I Moved from New York to Portugal and Cut My Living Costs by 70%—Here’s How My Life Changed

1. Dramatic Rent Reduction

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One of the most immediate changes I noticed after moving to Lisbon was the astounding drop in rent. In New York, I paid a premium for a cramped apartment—barely enough room to stretch out, let alone entertain friends. In contrast, my Lisbon apartment is spacious, central, and filled with natural light. The cost? About a third of what I paid in Manhattan.
According to Numbeo, rents in Lisbon are nearly 70% lower than in New York, making comfortable urban living finally attainable.

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2. Affordable Healthcare

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Healthcare was another area where the savings were impossible to ignore. In Portugal, I have access to a robust public health system—most services are free or come with a minimal fee.
Gone are the days of juggling steep insurance premiums and unpredictable co-pays. Routine doctor visits and prescriptions now cost a fraction of what I used to pay in New York.
As highlighted by CNBC, Portugal’s healthcare is high-quality and accessible, drastically reducing my monthly expenses.

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3. Lower Grocery Bills

One of the most pleasant surprises of living in Portugal is the affordability of groceries. Fresh produce, artisan bread, and local cheeses are not only abundant but also budget-friendly.
My weekly grocery bill now totals less than half of what I once spent in New York, allowing me to enjoy a healthier and more varied diet.
According to Expatica, Portugal’s local markets and stores make quality food accessible to everyone—something I now experience every day.

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4. Eating Out Is Cheaper

Dining out in Portugal quickly became one of life’s simple pleasures. Restaurant meals are both affordable and delicious, often costing less than a fast-food combo in New York.
It’s common to find a three-course prato do dia lunch menu for under €10, including wine or coffee.
Lonely Planet notes that Lisbon’s diverse food scene makes it easy to enjoy quality cuisine without worrying about the bill.

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5. Utilities Cost Less

Another welcome change was the drop in utility bills. Monthly expenses for electricity, water, and high-speed internet are noticeably lower in Portugal than they ever were in New York.
This reduction adds up quickly, making a real impact on my budget and freeing up funds for other experiences.
As reported by Numbeo, Lisbon’s utility costs are significantly below those of most major US cities.

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6. Improved Work-Life Balance

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Perhaps the most profound shift has been in my work-life balance. Life in Portugal moves at a gentler pace—shops close earlier, and there’s an emphasis on savoring time with loved ones.
The pressure to always be “on” has faded, replaced by a culture that values leisure and community.
BBC Worklife highlights Portugal’s leadership in promoting healthy routines, a change I’ve felt in every aspect of daily living.

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7. Access to Beautiful Scenery

boats docked near seaside promenade] — Source: Photo by Nick Karvounis on Unsplash

One of the most rewarding aspects of life in Portugal is the easy access to breathtaking scenery. From golden beaches to rolling vineyards and charming historic towns, natural beauty is all around—and often free to enjoy.
Weekend escapes no longer require elaborate planning or big budgets; stunning destinations are just a short train ride away.
As National Geographic highlights, Portugal’s landscapes offer daily inspiration—a stark contrast to New York’s concrete jungle.

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8. Public Transportation Savings

yellow and white tram on road near white concrete building during daytime — Photo by Paulo Evangelista on Unsplash

Reliable public transportation is another area where Portugal shines. The metro, trams, and buses are efficient, clean, and highly affordable.
I no longer need a car—or the hefty expenses that come with it. A monthly transit pass in Lisbon costs less than a single round-trip subway ride in New York.
Lisbon.net confirms that getting around the city is both convenient and budget-friendly, making daily commutes stress-free.

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9. Lower Cost of Entertainment

Enjoying Lisbon’s vibrant cultural scene is refreshingly affordable.
Museum entries, concerts, and movie tickets are all priced with locals in mind, so it’s easy to explore the arts regularly.
I can see live music, visit new exhibitions, or catch a film for a fraction of New York prices—without having to plan far in advance.
Time Out Lisbon showcases a calendar bursting with accessible and exciting entertainment options.

