10 Tips for Living in New York City

Living in New York City as an expat in 2025 offers a wealth of opportunities and experiences. To ensure a smooth transition and make the most of your time in the Big Apple, consider the following tips.

• 1. Understand the Cost of Living
• 2. Secure International Health Insurance
• 3. Open an Expat-Friendly Bank Account
• 4. Navigate Visa and Immigration Rules
• 5. Get Familiar with NYC's Public Transport
• 6. Embrace NYC's Cultural Diversity
• 7. Find the Right Neighborhood
• 8. Stay on Top of Taxes
• 9. Join Expat Exchange
• 10. Research International Schools

1. Understand the Cost of Living

New York City is renowned for its high cost of living, and your experience will almost certainly depend on your budget. Even if you can afford it, expats should know that money finds a way to disappear quickly in the city. Here’s how to approach NYC expenses based on three different economic groups:

• Housing: Look for shared apartments or rent in outer boroughs like Queens or Brooklyn, where prices are generally lower. Consider co-living spaces designed for budget-conscious individuals. Families will have to carefully consider their options in all 5 boroughs of the city, and possibly even consider a suburb in New Jersey, Connecticut or New York to make living in the New York City area a more comfortable experience.
• Groceries: Shop carefully to figure out where you can get what you need for less. Shop at more than one store to find the best price for each of your staples. Cook at home to save on dining costs as much as possible.
• Transportation: Purchase an unlimited monthly MetroCard, which covers subway and bus travel.

• Housing: Carefully explore neighborhoods in Brooklyn, Queens and Manhattan that offer a balance of affordability and lifestyle amenities.
• Dining: Budget for occasional dining at mid-range restaurants in neighborhoods like Greenwich Village or Williamsburg.
• Transportation: Use the OMNY contactless payment system or a metrocard for flexibility, and consider ride-sharing services for short trips when it's essential.

• Housing: Luxury living in Manhattan is widely available in neighborhoods like Tribeca, the Lower West Side, the Upper East Side and beyond. High-end apartments often include premium amenities like doormen and fitness centers. They are very expensive.
• Dining: Indulge in the broad range of unbelievable culinary experiences. From fine restaurants, to gastropubs, sushi restaurants, Asian fusion, and on and on. The variety of options is stunning and you'll never have enough time to try them all!
• Transportation: Use private car services or even consider owning a car. Parking is expensive and traffic is awful at peak times.

For additional details on cost-saving strategies or premium experiences, visit Expat Exchange's guide on the cost of living in New York City.

2. Secure International Health Insurance

Navigating the U.S. healthcare system can be complex and expensive. To ensure adequate coverage:

• Employer-Sponsored Insurance: Many employers offer health insurance, but coverage levels vary.
• International Health Insurance: Consider plans that provide global coverage, including emergency care and preventive services.
• Research Providers: Look into reputable international health insurance providers that cater to expats and the specific needs of you and your family.

For more information, visit our partners who sell Expat Health Insurance.

3. Open an Expat-Friendly Bank Account

Managing finances as an expat requires careful planning. To simplify banking:

• Evaluate Types of Banks: Investigate the types of banks services that are appropriate for the needs of expats, taking into consideration traditional expat banks, digital and new banks, credit unions and more. New York City is widely regarded as the financial capital of the United States, so your in a great place to find all of the services you need. Our article about the Best Banks for Expats in 2024 is a great place to start.
• Documentation: Be prepared to provide identification with documents such as a valid passport, an apartment rental agreement or lease, your valid visa, and potentially more.

4. Navigate Visa and Immigration Rules

Understanding and complying with U.S. visa regulations is crucial. Those who are on an expatriate assignment are likely to have help from their HR department. Others won't and should be fully informed about how Key steps include:

• Determine Visa Type: Identify the appropriate visa based on your purpose, such as work (H-1B), study (F-1), or family sponsorship.
• Application Process: Follow the specific procedures for your visa category, which may involve employer sponsorship or proof of financial means.
• Stay Informed: Regularly check official sources for updates on immigration policies.

For detailed information, visit the U.S. Department of State's visa page, and give serious consideration to an immigration lawyer if you need guidance.

5. Get Familiar with NYC's Public Transport

New York City's public transportation system is extensive and efficient. To navigate it effectively:

• Subway and Buses: Purchase a MetroCard or use the OMNY contactless payment system for access to subways and buses.
• Navigation Apps: Utilize apps like Google Maps or Citymapper for real-time updates and route planning.
• Alternative Transport: Consider biking or ride-sharing services for flexibility. Citi Bike is widely available in the city.

6. New York City is a Culture of Different Cultures - Embrace it!

As one of the largest and most famous "international cities" in the world, New York City's rich cultural tapestry offers endless opportunities to enjoy cultures from all over the globe. To immerse yourself:

• Culinary Exploration: Dine at all varieties of restaurants to experience cuisines from every continent.
• Cultural Events: Attend street festivals, art exhibitions, and performances representing various cultures.
• Community Engagement: Participate in local events and volunteer opportunities to connect with different communities.

7. Find the Right Neighborhood

Choosing a neighborhood that aligns with your lifestyle is essential. Consider:

• Lifestyle Preferences: Research areas known for their unique characteristics, such as the family-friendly Upper West Side or the trendy Williamsburg in Brooklyn.
• Proximity to Work: Living closer to your workplace can reduce commute times and improve quality of life.
• Amenities: Look for neighborhoods that offer the amenities you value, such as parks, restaurants, and cultural venues.

Our article about the 10 Best Places to Live in New York City is a great place to start your research.

8. Stay on Top of Taxes

Taxation can be complex for expats. To ensure compliance:

• Understand Obligations: Be aware of both U.S. federal and state tax requirements, as well as any obligations to your home country.
• Seek Professional Advice: Consult with tax professionals experienced in expat taxation to navigate dual tax obligations.
• File Timely: Ensure all tax filings are completed accurately and on time to avoid penalties.

Our Expat Tax & Finance partners are a great resource in making sure you able to limit your tax exposure within the scope of U.S. tax law and that of your home country.

9. Join Expat Exchange

Building a social network is vital for a fulfilling expat experience. Expat Exchange offers forums, a resource guide with international relocation service providers, articles, and much more tailored for expats in New York City and all throughout the world.

Engaging with these communities can provide support and enhance your social life. Visit Expat Exchange and Join Today for free!

10. Research International Schools Early

Expats generally consider the educational opportunities for their children in a new city to be one of the most important aspects of their international relocation. As one would expect, New York City has an incredible selection of options to evaluate when it comes to international schools. Our article about the international schools in New York City is a great place to start.

Those are just a few tips on how to settle into New York City and make the most of your expatriate adventure in the Big Apple and, more broadly, the United States.