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

Monthly Cost of Living

Monthly costs for one person with rent: $2,496 in Utica, NY versus $2,715 in Austin, TX.

Estimated couple costs with rent: $3,912 in Utica, NY versus $4,156 in Austin, TX.

Monthly costs for a family of three with rent: $5,328 in Utica, NY versus $5,596 in Austin, TX.

Living in Utica, NY costs roughly 8% less than in Austin, TX, driven mainly by Eating Out.

Both cities are pricier than the global median: Utica, NY 82% above, Austin, TX 98% above.

Meal at Budget Restaurant

$16.77 $16.77

$19.66 $19.66

-14.70%

Three-Course Dinner for Two, Mid-Range

$75.5 $75.5

$84.6 $84.6

-10.83%

Fast Food Meal (McDonalds, etc)

$11.11 $11.11

$12.30 $12.30

-9.67%

Cappuccino

$5.19 $5.19

$5.45 $5.45

-4.77%

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

$2.73 $2.73

$3.62 $3.62

-24.59%

Water (0.33 liter bottle)

$1.70 $1.70

$2.41 $2.41

-29.46%

Local Beer (0.5 liter draught)

$4.89 $4.89

$7.91 $7.91

-38.18%

Imported Beer (0.33 liter bottle)

$6.07 $6.07

$8.89 $8.89

-31.72%

Milk (1 liter)

$0.95 $0.95

$1.07 $1.07

-11.21%

White Bread (500g)

$3.51 $3.51

$3.68 $3.68

-4.62%

Rice (white) (1kg)

$2.97 $2.97

$3.34 $3.34

-11.08%

Eggs

$4.59 $4.59

$4.29 $4.29

6.99%

Local Cheese (1kg)

$13.28 $13.28

$13.00 $13.00

2.15%

Chicken Fillets (1kg)

$10.17 $10.17

$14.24 $14.24

-28.58%

Beef Round Steak (1kg)

$16.09 $16.09

$16.68 $16.68

-3.54%

Apples (1kg)

$4.71 $4.71

$4.49 $4.49

4.90%

Banana (1kg)

$1.49 $1.49

$1.42 $1.42

4.93%

Oranges (1kg)

$4.18 $4.18

$4.59 $4.59

-8.93%

Tomato (1kg)

$5.16 $5.16

$4.67 $4.67

10.49%

Potato (1kg)

$1.59 $1.59

$2.71 $2.71

-41.33%

Onion (1kg)

$2.10 $2.10

$2.58 $2.58

-18.60%

Lettuce (1 head)

$2.39 $2.39

$1.89 $1.89

26.46%

Water (1.5 liter bottle)

$2.45 $2.45

$2.19 $2.19

11.87%

Cigarettes 20 Pack (Marlboro, Camel)

$13.68 $13.68

$10.04 $10.04

36.25%

Wine (Bottle)

$12.08 $12.08

$15.08 $15.08

-19.89%

Local Beer (0.5 liter bottle)

$2.05 $2.05

$2.92 $2.92

-29.79%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$3.29 $3.29

5.17%

One-way Ticket (Public Transport)

$1.52 $1.52

$1.53 $1.53

-0.65%

Public Transport Monthly Pass (Regular Price)

$42.83 $42.83

$41.52 $41.52

3.16%

Taxi Start (Normal Tariff)

$5.36 $5.36

$2.70 $2.70

98.52%

Taxi (Normal Tariff) (1km)

$2.17 $2.17

$1.65 $1.65

31.52%

Taxi 1hour Waiting (Normal Tariff)

$45.07 $45.07

$35.05 $35.05

28.59%

Gasoline (1 liter)

$0.88 $0.88

$0.89 $0.89

-1.12%

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

$31.7K $31.7K

$36.4K $36.4K

-12.88%

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

$24.7K $24.7K

$27.1K $27.1K

-8.56%

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

$186 $186

$223 $223

-16.78%

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

$52.8 $52.8

$57.4 $57.4

-7.91%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$68.3 $68.3

-0.89%

Gym Membership (Monthly)

$40.03 $40.03

$65.6 $65.6

-38.94%

Tennis Court (1 Hour on Weekend)

$14.61 $14.61

Cinema Ticket

$13.05 $13.05

$13.95 $13.95

-6.45%

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

$790 $790

$1,523 $1,523

-48.14%

International Primary School, 1 Child (Yearly)

$33.0K $33.0K

$21.4K $21.4K

54.35%

Jeans (Levis 501 Or Similar)

$52.2 $52.2

$53.1 $53.1

-1.64%

Summer Dress (H&M, Zara, etc)

$44.68 $44.68

$42.81 $42.81

4.37%

Sport Shoes (Adidas, Nike)

$82.8 $82.8

$85.3 $85.3

-2.93%

Men's Leather Business Shoes

$88.7 $88.7

$103 $103

-13.90%

1-bedroom Apartment, City Center (Monthly)

$1,176 $1,176

$1,948 $1,948

-39.61%

1-bedroom Apartment, Outside City Center (Monthly)

$1,254 $1,254

$1,267 $1,267

-1.04%

3-bedroom Apartment, City Center (Monthly)

$1,998 $1,998

$3,765 $3,765

-46.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,578 $2,578

$2,553 $2,553

0.95%

Buy Apartment in City Center (m2)

$1,621 $1,621

$7,179 $7,179

-77.43%

Buy Apartment Outside City Center (m2)

$1,646 $1,646

$3,140 $3,140

-47.56%

Average Monthly Net Salary (After Tax)

$3,619 $3,619

$4,955 $4,955

-26.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.07

6.47

-6.18%

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

Last update for Utica, NY: September 14, 2026

Last update for Austin, TX: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,176 in Utica, NY and $1,948 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 37% 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: $75.0 in Utica, NY vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $378 vs $409 per month, with Utica, NY cheaper across the board.

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

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

Utica, NY wins on cost – living expenses run 9% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Utica, NY the obvious pick if budget is a priority.

On paper, salaries run 37% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,176 in Utica, NY versus $1,948 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,496 per month in Utica, NY versus $2,715 in Austin, TX – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Utica, NY runs roughly 3% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,496 in Utica, NY versus $2,715 in Austin, TX, a $2,000 budget is realistic in Utica, NY but tight or insufficient in Austin, TX. The gap between the two cities makes Utica, NY the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Utica, NY gentler on the wallet – expenses run 9% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.