Last update: Nov 2026

Cost of Living Comparison Between Urbana, IL and New York, NY

For one person, living is cheaper in Urbana, IL: $1,886 a month against $4,906 in New York, NY, rent and utilities included – about $36,200 less a year. Rent and utilities account for most of the difference.

90

Cost of Living Index in Urbana, IL
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Urbana, IL Living Index
234

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

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Urbana, IL

🇺🇸 United States

$1,886

/mo nomad

New York, NY

🇺🇸 United States

$4,906

/mo nomad

Monthly Cost of Living

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

A single person spends $1,886 per month in Urbana, IL vs $4,906 in New York, NY, rent included.

Urbana, IL $1,886
New York, NY $4,906

A couple spends around $2,137 per month in Urbana, IL vs $7,273 in New York, NY, rent included.

Urbana, IL $2,137
New York, NY $7,273

A family of three spends $2,388 per month in Urbana, IL vs $9,641 in New York, NY, rent included.

Urbana, IL $2,388
New York, NY $9,641

Urbana, IL is about 62% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Urbana, IL and New York, NY sit above the global median – Urbana, IL by 40%, New York, NY by 263%.

Meal at Budget Restaurant

$14.91 $14.91

$26.93 $26.93

-44.63%

Three-Course Dinner for Two, Mid-Range

$60.0 $60.0

$117 $117

-48.64%

Fast Food Meal (McDonalds, etc)

$10.14 $10.14

$14.60 $14.60

-30.55%

Cappuccino

$4.80 $4.80

$6.54 $6.54

-26.61%

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

$2.26 $2.26

$3.86 $3.86

-41.45%

Water (0.33 liter bottle)

$1.72 $1.72

$2.95 $2.95

-41.69%

Local Beer (0.5 liter draught)

$5.58 $5.58

$8.08 $8.08

-30.94%

Imported Beer (0.33 liter bottle)

$5.37 $5.37

$9.85 $9.85

-45.48%

Milk (1 liter)

$0.85 $0.85

$1.31 $1.31

-35.11%

White Bread (500g)

$3.09 $3.09

$4.97 $4.97

-37.83%

Rice (white) (1kg)

$3.01 $3.01

$7.70 $7.70

-60.91%

Eggs

$3.80 $3.80

$6.09 $6.09

-37.60%

Local Cheese (1kg)

$11.97 $11.97

$19.55 $19.55

-38.77%

Chicken Fillets (1kg)

$8.62 $8.62

$17.59 $17.59

-50.99%

Beef Round Steak (1kg)

$14.23 $14.23

$20.26 $20.26

-29.76%

Apples (1kg)

$4.07 $4.07

$6.99 $6.99

-41.77%

Banana (1kg)

$1.67 $1.67

$2.21 $2.21

-24.43%

Oranges (1kg)

$3.25 $3.25

$6.72 $6.72

-51.64%

Tomato (1kg)

$4.56 $4.56

$7.12 $7.12

-35.96%

Potato (1kg)

$2.18 $2.18

$4.61 $4.61

-52.71%

Onion (1kg)

$2.69 $2.69

$4.78 $4.78

-43.72%

Lettuce (1 head)

$2.27 $2.27

$2.87 $2.87

-20.91%

Water (1.5 liter bottle)

$1.34 $1.34

$2.69 $2.69

-50.19%

Cigarettes 20 Pack (Marlboro, Camel)

$12.30 $12.30

$19.14 $19.14

-35.74%

Wine (Bottle)

$15.06 $15.06

$19.63 $19.63

-23.28%

Local Beer (0.5 liter bottle)

$2.15 $2.15

$3.32 $3.32

-35.24%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$4.19 $4.19

-16.47%

One-way Ticket (Public Transport)

$0.98 $0.98

$3.02 $3.02

-67.55%

Public Transport Monthly Pass (Regular Price)

$139 $139

Taxi Start (Normal Tariff)

$3.04 $3.04

Taxi (Normal Tariff) (1km)

