Last update: Oct 2026

Cost of Living Comparison Between Utica, NY and Calgary

For one person, living is cheaper in Calgary: $2,232 a month against $2,496 in Utica, NY, rent and utilities included – about $3,200 less a year. Higher rent and utilities in Utica, NY outweigh lower spending on other living expenses.

121

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

Cost of Living Index in Calgary
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Calgary Living Index

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Utica, NY

🇺🇸 United States

$2,496

/mo nomad

Calgary

🇨🇦 Canada

$2,232

/mo nomad

Monthly Cost of Living

How much you'll spend in Utica, 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 Utica, NY and in Calgary actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,496 in Utica, NY versus $2,232 in Calgary.

Utica, NY $2,496
Calgary $2,232

Estimated couple costs with rent: $3,915 in Utica, NY versus $3,363 in Calgary.

Utica, NY $3,915
Calgary $3,363

Monthly costs for a family of three with rent: $5,335 in Utica, NY versus $4,493 in Calgary.

Utica, NY $5,335
Calgary $4,493

Living in Utica, NY is roughly 12% more expensive than in Calgary, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Utica, NY 86% above, Calgary 67% above.

Meal at Budget Restaurant

$16.73 $16.73

$17.22 CA$24.55

-2.85%

Three-Course Dinner for Two, Mid-Range

$74.1 $74.1

$71.2 CA$102

4.04%

Fast Food Meal (McDonalds, etc)

$11.10 $11.10

$10.56 CA$15.06

5.11%

Cappuccino

$5.37 $5.37

$3.77 CA$5.38

42.44%

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

$2.70 $2.70

$1.91 CA$2.73

41.36%

Water (0.33 liter bottle)

$1.72 $1.72

$1.84 CA$2.63

-6.52%

Local Beer (0.5 liter draught)

$5.07 $5.07

$4.86 CA$6.94

4.32%

Imported Beer (0.33 liter bottle)

$5.98 $5.98

$5.55 CA$7.91

7.75%

Milk (1 liter)

$0.94 $0.94

$1.88 CA$2.68

-50.00%

White Bread (500g)

$3.54 $3.54

$2.73 CA$3.89

29.67%

Rice (white) (1kg)

$2.99 $2.99

$5.34 CA$7.62

-44.01%

Eggs

$4.65 $4.65

$3.77 CA$5.37

23.34%

Local Cheese (1kg)

$13.34 $13.34

$11.29 CA$16.10

18.16%

Chicken Fillets (1kg)

$9.99 $9.99

$11.46 CA$16.34

-12.83%

Beef Round Steak (1kg)

$15.82 $15.82

$18.26 CA$26.04

-13.36%

Apples (1kg)

$4.88 $4.88

$4.64 CA$6.62

5.17%

Banana (1kg)

$1.49 $1.49

$1.44 CA$2.05

3.47%

Oranges (1kg)

$4.21 $4.21

$4.22 CA$6.02

-0.24%

Tomato (1kg)

$5.29 $5.29

$3.86 CA$5.50

37.05%

Potato (1kg)

$1.61 $1.61

$2.62 CA$3.74

-38.55%

Onion (1kg)

$2.10 $2.10

$2.66 CA$3.79

-21.05%

Lettuce (1 head)

$2.41 $2.41

$2.59 CA$3.69

-6.95%

Water (1.5 liter bottle)

$2.33 $2.33

$1.53 CA$2.19

52.29%

Cigarettes 20 Pack (Marlboro, Camel)

$13.55 $13.55

$14.26 CA$20.33

-4.98%

Wine (Bottle)

$12.17 $12.17

$15.27 CA$21.77

-20.30%

Local Beer (0.5 liter bottle)

$2.02 $2.02

$2.41 CA$3.44

-16.18%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$3.09 CA$4.41

11.97%

One-way Ticket (Public Transport)

$1.47 $1.47

$2.88 CA$4.11

-48.96%

Public Transport Monthly Pass (Regular Price)

$42.92 $42.92

$88.7 CA$126

-51.62%

Taxi Start (Normal Tariff)

$5.14 $5.14

$3.23 CA$4.61

59.13%

Taxi (Normal Tariff) (1km)

$2.17 $2.17

$1.38 CA$1.97

57.25%

Taxi 1hour Waiting (Normal Tariff)

$45.35 $45.35

$26.49 CA$37.77

71.20%

Gasoline (1 liter)

