Living without a car in NYC definitely helps with affordability! I saved several thousand a year on that. But you should also account for the following costs:

Living without a car in NYC definitely helps with affordability! I saved several thousand a year on that. But you should also account for the following costs: - subway fare ($120/mo, possibly pre-tax on a commuter card) - rideshares or rental vans for occasional large item pickups - rental cars or unreasonably expensive Amtrak fares when you want to leave the city or visit family (the rest of the USA requires a car, ofc) After those costs, you're saving more like $1-5k/year. You can avoid them if you walk more than average or never get out of the city, but in my experience there's a bit of a mental health toll if you spend many many months in NYC and never get out of the city, especially if you have friends and family outside of the city.