Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Cumberland, MD

For one person, living is cheaper in Cumberland, MD: $2,420 a month against $3,139 in Chicago, IL, rent and utilities included – about $8,600 less a year. Other living expenses account for most of the difference.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
117

Cost of Living Index in Cumberland, MD
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Cumberland, MD Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Cumberland, MD

🇺🇸 United States

$2,420

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Cumberland, MD

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 Cumberland, MD actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,420 in Cumberland, MD, rent included.

Chicago, IL $3,139
Cumberland, MD $2,420

A couple spends around $4,627 per month in Chicago, IL vs $3,405 in Cumberland, MD, rent included.

Chicago, IL $4,627
Cumberland, MD $3,405

A family of three spends $6,115 per month in Chicago, IL vs $4,390 in Cumberland, MD, rent included.

Chicago, IL $6,115
Cumberland, MD $4,390

Chicago, IL costs about 30% more than Cumberland, MD, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$20.65 $20.65

$6.85 $6.85

201.46%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$45.78 $45.78

97.09%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$9.86 $9.86

31.24%

Cappuccino

$5.60 $5.60

$2.43 $2.43

130.45%

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

$2.64 $2.64

$1.29 $1.29

104.65%

Water (0.33 liter bottle)

$2.27 $2.27

$1.28 $1.28

77.34%

Local Beer (0.5 liter draught)

$6.98 $6.98

$3.05 $3.05

128.85%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$8.28 $8.28

6.64%

Milk (1 liter)

$1.27 $1.27

$1.09 $1.09

16.51%

White Bread (500g)

$3.80 $3.80

$2.22 $2.22

71.17%

Rice (white) (1kg)

$5.30 $5.30

$3.89 $3.89

36.25%

Eggs

$4.76 $4.76

$7.62 $7.62

-37.53%

Local Cheese (1kg)

$13.96 $13.96

$8.90 $8.90

56.85%

Chicken Fillets (1kg)

$14.61 $14.61

$16.51 $16.51

-11.51%

Beef Round Steak (1kg)

$18.77 $18.77

$19.36 $19.36

-3.05%

Apples (1kg)

$5.19 $5.19

$4.43 $4.43

17.16%

Banana (1kg)

$1.98 $1.98

$1.68 $1.68

17.86%

Oranges (1kg)

$3.93 $3.93

$6.06 $6.06

-35.15%

Tomato (1kg)

$4.96 $4.96

$5.42 $5.42

-8.49%

Potato (1kg)

$2.76 $2.76

$2.97 $2.97

-7.07%

Onion (1kg)

$2.76 $2.76

$2.07 $2.07

33.33%

Lettuce (1 head)

$2.22 $2.22

$2.17 $2.17

2.30%

Water (1.5 liter bottle)

$2.98 $2.98

$1.01 $1.01

195.05%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$7.20 $7.20

94.72%

Wine (Bottle)

$15.28 $15.28

$11.90 $11.90

28.40%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.71 $1.71

50.88%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$2.04 $2.04

71.57%

One-way Ticket (Public Transport)

$2.47 $2.47

$2.01 $2.01

22.89%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$3.34 $3.34

$6.93 $6.93

-51.80%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.89 $1.89

-24.34%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$32.35 $32.35

-24.82%

Gasoline (1 liter)

$1.26 $1.26

$0.99 $0.99

27.27%

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

$35.0K $35.0K

$28.1K $28.1K

24.55%

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

$26.1K $26.1K

$26.9K $26.9K

-2.95%

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

$193 $193

$298 $298

-35.32%

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

$68.3 $68.3

$48.95 $48.95

39.43%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$53.9 $53.9

13.71%

Gym Membership (Monthly)

$54.1 $54.1

$42.03 $42.03

28.77%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$16.74 $16.74

5.97%

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

$1,652 $1,652

$610 $610

170.73%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$23.2K $23.2K

33.99%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$15.09 $15.09

337.84%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$35.06 $35.06

46.15%

Sport Shoes (Adidas, Nike)

$100 $100

$34.31 $34.31

191.81%

Men's Leather Business Shoes

$141 $141

$34.61 $34.61

307.14%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,615 $1,615

51.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$1,310 $1,310

28.09%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,461 $2,461

91.65%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$2,138 $2,138

30.75%

Buy Apartment in City Center (m2)

$4,105 $4,105

$1,189 $1,189

245.35%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$1,222 $1,222

116.86%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

5.5

23.82%

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

Last update for Chicago, IL: October 19, 2026

Last update for Cumberland, MD: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Cumberland, MD

$1.3K 54.1% 21.9% $368

Groceries & Markets

Chicago, IL

$449 14.3%

Cumberland, MD

$400 16.5% 10.9% $49

Eating Out

Chicago, IL

$343 10.9%

Cumberland, MD

$156 6.4% 54.7% $188

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Cumberland, MD

$401 16.6% 24.4% $79

Clothing & Footwear

Chicago, IL

$161 5.1%

Cumberland, MD

$54 2.2% 66.8% $108

Getting Around

Chicago, IL

$95 3%

Cumberland, MD

$24 * 1% 74.3% $71

Sport & Entertainment

Chicago, IL

$90 2.9%

Cumberland, MD

$76 3.1% 15.7% $14

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 $1,615 in Cumberland, MD. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $90.0 in Chicago, IL versus $46.00 in Cumberland, MD. Monthly groceries follow the same trend: $449 vs $400 – making Cumberland, MD the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Cumberland, MD

🕒 Local time

22:39 10:39 PM

23:39 11:39 PM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

19,076

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Between locations

Chicago, IL Cumberland, MD 790 km ≈ 1 h 30 min nonstop flight

From you

Chicago, IL
Cumberland, MD

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 Cumberland, MD: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,420 in Cumberland, MD – roughly 30% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $3,630 in Cumberland, MD. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cumberland, MD, 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 $46.00 in Cumberland, MD. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 12% 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 Cumberland, MD, where all-in costs run around $2,420, than in Chicago, IL at $3,139. In Cumberland, MD 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 $2,420 in Cumberland, MD to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Cumberland, MD. 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.