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Cost of Living in
Chicago

Living cost is 17.6% higher than avg
Families spend upto $10,345/mo on avg
Homeowners spend $9,224/mo on avg
Renters spend $7,239/mo on avg

Cost of Living in
Chicago

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A Breakdown of the Cost of Living in Chicago, IL

U.S. Avg.

Chicago, IL

Difference Diff

Home Price

$534,127

$621,136

16%

Apartment Rent (per month)

$1,354

$3,330

146%

U.S. Avg.

Chicago, IL

Difference Diff

Phone (per month)

$219.9

$213.97

Total Energy (per month)

$194.67

$188.44

U.S. Avg.

Chicago, IL

Difference Diff

Grocery Staples

Corn Flakes (per box)

$5.88

$6.33

Frozen Corn (per bag)

$2.33

$2.4

Frozen Meal (per package)

$4.75

$4.17

12%

Cooking Oil (per bottle)

$9.48

58%

Detergent (per bottle)

$18.81

$20.98

12%

Facial Tissues (per box)

$2.54

$2.33

Sweet Peas (per can)

$1.74

$1.99

14%

Sugar (per bag)

$4.46

$5.37

20%

Bread (per loaf)

$3.66

$4.07

11%

Frying Chicken (per lb)

$1.64

$1.48

10%

Meat & Poultry

Chicken (per lb)

$1.67

$1.56

Steak (per lb)

$13.56

$17

25%

Sausage (per lb)

$4.89

$5.02

Ground Beef (per lb)

$7.9

$7.53

Snacks & Beverages

Soft Drink (per bottle)

$3.08

$3.19

Potato Chips (per bag)

$5.08

$4.34

15%

Coffee (per lb)

$5.92

$7.22

22%

Fresh Orange Juice (per half gallon)

$4.85

$5.08

Fruits & Vegetables

Peaches (per can)

$4.29

$2.88

33%

Lettuce (per head)

$1.85

$2.06

11%

Bananas (per lb)

$0.62

$0.76

23%

Potatoes (per bag)

$4.61

$5.2

13%

Dairy & Eggs

Parmesan Cheese (per lb)

$4.46

12%

Margarine (per lb)

$1.26

$1.53

21%

Eggs (per dozen)

$4.5

$4.93

10%

Whole Milk (per gallon)

$4.02

$4.88

21%

Seafood

Chunk Light Tuna (per can)

$1.06

$1.39

31%

U.S. Avg.

Chicago, IL

Difference Diff

Tire Balance (per tire)

$69.15

$67.63

Gasoline (per gallon)

$2.82

$3.2

13%

U.S. Avg.

Chicago, IL

Difference Diff

Doctor Visit (per visit)

$113.53

$194.67

71%

Dentist Visit (per visit)

$144.14

$135.44

Ibuprofen (per bottle)

$11.48

$12.22

Prescription Drug (per month)

$21.09

$24.14

14%

Optometrist Visit (per visit)

$93.18

$208.97

124%

U.S. Avg.

Chicago, IL

Difference Diff

Women’s Slacks

$34.9

$39.79

14%

Boys’ Jeans

$29.45

$34.21

16%

Men’s Shirt

$39.14

$38.9

Wine (per bottle)

$7.14

$11.39

60%

Beer (per 6-pack)

$10.78

$10.56

Veterinary Services (per visit)

$65.41

$86.99

33%

Tennis Balls (per pack)

$3.49

$4.17

19%

Yoga (per class)

$11.89

$28.87

143%

Movie (per ticket)

$11.41

$17.42

53%

Newspaper (per copy)

$18.96

$20.18

Washer Repair (per service)

$109.38

$71.87

34%

Women Slacks

$34.88

$34.91

Boy Jeans

$29.51

$27.79

Man Dress Shirt

$39.05

$34.69

11%

Dry Cleaning (per item)

$13.25

$15.1

14%

Shampoo (per bottle)

$1.56

Toothpaste (per tube)

