The cost of living in the USA varies from one city to another, depending on many variables. Knowing the average prices of these will be an advantage while budgeting. So, this guide is a punch-to-the-face! A real perspective on living costs for those who are willing to study in the USA during 2025~2026.
Cost of Living in the USA
Housing: The Biggest Expense!
Average Rent in the USA
The USA rental prices vary widely. Major cities like New York, San Francisco, and Los Angeles have the highest rents, while smaller or suburban areas have more affordable housing.
| Type | Monthly Average Rent (2025) |
| Studio Apartment | $1,200 |
| 1-Bedroom | $1,500 |
| 2-Bedroom | $2,000 |
| Urban Metro Areas | $2,500+ |
Other Housing Costs
- Utilities (electricity, water, gas): $150–$300/month
- Internet: $50–$100/month
- Renters insurance: $10–$25/month
Food and Groceries
Expenses on food can also impact the cost of living in the USA, depending on your eating habits.
| Item | Average Price (USD) |
| Milk (1 gallon) | $3.80 |
| Bread (loaf) | $2.50 |
| Eggs (12) | $2.30 |
| Chicken (1kg) | $9.00 |
| Restaurant Meal | $15–$25 |
Food is less expensive when homemade! Thus, international students or immigrants can reduce US food prices by buying in bulk or shopping at ethnic markets.
Transportation Costs in America
Owning a Car
- Gasoline: $3.70/gallon
- Insurance: $100–$200/month
- Maintenance: $75/month
- Car payments (if financed): $400–$600/month
Public Transportation
People rely more on public transportation in the main cities, such as NY, Chicago, etc.
- Monthly transit pass: $80–$130
- Single ride: $2.50–$3.00
- Apps like Uber or Lyft are popular alternatives.
Healthcare Expenses in the USA
Average Medical Costs
- Health insurance: $300–$500/month (individual)
- Doctor visit: $100–$200
- Prescription drugs: $10–$100
- Emergency room visit: $1,000+
Education and Tuition (If Applicable)
If you’re coming to the USA to study, education costs add a significant layer to living expenses.
| Type | Average Tuition (Annual) |
| Public College (in-state) | $10,000–$13,000 |
| Public College (out-of-state) | $25,000–$30,000 |
| Private University | $35,000–$50,000+ |
Student living costs include:
- Books: $500–$1,000/year
- Housing & Meals: $10,000–$15,000/year
- Health Insurance (international students): $1,500–$2,500/year
Personal and Lifestyle Expenses
Mobile & Internet
- Mobile plan: $40–$70/month
- Internet: $60–$90/month
Miscellaneous
- Clothing: $50–$150/month
- Entertainment: $100/month
- Gym membership: $30–$60/month
- Streaming services: $10–$20/month
Your spending will depend on your lifestyle. For instance, those living frugally may spend far less than someone living luxuriously.
City Comparison: Expensive vs. Affordable
| City | High Living Cost | Moderate | Low |
| New York City | ✅ | ||
| San Francisco | ✅ | ||
| Chicago | ✅ | ||
| Houston | ✅ | ||
| Oklahoma City | ✅ | ||
| Memphis | ✅ |
Factors like average rent in the USA and transportation access play a big role in these city rankings.
Monthly Budget Example
For a Single Person in a Mid-Range City
| Category | Monthly Estimate (USD) |
| Rent + Utilities | $1,400 |
| Food & Groceries | $400 |
| Transportation | $150 |
| Health Insurance | $400 |
| Phone & Internet | $120 |
| Personal Expenses | $200 |
| Total | $2,670 |
This budget gives you a general idea of the cost of living in the USA for an individual in a moderately priced city.
Tips to Reduce Living Costs
- Share housing with roommates.
- Use student discounts and local deals.
- Cook at home and avoid frequent eating out.
- Choose public transport over driving.
- Buy secondhand or refurbished items.
Will the Cost of Living Continue Increasing in the USA?
Indeed, inflation, housing shortages, and economic trends continue to signal the cost of living in the USA. Moreover, 2025 and 2026 will witness an increase in food, beverage, and basic needs prices.
Conclusion | Cost of Living in the USA
Living costs in the USA vary. It depends on where you stay and your lifestyle. So, consider the average rent, transportation, and healthcare where you are heading. Prior knowledge of the expectations will help you gain a little extra to live comfortably if you intend to move, study, or find a job in the USA. Be prepared!
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