Cost of Living Comparison Between Chicago, IL and Ellicott City, MD Cost of Living Comparison Between Chicago, IL and Ellicott City, MD

Monthly Cost of Living

A single person spends $3,077 per month in Chicago, IL vs $2,674 in Ellicott City, MD, rent included.

A couple spends around $4,628 per month in Chicago, IL vs $3,921 in Ellicott City, MD, rent included.

A family of three spends $6,179 per month in Chicago, IL vs $5,167 in Ellicott City, MD, rent included.

Chicago, IL costs about 15% more than Ellicott City, MD, driven mainly by Getting Around.

Both Chicago, IL and Ellicott City, MD sit above the global median – Chicago, IL by 130%, Ellicott City, MD by 100%.

Meal at Budget Restaurant

$20.91 $20.91

$20.34 $20.34

2.80%

Three-Course Dinner for Two, Mid-Range

$98.1 $98.1

$90.2 $90.2

8.80%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$10.16 $10.16

16.73%

Cappuccino

$5.60 $5.60

$4.98 $4.98

12.45%

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

$3.07 $3.07

$3.27 $3.27

-6.12%

Water (0.33 liter bottle)

$2.47 $2.47

$2.57 $2.57

-3.89%

Local Beer (0.5 liter draught)

$7.14 $7.14

$5.94 $5.94

20.20%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$7.84 $7.84

3.06%

Milk (1 liter)

$1.05 $1.05

$1.18 $1.18

-11.02%

White Bread (500g)

$4.11 $4.11

$3.61 $3.61

13.85%

Rice (white) (1kg)

$5.61 $5.61

$4.39 $4.39

27.79%

Eggs

$4.51 $4.51

$4.50 $4.50

0.22%

Local Cheese (1kg)

$14.27 $14.27

$17.30 $17.30

-17.51%

Chicken Fillets (1kg)

$14.89 $14.89

$10.24 $10.24

45.41%

Beef Round Steak (1kg)

$19.19 $19.19

$16.21 $16.21

18.38%

Apples (1kg)

$5.14 $5.14

$6.75 $6.75

-23.85%

Banana (1kg)

$1.77 $1.77

$2.94 $2.94

-39.80%

Oranges (1kg)

$4.39 $4.39

$7.03 $7.03

-37.55%

Tomato (1kg)

$4.56 $4.56

$5.32 $5.32

-14.29%

Potato (1kg)

$2.54 $2.54

$2.81 $2.81

-9.61%

Onion (1kg)

$2.75 $2.75

$2.89 $2.89

-4.84%

Lettuce (1 head)

$2.42 $2.42

$2.52 $2.52

-3.97%

Water (1.5 liter bottle)

$2.62 $2.62

$2.76 $2.76

-5.07%

Cigarettes 20 Pack (Marlboro, Camel)

$14.92 $14.92

$8.09 $8.09

84.43%

Wine (Bottle)

$14.80 $14.80

$15.23 $15.23

-2.82%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$2.37 $2.37

3.80%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$3.82 $3.82

-2.36%

One-way Ticket (Public Transport)

$2.48 $2.48

$2.06 $2.06

20.39%

Public Transport Monthly Pass (Regular Price)

$75.4 $75.4

Taxi Start (Normal Tariff)

$3.18 $3.18

$1.76 $1.76

80.68%

Taxi (Normal Tariff) (1km)

$1.42 $1.42

$1.39 $1.39

2.16%

Taxi 1hour Waiting (Normal Tariff)

$24.94 $24.94

$23.55 $23.55

5.90%

Gasoline (1 liter)

$1.06 $1.06

$0.84 $0.84

26.19%

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

$31.9K $31.9K

$25.4K $25.4K

25.83%

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

$26.0K $26.0K

$24.8K $24.8K

4.77%

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

$185 $185

$173 $173

6.83%

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

$61.7 $61.7

$52.5 $52.5

17.62%

Internet (50+ Mbps, Unlimited Data)

$66.9 $66.9

$79.0 $79.0

-15.32%

Gym Membership (Monthly)

$75.2 $75.2

$42.32 $42.32

77.62%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

Cinema Ticket

$14.71 $14.71

$15.40 $15.40

-4.48%

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

$2,020 $2,020

$1,291 $1,291

56.51%

International Primary School, 1 Child (Yearly)

$39.4K $39.4K

$32.9K $32.9K

19.69%

Jeans (Levis 501 Or Similar)

$64.6 $64.6

$48.32 $48.32

33.71%

Summer Dress (H&M, Zara, etc)

$52.5 $52.5

$47.61 $47.61

10.17%

Sport Shoes (Adidas, Nike)

$97.8 $97.8

$87.7 $87.7

11.58%

Men's Leather Business Shoes

$148 $148

$111 $111

32.80%

1-bedroom Apartment, City Center (Monthly)

$2,313 $2,313

$1,623 $1,623

42.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,590 $1,590

$1,330 $1,330

19.56%

3-bedroom Apartment, City Center (Monthly)

$4,608 $4,608

$2,637 $2,637

74.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,779 $2,779

$2,193 $2,193

26.68%

Buy Apartment in City Center (m2)

$3,922 $3,922

Buy Apartment Outside City Center (m2)

$2,613 $2,613

$2,595 $2,595

0.68%

Average Monthly Net Salary (After Tax)

$5,217 $5,217

$5,077 $5,077

2.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.57

0.46%

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

Last update for Chicago, IL: May 30, 2026

Last update for Ellicott City, MD: June 2, 2026

Cost Breakdown

A central one-bedroom costs $2,313 in Chicago, IL versus $1,623 in Ellicott City, MD. 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 3% 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 $98.0 in Chicago, IL versus $90.0 in Ellicott City, MD. Groceries tell a different story – $447 in Chicago, IL vs $449 in Ellicott City, MD – so Chicago, IL wins on supermarket bills even if dining out costs more.

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 Ellicott City, MD: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,077 in Chicago, IL, $2,674 in Ellicott City, MD – roughly 15% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,616 per month in Chicago, IL and $4,011 in Ellicott City, MD. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ellicott City, 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 $98.0 in Chicago, IL and $90.0 in Ellicott City, MD. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 0% cheaper in Chicago, IL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,500 is a stretch for both – monthly costs hit $3,077 in Chicago, IL and $2,674 in Ellicott City, MD. 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 $2,674 in Ellicott City, MD to $3,077 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Ellicott City, 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.