$3.59

$4.13

15%

Beauty Salon (per visit)

$46.61

$68.42

47%

Haircut (per cut)

$26.79

$49.08

83%

Fried Chicken (per serving)

$4.36

$5.71

31%

Pizza (per pizza)

$11.88

$13.97

18%

Hamburger (per serving)

$5.25

$5.74

Welcome to the 312—where the cost of living is 17.6% higher than the national average. This makes Chicago a pricey but manageable option compared to coastal giants like San Francisco or New York. The city is backed by top employers like United Airlines, Boeing, and the University of Chicago. With its iconic skyline, lakefront access, and a thriving urban economy, high demand for Chicago’s housing and services continues to drive up prices across most categories.

Housing is 16% higher than the US average. Median Chicago home prices start at $621,136, compared to the national median of $430,000. If you're buying a new house in Chicago, plan to put down 15–20% of the home price upfront as a down payment. Monthly mortgage payments can cost 8% to 12% more than the national average.
Renting in Chicago is 145.9% higher than the national average of $1,530. The average cost of rent in Chicago is approximately $3,200 per month. The rent for a one-bedroom apartment in Chicago is $2,100 per month, while a two-bedroom apartment averages $2,800. Chicago apartment rent varies widely by neighborhood, especially near the city center.
Utilities are 3% lower than the national average. But that's before factoring in brutal winter heating bills, which can spike to $200-$300 during January and February. On the other hand, summer cooling costs stay manageable, thanks to Lake Michigan's moderating effect on temperatures. Additionally, internet service ranges from $60 to $100/month, depending on your provider and speed.
Food prices in Chicago are 3% higher than the US median. A gallon of milk costs $4.88, compared to $3.68 nationally. If you're a family of four, you’ll typically spend $1,100 to $1,400 each month on groceries. Single adults budget $350 to $500 monthly, depending on their shopping and dietary preferences.
Transportation costs are 3.7% higher than the US average. Gas prices average $3.2 per gallon, compared to $3.70 nationwide. You can get a CTA (Chicago Transit Authority) pass for $75, which is cost-effective if you live near train lines or major bus routes. Moreover, car insurance averages $195 per month, which is slightly above the US median of $183.
Healthcare costs in Chicago are 27.45% higher than the national average. A routine check-up costs $194.67, compared to $125 nationally. Dental cleanings cost around $135.44, while emergency room visits without insurance can reach $2,800. Despite these higher costs, Chicago's world-renowned medical centers like Northwestern Memorial provide excellent care, but expect premium pricing for specialized treatments.
Miscellaneous expenses are 11.46% higher than the national average. A ticket to the movies costs between $17.42, depending on the theater. Dining out for two in popular areas like the Gold Coast or Wicker Park can exceed $120. On weekends, a visit to Old Town or the Art Institute can rack up another $25 to $40 per person.

Moving to Chicago? Get ready for higher costs—big-city living in the Windy City isn’t cheap. The deep-dish might be heavy, but make sure your paycheck is even heavier! 👉 Next Step: Compare cheap homes in Chicago, Illinoise

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Is Living in Chicago, IL Expensive?

Yes, Chicago is expensive to live in. It can be challenging for most middle-class families without careful budgeting. The overall cost of living in Chicago, IL, is 17.6% higher than the national average—with rental costs being the biggest contributor, 145.9% above the US median.

With $285,000, you can get a condo in Chicago with street parking. In contrast, that same amount buys a much larger house in Indianapolis or a home with a backyard in Milwaukee. Rising food prices, healthcare costs, transportation expenses, and seasonal utility bills add to the financial strain.

