Home Home insurance Home Insurance Calculators Cost of living calculator Cost of living calculator Updated on April 11, 2023 The insure.com cost of living calculator shows how much housing, utilities and other basic living expenses cost in different U.S. cities in 2023.Where you live has a big impact on your wallet. Each city’s cost of living affects how much everyday expenses cost, such as bills and meals. It also affects the cost of larger purchases, like the cost of your home or home insurance policy. affects your insurance rates and how much everyday things cost. The cost of living varies significantly from city to city across the U.S. For example, the cost of living in Columbus, Ohio is almost half of the cost of living in New York. Meanwhile, living in Miami will cost almost 30% less than living in the big apple. Use the calculator below to figure out the cost of living in any U.S. city. Cost of living index comparison tool Moving From Please enter valid city/zip Moving To Please enter valid city/zip Current income after-tax $ Please enter salary Value must be less than 10 digit Re-Calculate x New York, NY Boise City, ID $22,290 Cost of living in Boise City, ID, after-tax Cost of Living 55.42% lower in Boise City, ID, than New York, NY Auto Insurance 68% lower in Boise City, ID, than New York, NY Home Insurance 30% lower in Boise City, ID, than New York, NY Compare cost of living: Boise City, ID, vs New York, NY Cost in Boise City, ID ------- vs ------- Cost in New York, NY Housing -74% Groceries -29% Utilities -22% Transportation -1% Healthcare -8% Misc. Goods & Services -23% Auto Insurance -68% Home Insurance -30% Auto Insurance New York, NY: $5,199 Boise City, ID: $1,663 % Change: 68% lower Find Insurers in Boise City, ID Home Insurance New York, NY: $2,241 Boise City, ID: $1,563 % Change: 30% lower Find Insurers in Boise City, ID Get this report NOW! GO Email sent successfully. Unable to send the Email. OR L O A D I N G How to use cost of living comparison calculator To use the tool, enter the Zip code to get the most accurate result. Cities can have multiple Zip codes, so by entering the city name, you'll get the average for all Zip codes in that city. We may not have cost-of-living data for some non-metropolitan areas. In those cases, we provide the cost-of-living information for the nearest Zip code with available information. The cost of living index lets you compare one area’s costs with another. Enter where you live and the information about another community. Provide your income and calculate the cost of living. Our tool shows what you’ll need to earn to maintain the same standard of living. The tool also highlights the cost differences for each category: housing, groceries, utilities, transportation, health care, auto insurance, and home insurance. The cost of living tool additionally includes how much you’d save on home and auto insurance. Enter your information below and compare the cost of living between two places. Highest and lowest cost of living areas in the U.S. Highest cost areas Lowest cost areas Highest Cost Areas Lowest Cost Areas New York-Jersey City-White Plains, NY-NJ - New York (Manhattan), NYUrban Honolulu, HISan Francisco-Oakland-Hayward, CANew York-Jersey City-White Plains, NY-NJ - New York (Brooklyn), NYWashington-Arlington-Alexandria, DC-VA-MD-WV - Washington, DCAnaheim-Santa Ana-Irvine, CALos Angeles-Long Beach-Glendale, CABoston, MASeattle-Tacoma-Bellevue, WANew York-Jersey City-White Plains, NY-NJ - New York (Queens), NY Kalamazoo-Portage, MIBrownsville-Harlingen, TXDecatur, ILMuskogee, OKMcAllen-Edinburg-Mission, TXTupelo, MSWinston-Salem, NC - Thomasville-Lexington, NCRichmond, INAlbany, GAAnniston-Oxford-Jacksonville, AL Cost of living by state Compares cities across the U.S. to find which ones are most expensive and least expensive. Graph Table States Least Expensive City Most Expensive City AlaskaEielson AFB, AKJuneau, AKAlabamaOxford, ALBirmingham, ALArkansasWooster, ARLittle Rock, ARArizonaKingman, AZLake Havasu City, AZCaliforniaChina Lake Acres, CASan Francisco, CAColoradoColorado City, COAgate, COConnecticutGranby, CTBridgeport, CTDistrict of ColumbiaNANADelawareCamden, DEYorklyn, DEFloridaWeirsdale, FLLauderdale Lakes, FLGeorgiaLeesburg, GABelvedere Park, GAHawaiiHonolulu, HIWaimanalo, HIIowaAnkeny, IAMaxwell, IAIdahoJerome, IDGarden Valley, IDIllinoisHarristown, ILChicago, ILIndianaCambridge City, INGary, INKansasOverbrook, KSKansas City, KSKentuckyReed, KYLouisville, KYLouisianaDequincy, LANew Orleans, LAMassachusettsNorth Attleboro, MARoxbury, MAMarylandMardela Springs, MDCapitol Heights, MDMaineSouth Portland, MERaymond, MEMichiganPortage, MIDetroit, MIMinnesotaSt. Peter, MNMinneapolis, MNMissouriAirport Drive, MOKansas City, MOMississippiVerona, MSBeaumont, MSMontanaUlm, MTThree Forks, MTNorth CarolinaLexington, NCDurham, NCNorth DakotaGrand Forks, NDCannon Ball, NDNebraskaDakota City, NEOmaha, NENew HampshireWilton, NHManchester, NHNew JerseyBrookside, NJNewark, NJNew MexicoSalem, NMCorrales, NMNevadaMesquite, NVReno, NVNew YorkStella Niagara, NYNew York, NYOhioBeaverdam, OHCincinnati, OHOklahomaWebbers Falls, OKEdmond, OKOregonEugene, ORPortland, ORPennsylvaniaErie, PAPhiladelphia, PARhode IslandMelville, RIProvidence, RISouth CarolinaAiken, SCFolly Beach, SCSouth DakotaBeresford, SDHayes, SDTennesseeAlcoa, TNCenterville, TNTexasHarlingen, TXMcKinney, TXUtahCedar City, UTSalt Lake City, UTVirginiaCollinsville, VAArlington, VAVermontWinooski, VTColchester, VTWashingtonSelah, WATacoma, WAWisconsinAshwaubenon, WIWoodworth, WIWest VirginiaCharleston, WVMillville, WVWyomingEdgerton, WYCarpenter, WY Show more AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY Select StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington D.C.West VirginiaWisconsinWyoming Below national averageEquals national averageAbove national average What is cost of living and how does it influence your life? What is cost of living? Cost of living is what it costs to live in an area and maintain your standard of living. Cost of living includes all of your everyday expenses, such as groceries or transportation. Why is cost of living an important factor? Cost of living is important to keep in mind before moving to a new city because it determines if you can maintain your standard of living. You may live comfortably in a small town, but that same salary may not go as far in high-cost areas like Manhattan, San Francisco, or Honolulu. How does insurance play a role in the cost of living? Insurance companies base premiums on risk. An area’s claims history, economics, and social factors play a role in insurance costs. For instance, a neighborhood with many car break-ins has higher rates. Additionally, a person who owns a home along the coast regularly hit by devastating storms will pay higher premiums. 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