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10. Simplified Bureaucracy—With Some Hurdles

Navigating bureaucracy in Portugal is often simpler than in New York, especially when it comes to setting up residency or opening a bank account.
While occasional language barriers and unfamiliar paperwork can slow things down, I’ve found that many government services are impressively digital and user-friendly.
Portugal’s official immigration portal provides clear steps and resources—something I rarely experienced back in the US. The process isn’t without challenges, but it’s manageable and often more efficient than expected.

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11. Slower Internet Speeds

One trade-off I noticed is internet speed. While access is affordable and generally reliable, speeds in Portugal often don’t match New York’s lightning-fast connections—particularly outside Lisbon or Porto.
This can make remote work and high-definition streaming a bit more challenging at times.
According to Speedtest Global Index, Portugal’s average speeds are improving but still have room to grow compared to the US.

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12. Community Connections

One of the most heartwarming aspects of living in Portugal is the sense of community. Neighborhoods are smaller and people genuinely look out for one another, making it easy to form meaningful connections.
Unlike the often-anonymous hustle of New York, I’ve found myself greeted by name at local cafés and included in neighborhood gatherings.
Expatica highlights this aspect of Portuguese culture, and it’s made my transition feel truly welcoming.

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13. Language Barrier Challenges

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Adapting to life in Portugal comes with the challenge of learning Portuguese. While many locals speak English, truly integrating into the community and handling everyday tasks is much easier with at least basic language skills.
Simple conversations at the market or with neighbors become more rewarding as my Portuguese improves.
As noted by Britannica, language is central to culture, and making the effort pays off in daily life.

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14. Safety and Security

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One of the most reassuring aspects of my move has been Portugal’s strong reputation for safety. The country consistently ranks among the safest in the world, and it’s easy to feel at ease walking home late or exploring new neighborhoods.
Compared to New York, there’s a noticeable drop in everyday worries about crime or petty theft.
Global Peace Index regularly highlights Portugal’s top-tier safety, adding to my peace of mind.

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15. Slower Pace Can Be Frustrating

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While Portugal’s laid-back vibe is refreshing, it can also test your patience—especially if you’re used to New York’s fast-paced efficiency.
Everyday tasks, from customer service to government paperwork, often unfold at a leisurely rhythm.
At times, this slower pace feels more infuriating than relaxing, particularly when you’re eager to get things done quickly.
Expatica explores this cultural contrast, which requires some adjustment for newcomers.

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16. High Quality, Affordable Wine

One delightful perk of living in Portugal is the abundance of excellent, affordable wine. Wine is deeply woven into the culture and daily life, making it easy to enjoy a glass with friends or a meal.
Bottles of high-quality local varieties often cost just a few euros—something unimaginable in New York.
As Wine Enthusiast notes, Portugal’s wine scene offers exceptional value and endless discovery.

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17. Lower Taxes for Expats

Portugal’s Non-Habitual Resident (NHR) tax regime is a game-changer for expats like me. The program offers significant tax breaks on foreign income, pensions, and self-employment, resulting in a much lower tax burden than what I faced in New York.
This financial relief has made it easier to save and invest, amplifying the overall affordability of life here.
Forbes Advisor provides a comprehensive overview of these expat-friendly incentives.

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18. Access to Travel Across Europe

One of the greatest perks of relocating to Portugal is the gateway it provides to the rest of Europe. Budget airlines and an efficient train network make spontaneous weekend getaways both affordable and easy to plan.
Traveling to Spain, France, or even further afield is a regular possibility—something that felt out of reach from New York.
Eurail highlights Portugal’s excellent connections for European exploration.

