Cost of Living Comparison Between Utica, NY and London Cost of Living Comparison Between Utica, NY and London

Monthly Cost of Living

Monthly costs for one person with rent: $2,496 in Utica, NY versus $2,413 in London.

Estimated couple costs with rent: $3,912 in Utica, NY versus $3,451 in London.

Monthly costs for a family of three with rent: $5,328 in Utica, NY versus $4,490 in London.

Living in Utica, NY is roughly 3% more expensive than in London, driven mainly by Getting Around.

Both cities are pricier than the global median: Utica, NY 82% above, London 76% above.

Meal at Budget Restaurant

$16.77 $16.77

$21.91 CA$30.65

-23.46%

Three-Course Dinner for Two, Mid-Range

$75.5 $75.5

$64.4 CA$90.1

17.13%

Fast Food Meal (McDonalds, etc)

$11.11 $11.11

$12.45 CA$17.42

-10.76%

Cappuccino

$5.19 $5.19

$3.79 CA$5.30

36.94%

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

$2.73 $2.73

$2.22 CA$3.11

22.97%

Water (0.33 liter bottle)

$1.70 $1.70

$2.20 CA$3.08

-22.73%

Local Beer (0.5 liter draught)

$4.89 $4.89

$6.34 CA$8.87

-22.87%

Imported Beer (0.33 liter bottle)

$6.07 $6.07

$6.55 CA$9.17

-7.33%

Milk (1 liter)

$0.95 $0.95

$2.02 CA$2.83

-52.97%

White Bread (500g)

$3.51 $3.51

$2.60 CA$3.63

35.00%

Rice (white) (1kg)

$2.97 $2.97

$4.05 CA$5.66

-26.67%

Eggs

$4.59 $4.59

$3.78 CA$5.28

21.43%

Local Cheese (1kg)

$13.28 $13.28

$10.17 CA$14.23

30.58%

Chicken Fillets (1kg)

$10.17 $10.17

$11.83 CA$16.55

-14.03%

Beef Round Steak (1kg)

$16.09 $16.09

$15.37 CA$21.50

4.68%

Apples (1kg)

$4.71 $4.71

$4.36 CA$6.09

8.03%

Banana (1kg)

$1.49 $1.49

$1.38 CA$1.93

7.97%

Oranges (1kg)

$4.18 $4.18

$3.93 CA$5.50

6.36%

Tomato (1kg)

$5.16 $5.16

$4.10 CA$5.74

25.85%

Potato (1kg)

$1.59 $1.59

$3.14 CA$4.39

-49.36%

Onion (1kg)

$2.10 $2.10

$3.17 CA$4.44

-33.75%

Lettuce (1 head)

$2.39 $2.39

$2.51 CA$3.51

-4.78%

Water (1.5 liter bottle)

$2.45 $2.45

$1.48 CA$2.08

65.54%

Cigarettes 20 Pack (Marlboro, Camel)

$13.68 $13.68

$12.05 CA$16.86

13.53%

Wine (Bottle)

$12.08 $12.08

$12.34 CA$17.27

-2.11%

Local Beer (0.5 liter bottle)

$2.05 $2.05

$2.55 CA$3.57

-19.61%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$2.87 CA$4.02

20.56%

One-way Ticket (Public Transport)

$1.52 $1.52

$2.37 CA$3.31

-35.86%

Public Transport Monthly Pass (Regular Price)

$42.83 $42.83

$81.3 CA$114

-47.31%

Taxi Start (Normal Tariff)

$5.36 $5.36

$2.58 CA$3.61

107.75%

Taxi (Normal Tariff) (1km)

$2.17 $2.17

$1.65 CA$2.31

31.52%

Taxi 1hour Waiting (Normal Tariff)

$45.07 $45.07

$22.58 CA$31.59

99.60%

Gasoline (1 liter)

$0.88 $0.88

$1.23 CA$1.72

-28.46%

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

$31.7K $31.7K

$28.1K CA$39.4K

12.75%

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

$24.7K $24.7K

$24.1K CA$33.7K

2.84%

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

$186 $186

$139 CA$194

33.98%

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

$52.8 $52.8

$41.37 CA$57.9

27.73%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$56.4 CA$78.9

20.06%

Gym Membership (Monthly)

$40.03 $40.03

$38.15 CA$53.4

4.93%

Tennis Court (1 Hour on Weekend)

$28.95 CA$40.50

Cinema Ticket

$13.05 $13.05

$10.73 CA$15.00

21.62%

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

$790 $790

$426 CA$596

85.30%

International Primary School, 1 Child (Yearly)

$33.0K $33.0K

$20.5K CA$28.6K

61.19%

Jeans (Levis 501 Or Similar)

$52.2 $52.2

$54.0 CA$75.5

-3.24%

Summer Dress (H&M, Zara, etc)

$44.68 $44.68

$39.82 CA$55.7

12.20%

Sport Shoes (Adidas, Nike)

$82.8 $82.8

$83.6 CA$117

-0.93%

Men's Leather Business Shoes

$88.7 $88.7

$91.0 CA$127

-2.60%

1-bedroom Apartment, City Center (Monthly)

$1,176 $1,176

$1,271 CA$1,778

-7.44%

1-bedroom Apartment, Outside City Center (Monthly)

$1,254 $1,254

$1,156 CA$1,617

8.45%

3-bedroom Apartment, City Center (Monthly)

$1,998 $1,998

$2,109 CA$2,951

-5.30%

3-bedroom Apartment, Outside City Center (Monthly)

$2,578 $2,578

$1,697 CA$2,375

51.85%

Buy Apartment in City Center (m2)

$1,621 $1,621

$3,526 CA$4,932

-54.04%

Buy Apartment Outside City Center (m2)

$1,646 $1,646

$3,696 CA$5,170

-55.45%

Average Monthly Net Salary (After Tax)

$3,619 $3,619

$2,971 CA$4,156

21.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.07

4.72

28.60%

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

Last update for Utica, NY: September 14, 2026

Last update for London: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,176 in Utica, NY and $1,271 in London. Housing cost is often the main lever when comparing two cities.

Utica, NY pays 22% 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 $64.0 in London for a mid-range dinner for two. Groceries echo the gap at $378 vs $366 per month, with London 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 London: Cost of Living - Frequently Asked Questions

London is cheaper overall, especially in Groceries & Markets, Monthly Utilities & Internet, Sport & Entertainment. The 3% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 22% 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: $1,176 in Utica, NY versus $1,271 in London. 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 $2,413 in London – a 3% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in London runs roughly 90% less than in Utica, NY. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $2,413 in London versus $2,496 in Utica, NY, a $2,500 budget is realistic in London but tight or insufficient in Utica, NY. The gap between the two cities makes London the clear choice for anyone on this budget.

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

Safety-wise, Utica, NY and London are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find London gentler on the wallet – expenses run 3% less than in Utica, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.