Housing in Chicago

Housing in Chicago is 16% higher than the national average, with steep mortgage payments and property taxes pushing monthly costs even higher. Renters aren't spared either—rents are 145.9% higher on average, with one-bedrooms often priced above $2,100. Here's what you can expect to pay, whether you're buying or renting in Chicago:

Buying a House in Chicago

For young adults or single people, homes in Wicker Park or Pilsen are popular picks, as they offer direct CTA access and everyday conveniences like cafes, bars, and grocery stores. Homes here average around $200,000-$350,000. At that price, your mortgage payments will range from $1,400 to $2,200 per month, excluding insurance and taxes.
If you're working with a tighter budget, condos in Avondale or Bridgeport offer more affordable entry points, typically between $150,000 and $275,000.
If you're a married couple with young children (under 6), expect to pay between $350,000 and $550,000 for a three-bedroom home in North Center, Roscoe Village, or other family-friendly neighborhoods. Homes with backyards in Lincoln Square are a popular choice for families. Schools like Lincoln Elementary and Hawthorne Scholastic Academy are highly rated for their academic and extracurricular programs.
For married couples with older children (ages 6 to 17), you can find multi-family homes in Chicago for $400,000 to $750,000. Patio homes in Mount Greenwood or Edison Park offer outdoor spaces, as well as access to top schools like Brother Rice High School and Taft High School.

Renting a House in Chicago

Renting in Chicago costs 145.9% higher than the national average. While rent in the US is typically $1,530 per month, average Chicago rent is $2,100. As one of the biggest contributors to overall living expenses in Chicago, housing prices vary widely, depending on neighborhood and home size. Let's break down average rental costs across the city:

If you're a young adult or single, rent for a one-bedroom apartment in River North or West Loop is around $2,200-$2,800 per month. River North is popular for its nightlife and dining scene, while West Loop offers trendy restaurants and rapid commutes to downtown. If you want more affordable options, you can look at homes in Uptown or Rogers Park, which range from $1,400 to $1,800 monthly. These neighborhoods provide easy CTA access via Red Line stations.
If you're a married couple with young children (under 6), you can expect to pay between $2,500 and $3,500 per month for a two-bedroom house in Lincoln Park, Lakeview, or other family-friendly neighborhoods. They offer amenities like playgrounds, lakefront parks, and quality schools. Lincoln Park houses the Lincoln Park Zoo, while Lakeview offers summer concerts at Gallagher Way.
For families with older children (ages 6 to 17), renting a three-bedroom home in Andersonville or a four-bedroom in Oak Park typically costs between $3,200 and $4,500 per month. Rentals near top schools tend to be at the higher end of this range.
If you're downsizing, you could spend $1,800 to $2,400 per month renting one- or two-bedroom condos in West Loop, Streeterville, or Loop. These neighborhoods offer practical condos and easy access to shopping centers and healthcare facilities.
International students should budget about $2,800 per month for a three-bedroom apartment in Chicago. Sharing apartments in neighborhoods like Hyde Park or Pilsen can reduce rent costs by 25% to 35%.

Utilities in Chicago

Food and Groceries in Chicago

Transportation in Chicago

Healthcare in Chicago

Healthcare costs in Chicago are 27.45% above the national average, a testament to the city's world-class medical institutions. But medical bills for emergencies or specialized treatments can stack up fast. Here's a breakdown of medical costs in Chicago:

Doctor Visit — $194.67+ per visit: Routine care in Chicago averages $194.67 per visit. Common reasons for doctor visits—like cold symptoms, blood pressure checks, or prescription refills—typically fall within this range. Specialized visits, such as dermatology or cardiology follow-ups, may cost $200-$350 depending on the provider.
Dentist Visit — $135.44+ per visit: This covers routine cleanings and exams. A basic dental cleaning costs around $115, while cavity fillings cost $180–$250. Compared to other major cities in the Midwest, like Milwaukee ($95 for cleaning) or Indianapolis ($105 for cleaning), Chicago remains more expensive. Even minor procedures like X-rays or fluoride treatments tend to be 10–15% above Midwest averages.
Optometrist Visit — $208.97+ per visit: Routine eye exams in Chicago cost slightly more than the national average of $130. This includes vision checks and prescription updates. Specialized services—like contact lens fittings or glaucoma treatment—can add $75 to $200 more.
Prescription Drugs — $24.14+ per package: For chronic conditions like high blood pressure, a month's supply of Lisinopril costs $15–$25 without insurance. Treating type 2 diabetes with Metformin costs $18–$40 monthly. For short-term needs, common antibiotics like Amoxicillin cost $22–$35.
Over-the-Counter Meds — $12+ per package: Everyday essentials like ibuprofen, allergy relief, and cold medications like DayQuil average $12 to $16 per package. Whether you're fighting off winter flu, dealing with spring allergies, or nursing weekend overindulgence, a well-stocked medicine cabinet comes in handy.

