Providence, RI vs New York, NY
Moving from Providence to New York? Here's what changes — from your equivalent salary to housing ($524,867 → $727,625 median home) and taxes.
Providence vs New York at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Providence, RI, you'd need about $126,240 in New York, NY (+$26,240).
Livability — Providence, RI: 58 · New York, NY: 43 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,524 sqft in Providence vs 1,099 sqft in New York ($328 vs $455 per sqft).
Annual cost breakdown (at $100,000)
| Category | Providence, RI | New York, NY | Difference |
|---|---|---|---|
| Housing | $25,956 | $42,036 | +$16,080 |
| Groceries | $4,922 | $5,415 | +$493 |
| Transportation | $3,875 | $3,895 | +$20 |
| Utilities | $5,928 | $6,312 | +$384 |
| Insurance | $180 | $180 | +$0 |
| Taxes | $6,401 | $12,290 | +$5,889 |
| Total | $47,262 | $70,127 | +$22,866 |
Effective state & local tax rate on $100,000 — Providence, RI: 6.4% · New York, NY: 12.3% (income + local + sales + property tax where applicable ÷ income)
Assumptions: 500 gal gasoline/yr · $5000 base annual grocery · 35% of income sales-taxable. Renter: housing = median rent, renter's insurance, no property tax.
Side by side
| Metric | Providence, RI | New York, NY |
|---|---|---|
| Cost-of-living index | 101.5 | 112.6 |
| Unemployment rate | 5.82% | 6.55% |
| Population growth (5-yr) | 3.6% | -1.4% |
| Air quality (median AQI) | 42 | 52 |
| Big Mac price (est.) | $5.78 | $6.41 |
| Median home price | $524,867 | $727,625 |
| Home price ÷ income | 6.5× | 7.8× |
| 1-yr home appreciation | 3.1% | 4.1% |
| Price per square foot | $328 | $455 |
| Median rent | $2,163 | $3,503 |
| Total tax burden (state avg, Tax Foundation) | 11.4% | 15.9% |
| Combined sales tax | 7.00% | 8.52% |
| Capital gains tax | 5.99% | 10.90% |
| Property tax rate | 1.31% | 1.74% |
| Life expectancy at birth | 78.3 yrs | 80.3 yrs |
| Healthcare (annual) | $7,600 | $7,800 |
| Uninsured (share of residents) | 4.5% | 6.9% |
| Primary care providers / 100k | 81 | 84 |
| Childcare (annual, infant) | $13,000 | $17,000 |
| Vehicle property tax | None | None |
| Days per year ≥ 90°F | 9 | 12 |
| Days per year ≥ 100°F | 0 | 0 |
| Homes with air conditioning (state) | 90% | 88% |
| Avg commute (min) | 26 | 36 |
| Commute by driving alone | 74.9% | 45.5% |
| Home insurance / yr | $1,700 | $1,600 |
| Auto insurance / yr | $2,100 | $2,100 |
| FEMA risk index (0–100, higher = more risk) | 82.4 — Relatively Moderate | 96.8 — Relatively High |
| Flood insurance / yr | $900 | $800 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 28.3 | 29.4 |
| Gas $/gal | 3.35 | 3.45 |
| Natural gas / mo | $92 | $98 |
| Water & sewer / mo | $80 | $87 |
| Home internet / mo | $67 | $76 |
| Violent crime /100k (state avg) | 240 | 350 |
| Avg summer high °F | 82 | 83 |
| Avg winter low °F | 21 | 16 |
| Annual precipitation (in) | 47.5 | 49.5 |
| Annual snowfall (in) | 36.6 | 29.8 |
| Sunshine (% possible) | 56% | 58% |
| Permit difficulty (1–5) | 4 | 5 |
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