Cost of Living Comparison Between Chattanooga, TN and Chicago, IL Cost of Living Comparison Between Chattanooga, TN and Chicago, IL

Monthly Cost of Living

A single person spends $2,555 per month in Chattanooga, TN vs $3,068 in Chicago, IL, rent included.

A couple spends around $3,769 per month in Chattanooga, TN vs $4,648 in Chicago, IL, rent included.

A family of three spends $4,983 per month in Chattanooga, TN vs $6,229 in Chicago, IL, rent included.

Chattanooga, TN is about 17% cheaper than Chicago, IL, driven mainly by Eating Out.

Both Chattanooga, TN and Chicago, IL sit above the global median – Chattanooga, TN by 91%, Chicago, IL by 130%.

Meal at Budget Restaurant

$16.48 $16.48

$20.17 $20.17

-18.29%

Three-Course Dinner for Two, Mid-Range

$81.5 $81.5

$99.5 $99.5

-18.05%

Fast Food Meal (McDonalds, etc)

$11.12 $11.12

$12.23 $12.23

-9.08%

Cappuccino

$4.82 $4.82

$5.60 $5.60

-13.93%

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

$2.49 $2.49

$3.12 $3.12

-20.19%

Water (0.33 liter bottle)

$2.15 $2.15

$2.43 $2.43

-11.52%

Local Beer (0.5 liter draught)

$5.84 $5.84

$6.93 $6.93

-15.73%

Imported Beer (0.33 liter bottle)

$7.63 $7.63

$8.20 $8.20

-6.95%

Milk (1 liter)

$1.03 $1.03

$1.08 $1.08

-4.63%

White Bread (500g)

$3.62 $3.62

$3.97 $3.97

-8.82%

Rice (white) (1kg)

$4.87 $4.87

$5.58 $5.58

-12.72%

Eggs

$4.16 $4.16

$4.47 $4.47

-6.94%

Local Cheese (1kg)

$13.71 $13.71

$14.50 $14.50

-5.45%

Chicken Fillets (1kg)

$13.95 $13.95

$15.08 $15.08

-7.49%

Beef Round Steak (1kg)

$12.52 $12.52

$19.34 $19.34

-35.26%

Apples (1kg)

$6.52 $6.52

$5.37 $5.37

21.42%

Banana (1kg)

$1.52 $1.52

$1.76 $1.76

-13.64%

Oranges (1kg)

$4.41 $4.41

$4.32 $4.32

2.08%

Tomato (1kg)

$3.67 $3.67

$4.41 $4.41

-16.78%

Potato (1kg)

$3.32 $3.32

$2.54 $2.54

30.71%

Onion (1kg)

$3.33 $3.33

$2.70 $2.70

23.33%

Lettuce (1 head)

$2.36 $2.36

$2.49 $2.49

-5.22%

Water (1.5 liter bottle)

$2.99 $2.99

$2.60 $2.60

15.00%

Cigarettes 20 Pack (Marlboro, Camel)

$7.40 $7.40

$14.80 $14.80

-50.00%

Wine (Bottle)

$17.94 $17.94

$15.18 $15.18

18.18%

Local Beer (0.5 liter bottle)

$1.99 $1.99

$2.47 $2.47

-19.43%

Imported Beer (0.33 liter bottle)

$3.54 $3.54

$3.60 $3.60

-1.67%

One-way Ticket (Public Transport)

$3.91 $3.91

$2.54 $2.54

53.94%

Public Transport Monthly Pass (Regular Price)

$49.12 $49.12

$76.3 $76.3

-35.60%

Taxi Start (Normal Tariff)

$1.79 $1.79

$3.30 $3.30

-45.76%

Taxi (Normal Tariff) (1km)

$1.51 $1.51

$1.38 $1.38

9.42%

Taxi 1hour Waiting (Normal Tariff)

$24.39 $24.39

$25.36 $25.36

-3.82%

Gasoline (1 liter)

$0.73 $0.73

$1.09 $1.09

-33.03%

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

$24.8K $24.8K

$31.6K $31.6K

-21.52%

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

$26.0K $26.0K

$26.6K $26.6K

-2.11%

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

$142 $142

$186 $186

-23.63%

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

$56.5 $56.5

$62.9 $62.9

-10.09%

Internet (50+ Mbps, Unlimited Data)

$71.5 $71.5

$66.2 $66.2

8.01%

Gym Membership (Monthly)

$39.95 $39.95

$77.6 $77.6

-48.53%

Tennis Court (1 Hour on Weekend)

$13.16 $13.16

Cinema Ticket

$12.73 $12.73

$14.74 $14.74

-13.64%

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

$1,030 $1,030

$2,039 $2,039

-49.50%

International Primary School, 1 Child (Yearly)

$25.0K $25.0K

$39.9K $39.9K

-37.36%

Jeans (Levis 501 Or Similar)

$42.03 $42.03

$63.9 $63.9

-34.17%

Summer Dress (H&M, Zara, etc)

$31.39 $31.39

$51.2 $51.2

-38.66%

Sport Shoes (Adidas, Nike)

$98.9 $98.9

$95.2 $95.2

3.88%

Men's Leather Business Shoes

$112 $112

$144 $144

-22.42%

1-bedroom Apartment, City Center (Monthly)

$1,521 $1,521

$2,305 $2,305

-34.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,250 $1,250

$1,575 $1,575

-20.66%

3-bedroom Apartment, City Center (Monthly)

$3,645 $3,645

$4,688 $4,688

-22.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,097 $2,097

$2,737 $2,737

-23.40%

Buy Apartment in City Center (m2)

$2,286 $2,286

$4,063 $4,063

-43.75%

Buy Apartment Outside City Center (m2)

$2,272 $2,272

$2,696 $2,696

-15.72%

Average Monthly Net Salary (After Tax)

$3,980 $3,980

$5,019 $5,019

-20.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

6.6

-2.27%

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

Last update for Chattanooga, TN: July 13, 2026

Last update for Chicago, IL: July 11, 2026

Cost Breakdown

A central one-bedroom costs $1,521 in Chattanooga, TN versus $2,305 in Chicago, IL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 26% higher in Chicago, IL, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $82.0 in Chattanooga, TN versus $99.0 in Chicago, IL. Monthly groceries follow the same trend: $424 vs $448 – making Chattanooga, TN the more affordable choice for daily food spending.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Chattanooga, TN vs Chicago, IL: Cost of Living - Frequently Asked Questions

Chicago, IL costs about 20% more than Chattanooga, TN, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,833 per month in Chattanooga, TN and $4,602 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Chattanooga, TN, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,555 in Chattanooga, TN and $3,068 in Chicago, IL. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 55% less in Chattanooga, TN. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Chattanooga, TN, where all-in costs run around $2,555, than in Chicago, IL at $3,068. In Chattanooga, TN it covers expenses comfortably, while in Chicago, IL it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chattanooga, TN costs $2,555 versus $3,068 in Chicago, IL. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Chattanooga, TN. If higher salaries, better infrastructure, or specific career opportunities are the priority, Chicago, IL makes more sense. Both are solid long-term options with distinct trade-offs.