Healthcare in Chicago costs more than in smaller Midwest cities, but you get access to world-renowned institutions like Northwestern Memorial, Rush University Medical Center, and University of Chicago Medicine. The city's harsh winters can increase seasonal illness expenses, but its excellent public transit reduces injury-related costs as compared to more car-dependent cities.
It’s a good idea to get health insurance, as the average cost of a doctor's visit in Chicago is around $194.67*. The monthly premium of a health insurance plan in the city typically ranges between $425* and $785*.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Chicago

What Salary Do You Need to Live in Chicago, IL?

The average salary in Chicago, IL, is 17.6% higher. But the salary to live comfortably in Chicago ranges from $65,000 to $85,000 per year, depending on your lifestyle, household size, and spending habits. Living in Chicago means embracing the culture—and the steep bills that come with it.

Liveable Salary for Homeowner—$110,688 a Year: This covers rent, groceries, utilities, and basic transportation. If your weekends include Uber rides and frequent dining out, plan for the upper end.

Liveable Salary for Renters—$86,868 per Year: Now, add childcare, larger housing, and everyday bills to the mix. Even with two incomes, families need serious budgeting to keep up.

Liveable Salary for a Family With Older Kids (6 to 17 Years)—$124,140 per Year: School supplies, extracurriculars, and rising grocery bills make this the most expensive stage of life. You'll need a solid six-figure income to guarantee stability and comfort in Chicago.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Chicago cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Chicago's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Chicago?

The cost of gas in Chicago averages around $3.2 per gallon. Prices may rise during winter months due to heating oil demand, or around high-traffic periods like Cubs games or summer festivals. Additionally, congestion on I-90 and other major routes can lead to longer drives and more frequent fill-ups.

Is Chicago a good place to live?

Yes, Chicago is a good place to live if you value four distinct seasons, world-class architecture, and cultural diversity. It also has major airports like O'Hare and Midway, plus top-ranked healthcare at Northwestern Memorial and University of Chicago Medicine. Additionally, neighborhoods like Lincoln Park and Evanston have renowned school districts.

What is the average cost of living in Chicago?

The average cost of living in Chicago, IL, is 17.6% higher than the national average. The Loop and Gold Coast are on the expensive side, while Albany Park, Pilsen, and Rogers Park are among the cheapest places to live in Chicago.

What is the average rent in Chicago?

A one-bedroom apartment in Chicago typically rents for $1,800 to $2,400 per month. Premium neighborhoods like River North and West Loop charge more rents for their amenities, like fitness centers, rooftop terraces, and concierge services. In addition, many buildings offer 24-hour security and parking garages.

How much is a 2-bedroom apartment in Chicago?

A two-bedroom apartment in Chicago costs between $2,400 and $3,200 per month. Expect higher rents for lakefront views or luxury homes in Lincoln Park, Lakeview, and other downtown neighborhoods.

What is the average price of utilities in Chicago?

Utilities in Chicago range from $150 to $250 per month. This includes electricity, natural gas, water, sewer, and trash. Heating expenses in winter can double utility bills.

How much is child care in Chicago?

If you're moving to Illinois, expect childcare costs to range between $1,200 to $1,800 per month for toddlers. However, prices vary by area. Daycare centers in Lincoln Park and Gold Coast cost more than in-home care setups in neighborhoods like Pilsen and Albany Park.