$0.91 $0.91

$1.18 CA$1.68

-22.88%

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

$31.8K $31.8K

$28.3K CA$40.3K

12.49%

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

$24.9K $24.9K

$20.7K CA$29.6K

20.17%

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

$188 $188

$159 CA$227

17.94%

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

$51.8 $51.8

$37.61 CA$53.6

37.62%

Internet (50+ Mbps, Unlimited Data)

$67.5 $67.5

$49.68 CA$70.8

35.79%

Gym Membership (Monthly)

$40.18 $40.18

$53.3 CA$75.9

-24.54%

Tennis Court (1 Hour on Weekend)

$18.31 CA$26.11

Cinema Ticket

$13.10 $13.10

$14.08 CA$20.07

-6.96%

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

$806 $806

$809 CA$1,154

-0.46%

International Primary School, 1 Child (Yearly)

$33.0K $33.0K

$15.9K CA$22.6K

108.08%

Jeans (Levis 501 Or Similar)

$54.1 $54.1

$58.8 CA$83.8

-8.01%

Summer Dress (H&M, Zara, etc)

$44.32 $44.32

$38.84 CA$55.4

14.11%

Sport Shoes (Adidas, Nike)

$83.0 $83.0

$91.4 CA$130

-9.18%

Men's Leather Business Shoes

$89.6 $89.6

$109 CA$155

-17.82%

1-bedroom Apartment, City Center (Monthly)

$1,183 $1,183

$1,237 CA$1,764

-4.42%

1-bedroom Apartment, Outside City Center (Monthly)

$1,289 $1,289

$996 CA$1,420

29.42%

3-bedroom Apartment, City Center (Monthly)

$2,055 $2,055

$1,908 CA$2,721

7.72%

3-bedroom Apartment, Outside City Center (Monthly)

$2,606 $2,606

$1,671 CA$2,383

55.94%

Buy Apartment in City Center (m2)

$1,624 $1,624

$3,530 CA$5,034

-54.01%

Buy Apartment Outside City Center (m2)

$1,663 $1,663

$3,336 CA$4,757

-50.15%

Average Monthly Net Salary (After Tax)

$3,600 $3,600

$3,130 CA$4,463

15.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.52

4.51

44.57%

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

Last update for Utica, NY: October 5, 2026

Last update for Calgary: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Utica, NY

$1.3K 51.3%

Calgary

$996 44.8% 22.7% $293

Groceries & Markets

Utica, NY

$377 15%

Calgary

$387 17.4% 2.6% $9.9

Monthly Utilities & Internet

Utica, NY

$307 12.2%

Calgary

$247 11.1% 19.7% $60

Eating Out

Utica, NY

$287 11.4%

Calgary

$265 11.9% 7.5% $21

Clothing & Footwear

Utica, NY

$122 4.9%

Calgary

$134 6% 10% $12

Sport & Entertainment

Utica, NY

$66 2.6%

Calgary

$81 3.7% 22.6% $15

Getting Around

Utica, NY

$65 2.6%

Calgary

$110 5% 70.3% $46

Cost Breakdown

A one-bedroom apartment in the center runs $1,183 in Utica, NY and $1,237 in Calgary. Housing cost is often the main lever when comparing two cities.

Utica, NY pays 15% 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: $74.0 in Utica, NY vs $71.0 in Calgary. Groceries flip the comparison at $377 vs $387, with Utica, NY cheaper for home cooking.

Good to know

🇺🇸 Utica, NY

🇨🇦 Calgary

🕒 Local time

09:37 9:37 AM

07:37 7:37 AM

2 h behind Utica, NY

🌤 Weather

👥 Population

65,283

1,267,344

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.892 EUR

1 CAD = 0.701 USD

1 CAD = 0.626 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 12, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

Canadian Dollar exchange rates as of October 12, 2026: 1 USD = 1.43 CAD (1 CAD = 0.701 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

CAD to USD in detail →

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Utica, NY Calgary 3,030 km ≈ 4 h 15 min nonstop flight

From you

Utica, NY
Calgary

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

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

Calgary is cheaper overall, especially in eating out and utilities. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 15% higher in Utica, 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: $1,183 in Utica, NY versus $1,237 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 $74.0 in Utica, NY. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,496 per month in Utica, NY versus $2,232 in Calgary – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,232 in Calgary versus $2,496 in Utica, NY, a $2,500 budget is realistic in Calgary but tight or insufficient in Utica, NY. The gap between the two cities makes Calgary 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 Calgary gentler on the wallet – expenses run 12% less than in Utica, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.