75

11.92%

Wine (Bottle)

$14.11 $14.11

$14.99 $14.99

-5.87%

Local Beer (0.5 liter bottle)

$2.07 $2.07

$4.17 $4.17

-50.36%

Imported Beer (0.33 liter bottle)

$3.99 $3.99

$5.99 $5.99

-33.39%

One-way Ticket (Public Transport)

$1.29 $1.29

$3.04 $3.04

-57.57%

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$110 $110

-41.27%

Taxi Start (Normal Tariff)

$3.77 $3.77

$2.55 $2.55

47.84%

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$1.64 $1.64

-15.85%

Taxi 1hour Waiting (Normal Tariff)

$30.54 $30.54

$29.58 $29.58

3.25%

Gasoline (1 liter)

$1.12 $1.12

$1.42 $1.42

-21.13%

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

$35.6K $35.6K

$35.7K $35.7K

-0.32%

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

$25.9K $25.9K

$25.6K $25.6K

1.31%

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

$214 $214

$299 $299

-28.47%

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

$59.3 $59.3

$70.8 $70.8

-16.21%

Internet (50+ Mbps, Unlimited Data)

$74.9 $74.9

$88.3 $88.3

-15.16%

Gym Membership (Monthly)

$44.04 $44.04

$79.5 $79.5

-44.61%

Tennis Court (1 Hour on Weekend)

$35.37 $35.37

Cinema Ticket

$15.16 $15.16

$17.12 $17.12

-11.45%

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

$1,502 $1,502

$3,013 $3,013

-50.15%

International Primary School, 1 Child (Yearly)

$17.2K $17.2K

$31.6K $31.6K

-45.77%

Jeans (Levis 501 Or Similar)

$54.7 $54.7

$77.2 $77.2

-29.18%

Summer Dress (H&M, Zara, etc)

$47.68 $47.68

$55.1 $55.1

-13.48%

Sport Shoes (Adidas, Nike)

$99.5 $99.5

$126 $126

-20.82%

Men's Leather Business Shoes

$123 $123

$163 $163

-24.55%

1-bedroom Apartment, City Center (Monthly)

$1,293 $1,293

$2,464 $2,464

-47.54%

1-bedroom Apartment, Outside City Center (Monthly)

$1,006 $1,006

$1,956 $1,956

-48.55%

3-bedroom Apartment, City Center (Monthly)

$3,046 $3,046

$4,711 $4,711

-35.36%

3-bedroom Apartment, Outside City Center (Monthly)

$2,439 $2,439

$3,550 $3,550

-31.28%

Buy Apartment in City Center (m2)

$2,537 $2,537

$7,346 $7,346

-65.46%

Buy Apartment Outside City Center (m2)

$2,516 $2,516

$5,048 $5,048

-50.17%

Average Monthly Net Salary (After Tax)

$7,603 $7,603

$6,286 $6,286

20.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.66

6.85

-2.77%

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

Last update for Troy, NY: October 11, 2026

Last update for Seattle, WA: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Troy, NY

$1K 42.2%

Seattle, WA

$2K 51.5% 94.4% $950

Groceries & Markets

Troy, NY

$403 16.9%

Seattle, WA

$542 14.3% 34.5% $139

Monthly Utilities & Internet

Troy, NY

$348 14.6%

Seattle, WA

$458 12.1% 31.6% $110

Eating Out

Troy, NY

$330 13.8%

Seattle, WA

$409 10.8% 24% $79

Clothing & Footwear

Troy, NY

$146 6.1%

Seattle, WA

$189 5% 29.6% $43

Getting Around

Troy, NY

$80 3.4%

Seattle, WA

$133 3.5% 65.3% $53

Sport & Entertainment

Troy, NY

$74 3.1%

Seattle, WA

$114 3% 53% $39

Cost Breakdown

A one-bedroom apartment in the center runs $1,293 in Troy, NY and $2,464 in Seattle, WA. Housing cost is often the main lever when comparing two cities.

Troy, NY pays 21% 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 $101 in Seattle, WA for a mid-range dinner for two. Groceries echo the gap at $403 vs $542 per month, with Troy, NY cheaper across the board.

Good to know

🇺🇸 Troy, NY

🇺🇸 Seattle, WA

🕒 Local time

11:22 11:22 AM

08:22 8:22 AM

3 h behind Troy, NY

🌤 Weather

👥 Population

51,401

737,015

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

Troy, NY Seattle, WA 3,790 km ≈ 5 h nonstop flight

From you

Troy, NY
Seattle, WA

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 Seattle, WA: Cost of Living - Frequently Asked Questions

Troy, NY is cheaper overall, especially in groceries, eating out, and clothing. The 59% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 21% 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 $2,464 in Seattle, WA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Troy, NY – a meal for two runs $76.0 versus $101 in Seattle, WA. 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 $3,800 in Seattle, WA – a 59% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,388 in Troy, NY versus $3,800 in Seattle, WA, a $2,500 budget is realistic in Troy, NY but tight or insufficient in Seattle, WA. The gap between the two cities makes Troy, NY the clear choice for anyone on this budget.

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

Expats usually find Troy, NY gentler on the wallet – expenses run 59% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.