Cost of Living Comparison Between Chicago, IL and Barnegat, NJ Cost of Living Comparison Between Chicago, IL and Barnegat, NJ

Monthly Cost of Living

Monthly costs for one person with rent: $3,084 in Chicago, IL versus $2,846 in Barnegat, NJ.

Estimated couple costs with rent: $4,637 in Chicago, IL versus $4,367 in Barnegat, NJ.

Monthly costs for a family of three with rent: $6,191 in Chicago, IL versus $5,888 in Barnegat, NJ.

Living in Chicago, IL is roughly 8% more expensive than in Barnegat, NJ, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Chicago, IL 131% above, Barnegat, NJ 113% above.

Meal at Budget Restaurant

$20.81 $20.81

$20.39 $20.39

2.06%

Three-Course Dinner for Two, Mid-Range

$98.6 $98.6

$146 $146

-32.59%

Fast Food Meal (McDonalds, etc)

$11.90 $11.90

$12.60 $12.60

-5.56%

Cappuccino

$5.84 $5.84

$5.82 $5.82

0.34%

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

$3.07 $3.07

$3.29 $3.29

-6.69%

Water (0.33 liter bottle)

$2.35 $2.35

$2.66 $2.66

-11.65%

Local Beer (0.5 liter draught)

$6.87 $6.87

$8.11 $8.11

-15.29%

Imported Beer (0.33 liter bottle)

$8.07 $8.07

$12.22 $12.22

-33.96%

Milk (1 liter)

$1.05 $1.05

$1.08 $1.08

-2.78%

White Bread (500g)

$3.98 $3.98

$5.10 $5.10

-21.96%

Rice (white) (1kg)

$5.60 $5.60

$8.29 $8.29

-32.45%

Eggs

$4.55 $4.55

$7.17 $7.17

-36.54%

Local Cheese (1kg)

$14.20 $14.20

$17.34 $17.34

-18.11%

Chicken Fillets (1kg)

$14.90 $14.90

$16.70 $16.70

-10.78%

Beef Round Steak (1kg)

$19.08 $19.08

$20.20 $20.20

-5.54%

Apples (1kg)

$5.31 $5.31

$7.70 $7.70

-31.04%

Banana (1kg)

$1.71 $1.71

$2.56 $2.56

-33.20%

Oranges (1kg)

$4.24 $4.24

$5.68 $5.68

-25.35%

Tomato (1kg)

$4.37 $4.37

$4.11 $4.11

6.33%

Potato (1kg)

$2.56 $2.56

$3.73 $3.73

-31.37%

Onion (1kg)

$2.80 $2.80

$3.91 $3.91

-28.39%

Lettuce (1 head)

$2.47 $2.47

$3.19 $3.19

-22.57%

Water (1.5 liter bottle)

$2.70 $2.70

$2.58 $2.58

4.65%

Cigarettes 20 Pack (Marlboro, Camel)

$14.95 $14.95

$18.76 $18.76

-20.31%

Wine (Bottle)

$14.73 $14.73

$15.17 $15.17

-2.90%

Local Beer (0.5 liter bottle)

$2.37 $2.37

$2.90 $2.90

-18.28%

Imported Beer (0.33 liter bottle)

$3.57 $3.57

$3.82 $3.82

-6.54%

One-way Ticket (Public Transport)

$2.44 $2.44

$1.97 $1.97

23.86%

Public Transport Monthly Pass (Regular Price)

$75.2 $75.2

Taxi Start (Normal Tariff)

$3.35 $3.35

$3.03 $3.03

10.56%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$1.33 $1.33

3.01%

Taxi 1hour Waiting (Normal Tariff)

$25.29 $25.29

$24.25 $24.25

4.29%

Gasoline (1 liter)

$1.09 $1.09

$0.72 $0.72

51.39%

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

$32.3K $32.3K

$35.2K $35.2K

-8.28%

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

$26.4K $26.4K

$27.8K $27.8K

-4.83%

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

$188 $188

$180 $180

4.41%

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

$63.3 $63.3

$60.3 $60.3

4.98%

Internet (50+ Mbps, Unlimited Data)

$66.2 $66.2

$62.6 $62.6

5.70%

Gym Membership (Monthly)

$75.6 $75.6

$43.40 $43.40

74.10%

Tennis Court (1 Hour on Weekend)

$13.20 $13.20

Cinema Ticket

$14.80 $14.80

$19.75 $19.75

-25.06%

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

$2,097 $2,097

$3,128 $3,128

-32.97%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$23.0K $23.0K

67.27%

Jeans (Levis 501 Or Similar)

$64.9 $64.9

$66.8 $66.8

-2.89%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$47.42 $47.42

8.79%

Sport Shoes (Adidas, Nike)

$96.3 $96.3

$115 $115

-16.17%

Men's Leather Business Shoes

$146 $146

$171 $171

-14.62%

1-bedroom Apartment, City Center (Monthly)

$2,332 $2,332

$1,595 $1,595

46.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,579 $1,579

$1,347 $1,347

17.20%

3-bedroom Apartment, City Center (Monthly)

$4,775 $4,775

$2,664 $2,664

79.20%

3-bedroom Apartment, Outside City Center (Monthly)

$2,725 $2,725

$2,253 $2,253

20.98%

Buy Apartment in City Center (m2)

$4,023 $4,023

$2,857 $2,857

40.84%

Buy Apartment Outside City Center (m2)

$2,684 $2,684

$2,454 $2,454

9.35%

Average Monthly Net Salary (After Tax)

$4,981 $4,981

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.44

2.48%

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

Last update for Chicago, IL: July 20, 2026

Last update for Barnegat, NJ: July 22, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,332 in Chicago, IL and $1,595 in Barnegat, NJ. Housing cost is often the main lever when comparing two cities.

Dining out: $99.0 in Chicago, IL vs $146 in Barnegat, NJ for a mid-range dinner for two. Groceries echo the gap at $445 vs $532 per month, with Chicago, IL cheaper across the board.

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

Chicago, IL vs Barnegat, NJ: Cost of Living - Frequently Asked Questions

Chicago, IL and Barnegat, NJ differ by about 8% in total monthly costs ($3,084 vs $2,846 including rent). Barnegat, NJ is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $4,626 in Chicago, IL and $4,269 in Barnegat, NJ to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $2,332 in Chicago, IL versus $1,595 in Barnegat, NJ. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,097 in Chicago, IL versus $3,128 in Barnegat, NJ. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Barnegat, NJ – a meal for two runs $146 versus $99.0 in Chicago, IL. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $3,000. Barnegat, NJ is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Barnegat, NJ gentler on the wallet – expenses run 8% less than in Chicago, IL. Beyond cost, consider language, visa policies, and how big the international community is in each city.