Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Champaign, IL

For one person, living is cheaper in Champaign, IL: $2,161 a month against $3,185 in Chicago, IL, rent and utilities included – about $12,300 less a year. Rent and utilities account for most of the difference.

153

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
104

Cost of Living Index in Champaign, IL
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Champaign, IL Living Index

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Chicago, IL

🇺🇸 United States

$3,185

/mo nomad

Champaign, IL

🇺🇸 United States

$2,161

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Champaign, IL

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 Champaign, IL actually costs, broken down by who's living it.

A single person spends $3,185 per month in Chicago, IL vs $2,161 in Champaign, IL, rent included.

Chicago, IL $3,185
Champaign, IL $2,161

A couple spends around $4,631 per month in Chicago, IL vs $3,133 in Champaign, IL, rent included.

Chicago, IL $4,631
Champaign, IL $3,133

A family of three spends $6,077 per month in Chicago, IL vs $4,106 in Champaign, IL, rent included.

Chicago, IL $6,077
Champaign, IL $4,106

Chicago, IL costs about 47% more than Champaign, IL, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Champaign, IL sit above the global median – Chicago, IL by 136%, Champaign, IL by 60%.

Meal at Budget Restaurant

$21.58 $21.58

$15.25 $15.25

41.51%

Three-Course Dinner for Two, Mid-Range

$88.7 $88.7

$60.8 $60.8

45.94%

Fast Food Meal (McDonalds, etc)

$13.20 $13.20

$10.11 $10.11

30.56%

Cappuccino

$5.59 $5.59

$4.83 $4.83

15.73%

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

$2.63 $2.63

$2.15 $2.15

22.33%

Water (0.33 liter bottle)

$2.26 $2.26

$1.73 $1.73

30.64%

Local Beer (0.5 liter draught)

$7.11 $7.11

$5.57 $5.57

27.65%

Imported Beer (0.33 liter bottle)

$9.23 $9.23

$5.35 $5.35

72.52%

Milk (1 liter)

$1.28 $1.28

$0.85 $0.85

50.59%

White Bread (500g)

$3.84 $3.84

$3.14 $3.14

22.29%

Rice (white) (1kg)

$5.07 $5.07

$3.13 $3.13

61.98%

Eggs

$4.84 $4.84

$3.88 $3.88

24.74%

Local Cheese (1kg)

$14.17 $14.17

$12.19 $12.19

16.24%

Chicken Fillets (1kg)

$14.61 $14.61

$5.96 $5.96

145.13%

Beef Round Steak (1kg)

$18.76 $18.76

$12.81 $12.81

46.45%

Apples (1kg)

$5.19 $5.19

$3.45 $3.45

50.43%

Banana (1kg)

$2.00 $2.00

$1.38 $1.38

44.93%

Oranges (1kg)

$4.00 $4.00

$3.10 $3.10

29.03%

Tomato (1kg)

$4.98 $4.98

$4.56 $4.56

9.21%

Potato (1kg)

$2.79 $2.79

$2.02 $2.02

38.12%

Onion (1kg)

$2.65 $2.65

$2.23 $2.23

18.83%

Lettuce (1 head)

$2.13 $2.13

$2.21 $2.21

-3.62%

Water (1.5 liter bottle)

$3.09 $3.09

$1.25 $1.25

147.20%

Cigarettes 20 Pack (Marlboro, Camel)

$16.05 $16.05

$10.25 $10.25

56.59%

Wine (Bottle)

$15.20 $15.20

$14.71 $14.71

3.33%

Local Beer (0.5 liter bottle)

$2.62 $2.62

$2.15 $2.15

21.86%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$4.08 $4.08

-15.20%

One-way Ticket (Public Transport)

$2.47 $2.47

$0.97 $0.97

154.64%

Public Transport Monthly Pass (Regular Price)

$75.1 $75.1

$20.38 $20.38

268.50%

Taxi Start (Normal Tariff)

$3.21 $3.21

$2.52 $2.52

27.38%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$1.59 $1.59

-12.58%

Taxi 1hour Waiting (Normal Tariff)

