Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Beloit, WI

For one person, living is cheaper in Beloit, WI: $2,424 a month against $3,139 in Chicago, IL, rent and utilities included – about $8,600 less a year. Rent and utilities account for most of the difference.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
121

Cost of Living Index in Beloit, WI
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Beloit, WI Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Beloit, WI

🇺🇸 United States

$2,424

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Beloit, WI

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chicago, IL and in Beloit, WI actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,424 in Beloit, WI, rent included.

Chicago, IL $3,139
Beloit, WI $2,424

A couple spends around $4,627 per month in Chicago, IL vs $3,653 in Beloit, WI, rent included.

Chicago, IL $4,627
Beloit, WI $3,653

A family of three spends $6,115 per month in Chicago, IL vs $4,883 in Beloit, WI, rent included.

Chicago, IL $6,115
Beloit, WI $4,883

Chicago, IL costs about 29% more than Beloit, WI, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Beloit, WI sit above the global median – Chicago, IL by 132%, Beloit, WI by 79%.

Meal at Budget Restaurant

$20.65 $20.65

$20.46 $20.46

0.93%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$75.9 $75.9

18.82%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$9.25 $9.25

39.89%

Cappuccino

$5.60 $5.60

$3.56 $3.56

57.30%

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

$2.64 $2.64

$1.77 $1.77

49.15%

Water (0.33 liter bottle)

$2.27 $2.27

$1.83 $1.83

24.04%

Local Beer (0.5 liter draught)

$6.98 $6.98

$4.48 $4.48

55.80%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$7.45 $7.45

18.52%

Milk (1 liter)

$1.27 $1.27

$0.83 $0.83

53.01%

White Bread (500g)

$3.80 $3.80

$2.81 $2.81

35.23%

Rice (white) (1kg)

$5.30 $5.30

$3.38 $3.38

56.80%

Eggs

$4.76 $4.76

$4.86 $4.86

-2.06%

Local Cheese (1kg)

$13.96 $13.96

$6.45 $6.45

116.43%

Chicken Fillets (1kg)

$14.61 $14.61

$14.35 $14.35

1.81%

Beef Round Steak (1kg)

$18.77 $18.77

$11.76 $11.76

59.61%

Apples (1kg)

$5.19 $5.19

$5.20 $5.20

-0.19%

Banana (1kg)

$1.98 $1.98

$0.99 $0.99

100.00%

Oranges (1kg)

$3.93 $3.93

$4.04 $4.04

-2.72%

Tomato (1kg)

$4.96 $4.96

$4.49 $4.49

10.47%

Potato (1kg)

$2.76 $2.76

$2.80 $2.80

-1.43%

Onion (1kg)

$2.76 $2.76

$2.65 $2.65

4.15%

Lettuce (1 head)

$2.22 $2.22

$1.92 $1.92

15.63%

Water (1.5 liter bottle)

$2.98 $2.98

$1.59 $1.59

87.42%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$8.78 $8.78

59.68%

Wine (Bottle)

$15.28 $15.28

$14.90 $14.90

2.55%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$2.64 $2.64

-2.27%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$3.51 $3.51

-0.28%

One-way Ticket (Public Transport)

$2.47 $2.47

$1.82 $1.82

35.71%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$3.34 $3.34

$3.33 $3.33

0.30%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.36 $1.36

5.15%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$24.33 $24.33

-0.04%

Gasoline (1 liter)

$1.26 $1.26

$1.06 $1.06

18.87%

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

$35.0K $35.0K

$35.6K $35.6K

-1.73%

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

$26.1K $26.1K

$25.9K $25.9K

0.81%

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

$193 $193

$190 $190

1.60%

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

$68.3 $68.3

$64.8 $64.8

5.31%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$60.0 $60.0

2.23%

Gym Membership (Monthly)

$54.1 $54.1

$40.85 $40.85

32.48%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$12.07 $12.07

46.98%

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

$1,652 $1,652

$1,690 $1,690

-2.26%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$31.5K $31.5K

-1.55%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$67.2 $67.2

-1.70%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$52.2 $52.2

-1.80%

Sport Shoes (Adidas, Nike)

$100 $100

-0.28%

Men's Leather Business Shoes

$141 $141

-0.02%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,488 $1,488

64.38%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$1,222 $1,222

37.28%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,619 $2,619

80.13%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$2,193 $2,193

27.47%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,798 $2,798

46.70%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$2,220 $2,220

19.33%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$2,401 $2,401

102.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

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

Last update for Chicago, IL: October 19, 2026

Last update for Beloit, WI: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Beloit, WI

$1.2K 50.4% 27.2% $456

Groceries & Markets

Chicago, IL

$449 14.3%

Beloit, WI

$357 14.7% 20.6% $93

Eating Out

Chicago, IL

$343 10.9%

Beloit, WI

$286 11.8% 16.8% $58

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Beloit, WI

$314 13% 2.4% $7.8

Clothing & Footwear

Chicago, IL

$161 5.1%

Beloit, WI

$162 6.7% 0.7% $1.1

Getting Around

Chicago, IL

$95 3%

Beloit, WI

$17 * 0.7% 81.7% $78

Sport & Entertainment

Chicago, IL

$90 2.9%

Beloit, WI

$65 2.7% 27.5% $25

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $2,446 in Chicago, IL versus $1,488 in Beloit, WI. 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 103% 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 $90.0 in Chicago, IL versus $76.0 in Beloit, WI. Monthly groceries follow the same trend: $449 vs $357 – making Beloit, WI the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Beloit, WI

🕒 Local time

21:33 9:33 PM

Same time as Chicago, IL

🌤 Weather

👥 Population

2,746,388

36,348

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Chicago, IL Beloit, WI 140 km

From you

Chicago, IL
Beloit, WI

Distances are measured in a straight line. Your location is detected approximately.

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 Beloit, WI: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,424 in Beloit, WI – roughly 29% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $3,636 in Beloit, WI. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $90.0 in Chicago, IL and $76.0 in Beloit, WI. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 26% more in Chicago, IL, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$3,000 is a stretch for both – monthly costs hit $3,139 in Chicago, IL and $2,424 in Beloit, WI. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Chicago, IL has an edge in some lifestyle areas, with costs from $2,424 in Beloit, WI to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

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 Beloit, WI. 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.