Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Columbia, MO

For one person, living is cheaper in Columbia, MO: $2,049 a month against $3,139 in Chicago, IL, rent and utilities included – about $13,100 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
100

Cost of Living Index in Columbia, MO
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Columbia, MO Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Columbia, MO

🇺🇸 United States

$2,049

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Columbia, MO

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 Columbia, MO actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,049 in Columbia, MO, rent included.

Chicago, IL $3,139
Columbia, MO $2,049

A couple spends around $4,627 per month in Chicago, IL vs $2,865 in Columbia, MO, rent included.

Chicago, IL $4,627
Columbia, MO $2,865

A family of three spends $6,115 per month in Chicago, IL vs $3,682 in Columbia, MO, rent included.

Chicago, IL $6,115
Columbia, MO $3,682

Chicago, IL costs about 53% more than Columbia, MO, and outside of rent the biggest gap is in transport.

Both Chicago, IL and Columbia, MO sit above the global median – Chicago, IL by 132%, Columbia, MO by 51%.

Meal at Budget Restaurant

$20.65 $20.65

$16.12 $16.12

28.10%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$73.2 $73.2

23.28%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$11.84 $11.84

9.29%

Cappuccino

$5.60 $5.60

$4.72 $4.72

18.64%

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

$2.64 $2.64

$2.47 $2.47

6.88%

Water (0.33 liter bottle)

$2.27 $2.27

$2.16 $2.16

5.09%

Local Beer (0.5 liter draught)

$6.98 $6.98

$5.07 $5.07

37.67%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$5.56 $5.56

58.81%

Milk (1 liter)

$1.27 $1.27

$1.09 $1.09

16.51%

White Bread (500g)

$3.80 $3.80

$2.80 $2.80

35.71%

Rice (white) (1kg)

$5.30 $5.30

$4.33 $4.33

22.40%

Eggs

$4.76 $4.76

$3.40 $3.40

40.00%

Local Cheese (1kg)

$13.96 $13.96

$11.34 $11.34

23.10%

Chicken Fillets (1kg)

$14.61 $14.61

$12.01 $12.01

21.65%

Beef Round Steak (1kg)

$18.77 $18.77

$14.16 $14.16

32.56%

Apples (1kg)

$5.19 $5.19

$4.06 $4.06

27.83%

Banana (1kg)

$1.98 $1.98

$1.91 $1.91

3.66%

Oranges (1kg)

$3.93 $3.93

$4.47 $4.47

-12.08%

Tomato (1kg)

$4.96 $4.96

$4.57 $4.57

8.53%

Potato (1kg)

$2.76 $2.76

$2.85 $2.85

-3.16%

Onion (1kg)

$2.76 $2.76

$2.59 $2.59

6.56%

Lettuce (1 head)

$2.22 $2.22

$1.66 $1.66

33.73%

Water (1.5 liter bottle)

$2.98 $2.98

$2.04 $2.04

46.08%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$8.01 $8.01

75.03%

Wine (Bottle)

$15.28 $15.28

$16.74 $16.74

-8.72%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.96 $1.96

31.63%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$2.36 $2.36

48.31%

One-way Ticket (Public Transport)

$2.47 $2.47

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$3.34 $3.34

$4.76 $4.76

-29.83%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.01 $1.01

41.58%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$22.83 $22.83

6.53%

Gasoline (1 liter)

$1.26 $1.26

$1.05 $1.05

20.00%

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

$35.0K $35.0K

$35.7K $35.7K

-2.00%

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

$26.1K $26.1K

$26.0K $26.0K

0.14%

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

$193 $193

$179 $179

7.61%

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

$68.3 $68.3

$46.85 $46.85

45.68%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$57.6 $57.6

6.46%

Gym Membership (Monthly)

$54.1 $54.1

$30.12 $30.12

79.68%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

$23.35 $23.35

19.57%

Cinema Ticket

$17.74 $17.74

$12.91 $12.91

37.41%

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

$1,652 $1,652

$1,185 $1,185

39.45%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$12.9K $12.9K

140.29%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$48.26 $48.26

36.90%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$33.10 $33.10

54.80%

Sport Shoes (Adidas, Nike)

$100 $100

$94.2 $94.2

6.30%

Men's Leather Business Shoes

$141 $141

$86.3 $86.3

63.32%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,221 $1,221

100.36%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$934 $934

79.68%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$1,814 $1,814

159.98%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$1,170 $1,170

138.91%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,061 $2,061

99.22%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$1,877 $1,877

41.19%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$4,084 $4,084

19.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.54

4.13%

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

Last update for Chicago, IL: October 19, 2026

Last update for Columbia, MO: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Columbia, MO

$934 45.6% 44.3% $744

Groceries & Markets

Chicago, IL

$449 14.3%

Columbia, MO

$372 18.1% 17.3% $78

Eating Out

Chicago, IL

$343 10.9%

Columbia, MO

$276 13.5% 19.6% $67

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Columbia, MO

$284 13.8% 12% $39

Clothing & Footwear

Chicago, IL

$161 5.1%

Columbia, MO

$118 5.8% 26.9% $43

Getting Around

Chicago, IL

$95 3%

Columbia, MO

$9.8 * 0.5% 89.7% $85

Sport & Entertainment

Chicago, IL

$90 2.9%

Columbia, MO

$56 2.7% 37.6% $34

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 $1,221 in Columbia, MO. 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 19% 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 $73.0 in Columbia, MO. Monthly groceries follow the same trend: $449 vs $372 – making Columbia, MO the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Columbia, MO

🕒 Local time

09:23 9:23 AM

Same time as Chicago, IL

🌤 Weather

👥 Population

2,746,388

139,698

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Chicago, IL Columbia, MO 510 km ≈ 1 h 15 min nonstop flight

From you

Chicago, IL
Columbia, MO

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 Columbia, MO: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,049 in Columbia, MO – roughly 53% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $3,073 in Columbia, MO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Columbia, MO, 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 $73.0 in Columbia, MO. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 21% 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 $2,500 monthly budget goes further in Columbia, MO, where all-in costs run around $2,049, than in Chicago, IL at $3,139. In Columbia, MO 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 $2,049 in Columbia, MO 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 Columbia, MO. 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.