Monthly Budget in New York for a Family of Four
What it costs two adults, two children to live in New York, NY in 2026.
$8,214
Total Monthly
$18,253
Salary Needed
187
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $3,366 |
| Essential | Groceries & household supplies | $165 |
| Essential | Utilities (electric, gas, water) | $48 |
| Essential | Transportation (gas, transit, maintenance) | $119 |
| Essential | Car insurance | $492 |
| Essential | Health insurance (family plan) | $186 |
| Lifestyle | Internet & streaming | $140 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $655 |
| Lifestyle | Entertainment & recreation | $561 |
| Essential | Childcare (2 children) | $2,244 |
| Essentials Subtotal | $6,620 | |
| Lifestyle Subtotal | $1,594 | |
| Total Monthly Budget | $8,214 |
💡 Salary Needed: To live in New York as two adults, two children with a 20% savings margin, you need approximately $18,253/year before taxes.Check affordability →