Cost of Living in Oyster Bay, NY - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $927 (excluding rent), and $2,493 including rent.

Family of 3: Estimated monthly costs are $2,379 (excluding rent), and $5,092 including rent.

Meal at Budget Restaurant

$16.94 $16.94

$11.95 $11.95

$29.89 $29.89

Three-Course Dinner for Two, Mid-Range

$99.8 $99.8

$59.9 $59.9

$150 $150

Fast Food Meal (McDonalds, etc)

$12.06 $12.06

$10.05 $10.05

$15.07 $15.07

Cappuccino

$5.45 $5.45

$2.03 $2.03

$7.09 $7.09

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

$2.38 $2.38

$2.04 $2.04

$3.06 $3.06

Water (0.33 liter bottle)

$1.61 $1.61

$1.53 $1.53

$2.29 $2.29

Local Beer (0.5 liter draught)

$7.02 $7.02

$5.02 $5.02

$12.04 $12.04

Imported Beer (0.33 liter bottle)

$6.97 $6.97

$11.94 $11.94

Milk (1 liter)

$1.27 $1.27

$0.78 $0.78

$1.82 $1.82

White Bread (500g)

$3.67 $3.67

$2.69 $2.69

$6.43 $6.43

Rice (white) (1kg)

$5.11 $5.11

$1.51 $1.51

$10.79 $10.79

Eggs

$4.88 $4.88

$2.21 $2.21

$9.09 $9.09

Local Cheese (1kg)

$13.85 $13.85

$6.56 $6.56

$32.81 $32.81

Chicken Fillets (1kg)

$10.16 $10.16

$6.53 $6.53

$15.24 $15.24

Beef Round Steak (1kg)

$17.54 $17.54

$8.97 $8.97

$24.63 $24.63

Apples (1kg)

$4.83 $4.83

$1.96 $1.96

$6.46 $6.46

Banana (1kg)

$1.71 $1.71

$0.98 $0.98

$4.32 $4.32

Oranges (1kg)

$3.89 $3.89

$1.62 $1.62

$6.50 $6.50

Tomato (1kg)

$4.23 $4.23

$2.02 $2.02

$8.92 $8.92

Potato (1kg)

$2.82 $2.82

$1.09 $1.09

$4.37 $4.37

Onion (1kg)

$2.66 $2.66

$1.88 $1.88

$6.79 $6.79

Lettuce (1 head)

$2.41 $2.41

$1.49 $1.49

$4.96 $4.96

Water (1.5 liter bottle)

$2.61 $2.61

$1.98 $1.98

$3.96 $3.96

Cigarettes 20 Pack (Marlboro, Camel)

$11.93 $11.93

$10.46 $10.46

$19.91 $19.91

Wine (Bottle)

$14.81 $14.81

$7.90 $7.90

$24.68 $24.68

Local Beer (0.5 liter bottle)

$1.69 $1.69

$1.63 $1.63

$4.20 $4.20

Imported Beer (0.33 liter bottle)

$4.39 $4.39

$1.87 $1.87

$7.94 $7.94

One-way Ticket (Public Transport)

$2.05 $2.05

$1.28 $1.28

$2.05 $2.05

Taxi Start (Normal Tariff)

$2.98 $2.98

$6.95 $6.95

Taxi (Normal Tariff) (1km)

$2.08 $2.08

Taxi 1hour Waiting (Normal Tariff)

$23.67 $23.67

$41.43 $41.43

Gasoline (1 liter)

$0.91 $0.91

$0.80 $0.80

$1.01 $1.01

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

$24.0K $24.0K

$36.9K $36.9K

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

$25.3K $25.3K

$25.0K $25.0K

$26.2K $26.2K

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

$124 $124

$84.2 $84.2

$693 $693

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

$44.82 $44.82

$34.86 $34.86

$69.7 $69.7

Internet (50+ Mbps, Unlimited Data)

$58.3 $58.3

$49.96 $49.96

$99.9 $99.9

Gym Membership (Monthly)

$43.21 $43.21

$17.58 $17.58

$50.2 $50.2

Cinema Ticket

$17.18 $17.18

$13.14 $13.14

$24.26 $24.26

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

$1,742 $1,742

$1,493 $1,493

$2,489 $2,489

International Primary School, 1 Child (Yearly)

$15.7K $15.7K

$14.7K $14.7K

$29.5K $29.5K

Jeans (Levis 501 Or Similar)

$49.29 $49.29

$19.72 $19.72

$118 $118

Summer Dress (H&M, Zara, etc)

$64.1 $64.1

$20.24 $20.24

$81.0 $81.0

Sport Shoes (Adidas, Nike)

$73.6 $73.6

$58.9 $58.9

$98.2 $98.2

Men's Leather Business Shoes

$99.3 $99.3

$60.8 $60.8

$203 $203

1-bedroom Apartment, City Center (Monthly)

$1,577 $1,577

$1,181 $1,181

$1,828 $1,828

1-bedroom Apartment, Outside City Center (Monthly)

$1,342 $1,342

$992 $992

$1,488 $1,488

3-bedroom Apartment, City Center (Monthly)

$2,662 $2,662

$2,025 $2,025

$3,037 $3,037

3-bedroom Apartment, Outside City Center (Monthly)

$2,222 $2,222

$1,700 $1,700

$2,500 $2,500

Buy Apartment in City Center (m2)

$2,839 $2,839

$2,073 $2,073

$2,839 $2,839

Buy Apartment Outside City Center (m2)

$2,238 $2,238

$1,845 $1,845

$2,238 $2,238

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.19

7.5

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

Last update: January 11, 2026

Oyster Bay, NY Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

339

Mbps

177

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Oyster Bay, NY - Frequently Asked Questions

Oyster Bay offers a coastal, safe, and walkable village vibe with reliable services. The Cost of Living in Oyster Bay, NY, United States tends to be higher than many inland suburbs, yet you gain top-tier amenities, well-regarded schools, and easy access to parks and the waterfront. Travelers, expats, and digital nomads who value quality of life and a calmer daily rhythm often find the value aligns with the lifestyle on offer, especially when anchored by nearby transit options. Tip: choose month-by-month coworking or library-friendly spots to blend work and leisure smoothly.

Daily life in Oyster Bay revolves around a compact town center, scenic routes, and a pace that suits both work and downtime. Housing options range from modest rentals near the water to family-friendly neighborhoods a short ride from the village core. Shopping and casual dining are accessible within walking distance, with farmers markets and cafes offering flexible options for remote work. Local transit supports trips to nearby Long Island hubs, while bikes and walking paths keep everyday errands manageable. When you plan, consider Oyster Bay, NY, United States living cost to tailor your search for apartments and groceries. Tip: Build a flexible weekly schedule to align with seasonal traffic and transit timetables.

Quality of life here comes from balance: rent or mortgage, groceries, transport, and leisure all shape your monthly plan. In Oyster Bay you'll notice seasonal rhythms that affect crowds, parking, and events, so build a small buffer into your budget for spikes in activity or travel. A practical framework focuses on housing stability, accessible amenities, and predictable transit or coworking costs. Save by negotiating leases, using libraries or coworking day passes, and shopping at farmers markets when possible. Neighborhood fit matters: seek quiet mornings near the water or pick inland pockets with longer services. Tip: track expenses weekly to spot patterns early.