Phnom Penh vs Albany for Singles (2026)
Scroll down for rent burden, savings estimate, and FAQ.
Single-person cost breakdown
| Metric | Phnom Penh Phnom Penh | Albany New York |
|---|---|---|
| Studio rent / month | $260Better | $1,100 |
| 1BR rent / month | $350Better | $1,400 |
| Est. single-person income | — | $36K |
| Est. monthly take-home | — | $2,793 |
| Studio rent burden | — | 39% |
| Groceries index (US = 100) | — | 100 |
| State income tax | NoneBetter | 6.9% |
| Walk score | 52 / 100 | 55 / 100Better |
| Overall COL index (100 = US avg) | 30Better | 92 |
Your biggest money opportunities based on this comparison.
Tax savings
Phnom Penh saves ~$345/mo on a $60K income
Every dollar counts on a single income. Put tax savings toward a cash-back card that pays you back.
Renters insurance
Phnom Penh saves ~$840/mo on rent
Solo renters often skip insurance — but your electronics, furniture, and belongings add up fast.
Monthly savings
Albany: ~$1,125/mo left after rent & living
Start investing that surplus early — even small amounts compound significantly over a career.
While you're comparing — don't leave money on the table.
Mortgages
See what you can afford in Albany
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Albany homeowners + auto quotes before your move date.
Moving Rewards Card
Turn closing costs & moving expenses into cash back
Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is more affordable for a single person — Phnom Penh or Albany?
For a single person, Phnom Penh comes out ahead on overall affordability. Studio rents are $260 in Phnom Penh vs $1,100 in Albany. Phnom Penh is ~67% cheaper overall, which matters significantly on a single income.
What is the rent burden for a single person in Phnom Penh vs Albany?
Studio rent or income data is not available for Phnom Penh.
How much can a single person save each month in Phnom Penh vs Albany?
After rent and basic living expenses (groceries, utilities, transport), a single earner can save approximately —/month in Phnom Penh vs $1,125/month in Albany. These estimates are based on a single-person income of ~60% of median household income and studio rent costs.
Is it worth living alone in Phnom Penh vs getting a roommate in Albany?
Splitting a 1BR in Albany ($1,400/person) vs a solo studio in Phnom Penh ($260): living solo in Phnom Penh ($260) is actually cheaper than splitting a 1BR in Albany ($700/person). Factor in the privacy premium and your living preferences when deciding.
Which city is better for a single person's social life?
Walkability is a proxy for urban density and access to dining, entertainment, and social spaces without a car. Albany scores higher (55/100) — somewhat walkable. For singles, a walkable neighborhood can significantly reduce the cost and friction of having an active social life.
Single-person income estimated at 60% of median household income. Take-home calculated using state income tax rate only. Savings estimate subtracts rent and estimated basic living costs. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026