$25.02 $25.02

Gasoline (1 liter)

$1.24 $1.24

$1.16 $1.16

6.90%

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

$37.2K $37.2K

$35.1K $35.1K

5.86%

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

$25.8K $25.8K

$32.3K $32.3K

-19.93%

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

$192 $192

$240 $240

-19.86%

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

$67.8 $67.8

$45.66 $45.66

48.53%

Internet (50+ Mbps, Unlimited Data)

$60.9 $60.9

$67.6 $67.6

-9.93%

Gym Membership (Monthly)

$53.6 $53.6

$25.34 $25.34

111.40%

Tennis Court (1 Hour on Weekend)

$27.90 $27.90

$11.85 $11.85

135.44%

Cinema Ticket

$17.80 $17.80

$11.09 $11.09

60.50%

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

$1,554 $1,554

$993 $993

56.48%

International Primary School, 1 Child (Yearly)

$31.4K $31.4K

$19.9K $19.9K

57.38%

Jeans (Levis 501 Or Similar)

$67.9 $67.9

$48.98 $48.98

38.59%

Summer Dress (H&M, Zara, etc)

$50.8 $50.8

Sport Shoes (Adidas, Nike)

$101 $101

$116 $116

-12.48%

Men's Leather Business Shoes

$143 $143

$122 $122

17.43%

1-bedroom Apartment, City Center (Monthly)

$2,383 $2,383

$1,453 $1,453

63.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,712 $1,712

$1,016 $1,016

68.52%

3-bedroom Apartment, City Center (Monthly)

$4,674 $4,674

$1,941 $1,941

140.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,738 $2,738

$1,691 $1,691

61.94%

Buy Apartment in City Center (m2)

$4,158 $4,158

$1,688 $1,688

146.36%

Buy Apartment Outside City Center (m2)

$2,691 $2,691

$1,709 $1,709

57.45%

Average Monthly Net Salary (After Tax)

$4,894 $4,894

$3,674 $3,674

33.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.77

6.82

-0.73%

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

Last update for Chicago, IL: October 12, 2026

Last update for Champaign, IL: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.8%

Champaign, IL

$1K 47% 40.7% $696

Groceries & Markets

Chicago, IL

$451 14.2%

Champaign, IL

$316 14.6% 29.9% $135

Eating Out

Chicago, IL

$353 11.1%

Champaign, IL

$264 12.2% 25.1% $89

Monthly Utilities & Internet

Chicago, IL

$321 10.1%

Champaign, IL

$353 16.3% 10% $32

Clothing & Footwear

Chicago, IL

$164 5.1%

Champaign, IL

$129 * 6% 21% $34

Getting Around

Chicago, IL

$95 3%

Champaign, IL

$35 1.6% 63.5% $60

Sport & Entertainment

Chicago, IL

$89 2.8%

Champaign, IL

$48 2.2% 46.7% $42

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

Cost Breakdown

A central one-bedroom costs $2,383 in Chicago, IL versus $1,453 in Champaign, 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 33% 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 $89.0 in Chicago, IL versus $61.0 in Champaign, IL. Monthly groceries follow the same trend: $451 vs $316 – making Champaign, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Champaign, IL

🕒 Local time

19:32 7:32 PM

Same time as Chicago, IL

🌤 Weather

👥 Population

2,746,388

88,302

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Chicago, IL Champaign, IL 200 km

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Chicago, IL
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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 Champaign, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,185 in Chicago, IL, $2,161 in Champaign, IL – roughly 47% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,777 per month in Chicago, IL and $3,241 in Champaign, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 43% 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.

A mid-range dinner for two costs $89.0 in Chicago, IL and $61.0 in Champaign, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $3,000 monthly budget goes further in Champaign, IL, where all-in costs run around $2,161, than in Chicago, IL at $3,185. In Champaign, IL it covers expenses comfortably, while in Chicago, IL it requires careful planning or may not stretch far enough.

It depends on your priorities. Chicago, IL has an edge in some lifestyle areas, with costs from $2,161 in Champaign, IL to $3,185 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Champaign, IL. 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.