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19. Reduced Consumerism

One unexpected benefit of living in Portugal is the noticeable decline in consumerism. With fewer malls, less aggressive advertising, and a cultural emphasis on simple pleasures, I feel far less pressure to shop or chase the latest trends.
This shift has encouraged a more intentional, uncluttered lifestyle—focused on experiences rather than possessions.
The Portugal News explores how this simplicity shapes everyday living.

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20. Limited Job Market for Expats

It’s important to note that while living costs are lower, so are average salaries in Portugal. Job opportunities—especially for those who don’t speak Portuguese—can be limited, mainly concentrated in tech, tourism, and international companies.
Outside these sectors, finding well-paid work may be challenging.
Expatica provides useful insights for expats navigating the local job market, highlighting the importance of language and specialized skills.

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21. Mild, Pleasant Climate

One of the daily joys of living in Portugal is the Mediterranean climate. With more sunshine days and milder temperatures, life feels brighter and more relaxed year-round.
Gone are the harsh winters and sticky summers of New York—here, I can enjoy outdoor activities almost every month.
Climates to Travel highlights Portugal’s enviable weather, which truly enhances my overall quality of life.

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22. Slower Delivery and Shipping

One area where I’ve had to adjust my expectations is online shopping and shipping speeds. In Portugal, same-day or next-day delivery is rare, and packages often take longer to arrive compared to New York.
While local shops are reliable, international orders can be unpredictable.
Portugalist offers helpful tips for navigating the slower pace of delivery and finding the best local alternatives.

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23. Strong Expat Community

Portugal’s vibrant expat community has played a huge role in making my transition smooth and enjoyable. From language exchanges to social events, there’s always an opportunity to connect with fellow internationals who understand the challenges and joys of moving abroad.
These networks provide invaluable support, friendship, and a sense of belonging, especially in the early months.
InterNations Lisbon is just one of many resources fostering a welcoming environment for newcomers.

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24. More Affordable Fitness and Wellness

Staying active and healthy is much easier on the wallet in Portugal. Gym memberships, yoga classes, and wellness services are noticeably more affordable than in New York, making it simple to prioritize fitness without overspending.
This accessibility has helped me maintain a healthier lifestyle and discover new activities.
Living in Portugal details the country’s thriving and accessible wellness scene.

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25. Less Pollution and Noise

One of the most immediate and noticeable changes after moving to Portugal was the reduction in pollution and noise. Portuguese cities are generally quieter, with cleaner air and less constant traffic than New York.
This calmer, healthier environment has had a positive impact on my sleep, stress levels, and overall well-being.
IQAir regularly rates Portugal’s air quality as among the best in Europe, further enhancing everyday life.

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26. Holidays and Festivities

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Portugal’s calendar is filled with local festivals and public holidays that celebrate culture, tradition, and community. These lively events are accessible to everyone, often involving free concerts, street food, and parades. Unlike the commercialized holidays I was used to in New York, Portuguese festivities focus on connection and shared experiences. Visit Portugal showcases the richness of these cultural celebrations, making daily life feel more joyful and communal.

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27. Newfound Contentment and Perspective

Perhaps the greatest change has been a sense of contentment that I never expected. The slower pace and emphasis on simple pleasures have shifted my focus from constant financial stress to personal growth and gratitude. I find myself appreciating daily moments—like a stroll along the river or a shared meal—much more deeply. BBC Travel describes Portugal as a “country of contentment,” and after this move, I wholeheartedly agree.

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Conclusion

My move from New York to Portugal has been truly life-changing, bringing significant cost savings, a healthier lifestyle, and a deeper sense of happiness.
Of course, there are challenges—language hurdles, slower services, and a different job market—but the advantages far outweigh the drawbacks for me.
The experience has broadened my perspective and enriched my day-to-day life.

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Disclaimer

This article reflects my personal experience and is for informational purposes only. It does not constitute financial, legal, or medical advice.
Please consult with qualified professionals before making significant financial or life decisions. Your journey will be unique—do your research and plan thoughtfully!

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