$0.64 $0.64

$2.20 $2.20

-70.91%

Taxi 1hour Waiting (Normal Tariff)

$24.94 $24.94

$41.33 $41.33

-39.66%

Gasoline (1 liter)

$1.11 $1.11

$1.13 $1.13

-1.77%

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

$27.2K $27.2K

$34.5K $34.5K

-20.96%

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

$26.4K $26.4K

$25.8K $25.8K

2.21%

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

$238 $238

$232 $232

2.36%

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

$45.91 $45.91

$71.0 $71.0

-35.37%

Internet (50+ Mbps, Unlimited Data)

$60.6 $60.6

$67.7 $67.7

-10.48%

Gym Membership (Monthly)

$115 $115

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

Cinema Ticket

$12.79 $12.79

$22.41 $22.41

-42.93%

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

$987 $987

$3,606 $3,606

-72.64%

International Primary School, 1 Child (Yearly)

$17.1K $17.1K

$68.7K $68.7K

-75.10%

Jeans (Levis 501 Or Similar)

$49.14 $49.14

$79.3 $79.3

-37.99%

Summer Dress (H&M, Zara, etc)

$51.5 $51.5

$51.4 $51.4

0.25%

Sport Shoes (Adidas, Nike)

$102 $102

$121 $121

-15.67%

Men's Leather Business Shoes

$122 $122

$140 $140

-13.29%

1-bedroom Apartment, City Center (Monthly)

$842 $842

$4,555 $4,555

-81.51%

1-bedroom Apartment, Outside City Center (Monthly)

$759 $759

$3,040 $3,040

-75.03%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

Buy Apartment in City Center (m2)

$1,761 $1,761

$18.2K $18.2K

-90.34%

Buy Apartment Outside City Center (m2)

$1,777 $1,777

$6,685 $6,685

-73.42%

Average Monthly Net Salary (After Tax)

$6,662 $6,662

$5,096 $5,096

30.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.82

6.89

-1.02%

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

Last update for Urbana, IL: November 2, 2026

Last update for New York, NY: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Urbana, IL

$759 40.2%

New York, NY

$3K 62% 301% $2.3K

Monthly Utilities & Internet

Urbana, IL

$344 18.3%

New York, NY

$371 7.6% 7.8% $27

Groceries & Markets

Urbana, IL

$339 18%

New York, NY

$567 11.6% 67.1% $228

Eating Out

Urbana, IL

$262 13.9%

New York, NY

$425 8.7% 62.3% $163

Clothing & Footwear

Urbana, IL

$146 7.7%

New York, NY

$176 3.6% 20.8% $30

Sport & Entertainment

Urbana, IL

$26 * 1.4%

New York, NY

$160 3.3% 527% $135

Getting Around

Urbana, IL

$10 * 0.5%

New York, NY

$165 3.4% 1527% $155

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

Cost Breakdown

A central one-bedroom costs $842 in Urbana, IL versus $4,555 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 31% higher in Urbana, IL, 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 $60 in Urbana, IL versus $117 in New York, NY. Monthly groceries follow the same trend: $339 vs $567 – making Urbana, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Urbana, IL

🇺🇸 New York, NY

🕒 Local time

09:58 9:58 AM

10:58 10:58 AM

1 h ahead of Urbana, IL

🌤 Weather

👥 Population

41,250

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

Urbana, IL New York, NY 1,190 km ≈ 2 h nonstop flight

From you

Urbana, IL
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

Urbana, IL vs New York, NY: Cost of Living - Frequently Asked Questions

New York, NY costs about 160% more than Urbana, IL, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,830 per month in Urbana, IL and $7,358 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 Urbana, IL, especially for central apartments: a one-bedroom in the center costs $842 there versus $4,555 in New York, NY.

Monthly expenses with rent come to $1,886 in Urbana, IL and $4,906 in New York, NY. That makes Urbana, IL about 62% cheaper.

Kindergarten costs $987 per month in Urbana, IL and $3,606 in New York, NY. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Families tend to lean toward Urbana, IL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.