Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Cutler Bay, FL

For one person, living is cheaper in Cutler Bay, FL: $2,619 a month against $3,037 in Chicago, IL, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

147

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
129

Cost of Living Index in Cutler Bay, FL
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Cutler Bay, FL Living Index

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Chicago, IL

🇺🇸 United States

$3,037

/mo nomad

Cutler Bay, FL

🇺🇸 United States

$2,619

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Cutler Bay, FL

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 Cutler Bay, FL actually costs, broken down by who's living it.

A single person spends $3,037 per month in Chicago, IL vs $2,619 in Cutler Bay, FL, rent included.

Chicago, IL $3,037
Cutler Bay, FL $2,619

A couple spends around $4,518 per month in Chicago, IL vs $3,948 in Cutler Bay, FL, rent included.

Chicago, IL $4,518
Cutler Bay, FL $3,948

A family of three spends $5,999 per month in Chicago, IL vs $5,277 in Cutler Bay, FL, rent included.

Chicago, IL $5,999
Cutler Bay, FL $5,277

Chicago, IL costs about 16% more than Cutler Bay, FL, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Cutler Bay, FL sit above the global median – Chicago, IL by 123%, Cutler Bay, FL by 92%.

Meal at Budget Restaurant

$20.71 $20.71

$29.45 $29.45

-29.68%

Three-Course Dinner for Two, Mid-Range

$89.2 $89.2

$95.0 $95.0

-6.06%

Fast Food Meal (McDonalds, etc)

$13.19 $13.19

$11.84 $11.84

11.40%

Cappuccino

$5.66 $5.66

$5.26 $5.26

7.60%

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

$2.64 $2.64

$2.43 $2.43

8.64%

Water (0.33 liter bottle)

$2.28 $2.28

$1.78 $1.78

28.09%

Local Beer (0.5 liter draught)

$6.87 $6.87

$7.53 $7.53

-8.76%

Imported Beer (0.33 liter bottle)

$8.84 $8.84

$10.08 $10.08

-12.30%

Milk (1 liter)

$1.25 $1.25

$1.06 $1.06

17.92%

White Bread (500g)

$3.72 $3.72

$3.04 $3.04

22.37%

Rice (white) (1kg)

$5.39 $5.39

$3.21 $3.21

67.91%

Eggs

$4.74 $4.74

Local Cheese (1kg)

$13.84 $13.84

$13.38 $13.38

3.44%

Chicken Fillets (1kg)

$14.40 $14.40

$12.55 $12.55

14.74%

Beef Round Steak (1kg)

$18.38 $18.38

$18.92 $18.92

-2.85%

Apples (1kg)

$5.22 $5.22

$4.74 $4.74

10.13%

Banana (1kg)

$1.98 $1.98

$1.77 $1.77

11.86%

Oranges (1kg)

$4.06 $4.06

$3.10 $3.10

30.97%

Tomato (1kg)

$4.97 $4.97

$4.28 $4.28

16.12%

Potato (1kg)

$2.67 $2.67

$3.03 $3.03

-11.88%

Onion (1kg)

$2.66 $2.66

$3.28 $3.28

-18.90%

Lettuce (1 head)

$2.24 $2.24

$2.72 $2.72

-17.65%

Water (1.5 liter bottle)

$3.13 $3.13

$2.19 $2.19

42.92%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 $13.82

$9.09 $9.09

52.04%

Wine (Bottle)

$14.88 $14.88

$13.12 $13.12

13.41%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$1.69 $1.69

50.30%

Imported Beer (0.33 liter bottle)

$3.51 $3.51

$3.26 $3.26

7.67%

One-way Ticket (Public Transport)

$2.43 $2.43

$1.86 $1.86

30.65%

Public Transport Monthly Pass (Regular Price)

$73.5 $73.5

$65.2 $65.2

12.79%

Taxi Start (Normal Tariff)

$3.18 $3.18

$3.02 $3.02

5.30%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$2.00 $2.00

-30.50%

Taxi 1hour Waiting (Normal Tariff)

$25.03 $25.03

$24.37 $24.37

2.71%

Gasoline (1 liter)

