Cost of Living in Chelmsford - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $1,033 (excluding rent), and $2,421 including rent.

Family of 3: Estimated monthly costs are $2,600 (excluding rent), and $5,391 including rent.

Meal at Budget Restaurant

$20.67 £15.62

$13.79 £10.41

$48.24 £36.43

Three-Course Dinner for Two, Mid-Range

$81.8 £61.8

$70.9 £53.6

$177 £134

Fast Food Meal (McDonalds, etc)

$9.45 £7.14

$8.78 £6.63

$11.47 £8.66

Cappuccino

$4.46 £3.37

$2.24 £1.69

$5.93 £4.48

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.01 £2.27

$1.5 £1.13

$4.79 £3.62

Water (0.33 liter bottle)

$1.86 £1.4

$1 £0.75

$2.66 £2.01

Local Beer (0.5 liter draught)

$7.5 £5.67

$4.78 £3.61

$9.55 £7.22

Imported Beer (0.33 liter bottle)

$6.46 £4.88

$5.44 £4.11

$8.17 £6.17

Milk (1 liter)

$1.71 £1.29

$0.85 £0.64

$2.59 £1.95

White Bread (500g)

$1.9 £1.43

$1.04 £0.79

$3.88 £2.93

Rice (white) (1kg)

$1.93 £1.45

$0.67 £0.51

$4.03 £3.04

Eggs

$3.6 £2.72

$2.7 £2.04

$7.41 £5.6

Local Cheese (1kg)

$9.82 £7.42

$7.64 £5.77

$12.21 £9.22

Chicken Fillets (1kg)

$9.51 £7.18

$5.38 £4.07

$18.86 £14.25

Beef Round Steak (1kg)

$16.24 £12.27

$10.68 £8.07

$16.68 £12.6

Apples (1kg)

$2.47 £1.87

$1.38 £1.04

$5.52 £4.17

Banana (1kg)

$1.27 £0.96

$1.08 £0.81

$2.77 £2.09

Oranges (1kg)

$3.47 £2.62

$1.33 £1

$5.37 £4.06

Tomato (1kg)

$4.84 £3.66

$1.38 £1.04

$11.18 £8.44

Potato (1kg)

$1.65 £1.25

$0.75 £0.56

$2.7 £2.04

Onion (1kg)

$1.35 £1.02

$1.14 £0.86

$2.02 £1.53

Lettuce (1 head)

$1.19 £0.9

$0.76 £0.58

$1.38 £1.05

Water (1.5 liter bottle)

$1.66 £1.26

$0.52 £0.39

$2.06 £1.56

Cigarettes 20 Pack (Marlboro, Camel)

$18.76 £14.17

$17.42 £13.15

$20.43 £15.43

Wine (Bottle)

$9.2 £6.95

$5.25 £3.97

$19.7 £14.88

Local Beer (0.5 liter bottle)

$2.75 £2.08

$1.75 £1.32

$3.49 £2.63

Imported Beer (0.33 liter bottle)

$3.61 £2.72

$2.03 £1.53

$4.06 £3.07

One-way Ticket (Public Transport)

$4.09 £3.09

$2.73 £2.06

$4.09 £3.09

Public Transport Monthly Pass (Regular Price)

$71.3 £53.9

$37.42 £28.27

$105 £79.5

Taxi Start (Normal Tariff)

$5.02 £3.79

Taxi (Normal Tariff) (1km)

$1.66 £1.26

Taxi 1hour Waiting (Normal Tariff)

$26.53 £20.04

$25.98 £19.62

$27.07 £20.44

Gasoline (1 liter)

$1.96 £1.48

$1.88 £1.42

$2.69 £2.03

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$35.8K £27K

$38.2K £28.9K

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$39.2K £29.6K

$36.4K £27.5K

$42.1K £31.8K

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$210 £158

$146 £111

$409 £309

SIM Card Monthly Plan (Calls and 10GB+ Data)

$14.94 £11.29

$13.39 £10.11

$26.76 £20.21

Internet (50+ Mbps, Unlimited Data)

$34.97 £26.41

$28.24 £21.33

$53.8 £40.63

Gym Membership (Monthly)

$52.2 £39.41

$23.02 £17.39

$67.8 £51.2

Cinema Ticket

$13.41 £10.13

$9.32 £7.04

$20.12 £15.19

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,404 £1,060

$1,369 £1,034

$1,917 £1,448

International Primary School, 1 Child (Yearly)

$12.7K £9,577

$13.8K £10.4K

Jeans (Levis 501 Or Similar)

$103 £78.1

$40.27 £30.42

$201 £152

Summer Dress (H&M, Zara, etc)

$42.98 £32.46

$27.14 £20.5

$67.9 £51.3

Sport Shoes (Adidas, Nike)

$116 £87.5

$83 £62.7

$166 £125

Men's Leather Business Shoes

$120 £90.7

$66.9 £50.5

$199 £151

1-bedroom Apartment, City Center (Monthly)

$1,428 £1,078

$1,338 £1,011

$1,472 £1,112

1-bedroom Apartment, Outside City Center (Monthly)

$1,212 £916

$1,145 £865

$1,280 £966

3-bedroom Apartment, City Center (Monthly)

$2,731 £2,063

$2,417 £1,826

$3,089 £2,333

3-bedroom Apartment, Outside City Center (Monthly)

$2,629 £1,986

$2,491 £1,881

$2,768 £2,090

Average Monthly Net Salary (After Tax)

$3,232 £2,441

20-Year Fixed Mortgage Interest Rate (Annual %)

5.73

5.2

Citycost data is based on AI and user input – minor inaccuracies may occur.

Last update: November 23, 2025

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Cost of Living in Chelmsford - Frequently Asked Questions

Cost of Living in Chelmsford tends to be more predictable than in bigger cities, while still offering a mix of affordable eats, mid-range housing, and practical services. You’ll find options from compact city-center flats to leafy family homes nearby, with parks and libraries in easy reach. Seasonal events can nudge prices, but you usually have flexible choices. Tip: Start with a short trial period to test neighborhoods and daily routines.

A practical day in Chelmsford blends manageable costs with solid options for food, transit, and work. For housing, search near the rail corridor for shorter commutes, or consider leafy suburbs with more space and similar access to town amenities; rents and utilities vary by area but remain reasonable compared with larger metro areas. You can rely on supermarkets, farmers markets, and chain cafés for affordable meals, plus a growing number of coworking spaces and libraries for focused work. Public transport is reliable, with rail links to London and local buses feeding neighborhoods. Chelmsford living cost can guide choices, from groceries to transit. Tip: Test a couple of grocery runs and transit routes to find what fits.

A practical budgeting approach helps protect your quality of life in Chelmsford. Start with a simple monthly framework – essentials first (rent, utilities, groceries), then flexible categories for dining out and activities. Track expenses for a couple of cycles to spot trends as seasons shift, since heating in winter and travel during holidays can alter your outgoings. For neighborhood fit, balance easy access to the town center with quieter blocks near parks or the river; test a few weekends in different areas to feel the vibe. Tip: Build a short, flexible plan and review it monthly.