$1.20 $1.20

$1.04 $1.04

15.38%

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

$35.0K $35.0K

$27.9K $27.9K

25.47%

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

$26.7K $26.7K

$26.9K $26.9K

-0.99%

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

$194 $194

$181 $181

7.30%

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

$69.5 $69.5

$64.3 $64.3

8.09%

Internet (50+ Mbps, Unlimited Data)

$61.6 $61.6

$74.0 $74.0

-16.68%

Gym Membership (Monthly)

$47.90 $47.90

$38.15 $38.15

25.56%

Tennis Court (1 Hour on Weekend)

$27.34 $27.34

Cinema Ticket

$17.81 $17.81

$9.97 $9.97

78.64%

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

$1,794 $1,794

$1,470 $1,470

22.01%

International Primary School, 1 Child (Yearly)

$31.9K $31.9K

$40.2K $40.2K

-20.56%

Jeans (Levis 501 Or Similar)

$67.0 $67.0

$50.4 $50.4

32.90%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$41.13 $41.13

26.77%

Sport Shoes (Adidas, Nike)

$102 $102

$101 $101

0.96%

Men's Leather Business Shoes

$144 $144

$111 $111

30.02%

1-bedroom Apartment, City Center (Monthly)

$2,526 $2,526

$1,746 $1,746

44.70%

1-bedroom Apartment, Outside City Center (Monthly)

$1,578 $1,578

$1,216 $1,216

29.74%

3-bedroom Apartment, City Center (Monthly)

$4,738 $4,738

$2,697 $2,697

75.68%

3-bedroom Apartment, Outside City Center (Monthly)

$2,693 $2,693

$2,068 $2,068

30.20%

Buy Apartment in City Center (m2)

$4,190 $4,190

$2,873 $2,873

45.85%

Buy Apartment Outside City Center (m2)

$2,768 $2,768

$2,062 $2,062

34.24%

Average Monthly Net Salary (After Tax)

$4,931 $4,931

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.56

3.81%

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

Last update for Chicago, IL: October 25, 2026

Last update for Cutler Bay, FL: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.6K 52%

Cutler Bay, FL

$1.2K 46.4% 22.9% $362

Groceries & Markets

Chicago, IL

$447 14.7%

Cutler Bay, FL

$395 15.1% 11.8% $53

Eating Out

Chicago, IL

$345 11.4%

Cutler Bay, FL

$409 15.6% 18.5% $64

Monthly Utilities & Internet

Chicago, IL

$326 10.7%

Cutler Bay, FL

$319 12.2% 1.9% $6.1

Clothing & Footwear

Chicago, IL

$164 5.4%

Cutler Bay, FL

$136 5.2% 16.9% $28

Getting Around

Chicago, IL

$93 3.1%

Cutler Bay, FL

$86 3.3% 8.3% $7.7

Sport & Entertainment

Chicago, IL

$84 2.8%

Cutler Bay, FL

$58 2.2% 30.4% $25

Cost Breakdown

A central one-bedroom costs $2,526 in Chicago, IL versus $1,746 in Cutler Bay, FL. 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 $89 in Chicago, IL versus $95 in Cutler Bay, FL. Groceries tell a different story – $447 in Chicago, IL vs $395 in Cutler Bay, FL – so Cutler Bay, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Cutler Bay, FL

🕒 Local time

15:48 3:48 PM

16:48 4:48 PM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

30,253

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

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Between locations

Chicago, IL Cutler Bay, FL 1,930 km ≈ 3 h nonstop flight

From you

Chicago, IL
Cutler Bay, FL

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 Cutler Bay, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,037 in Chicago, IL, $2,619 in Cutler Bay, FL – Cutler Bay, FL comes out roughly 14% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,555 per month in Chicago, IL and $3,929 in Cutler Bay, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cutler Bay, FL, especially for central apartments: a one-bedroom in the center costs $1,746 there versus $2,526 in Chicago, IL.

Groceries cost about 13% more in Chicago, IL, though the gap depends on what you buy.

A mid-range dinner for two costs $89 in Chicago, IL and $95 in Cutler Bay, FL. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $3,037 in Chicago, IL and $2,619 in Cutler Bay, FL. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Cutler Bay, FL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.