Cost of Living Comparison Between Chicago, IL and Florence, KY Cost of Living Comparison Between Chicago, IL and Florence, KY

Monthly Cost of Living

A single person spends $3,009 per month in Chicago, IL vs $2,218 in Florence, KY, rent included.

A couple spends around $4,593 per month in Chicago, IL vs $3,366 in Florence, KY, rent included.

A family of three spends $6,177 per month in Chicago, IL vs $4,514 in Florence, KY, rent included.

Chicago, IL costs about 36% more than Florence, KY, driven mainly by Groceries & Markets.

Both Chicago, IL and Florence, KY sit above the global median – Chicago, IL by 125%, Florence, KY by 66%.

Meal at Budget Restaurant

$20.35 $20.35

$17.81 $17.81

14.26%

Three-Course Dinner for Two, Mid-Range

$102 $102

$77.9 $77.9

30.47%

Fast Food Meal (McDonalds, etc)

$11.98 $11.98

$10.12 $10.12

18.38%

Cappuccino

$5.70 $5.70

$4.25 $4.25

34.12%

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

$3.00 $3.00

$2.22 $2.22

35.14%

Water (0.33 liter bottle)

$2.46 $2.46

$2.01 $2.01

22.39%

Local Beer (0.5 liter draught)

$6.87 $6.87

$6.02 $6.02

14.12%

Imported Beer (0.33 liter bottle)

$8.09 $8.09

$7.19 $7.19

12.52%

Milk (1 liter)

$1.03 $1.03

$0.78 $0.78

32.05%

White Bread (500g)

$3.95 $3.95

$2.71 $2.71

45.76%

Rice (white) (1kg)

$5.42 $5.42

$3.79 $3.79

43.01%

Eggs

$4.50 $4.50

$3.18 $3.18

41.51%

Local Cheese (1kg)

$14.53 $14.53

$10.16 $10.16

43.01%

Chicken Fillets (1kg)

$14.89 $14.89

$9.47 $9.47

57.23%

Beef Round Steak (1kg)

$18.98 $18.98

$14.42 $14.42

31.62%

Apples (1kg)

$5.39 $5.39

$4.87 $4.87

10.68%

Banana (1kg)

$1.77 $1.77

$1.38 $1.38

28.26%

Oranges (1kg)

$4.35 $4.35

$4.03 $4.03

7.94%

Tomato (1kg)

$4.53 $4.53

$4.95 $4.95

-8.48%

Potato (1kg)

$2.53 $2.53

$2.03 $2.03

24.63%

Onion (1kg)

$2.81 $2.81

$2.70 $2.70

4.07%

Lettuce (1 head)

$2.51 $2.51

$1.86 $1.86

34.95%

Water (1.5 liter bottle)

$2.67 $2.67

$1.42 $1.42

88.03%

Cigarettes 20 Pack (Marlboro, Camel)

$14.88 $14.88

$8.88 $8.88

67.57%

Wine (Bottle)

$15.22 $15.22

$15.89 $15.89

-4.22%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$2.10 $2.10

17.14%

Imported Beer (0.33 liter bottle)

$3.53 $3.53

$1.84 $1.84

91.85%

One-way Ticket (Public Transport)

$2.56 $2.56

$1.97 $1.97

29.95%

Public Transport Monthly Pass (Regular Price)

$74.3 $74.3

$64.6 $64.6

15.05%

Taxi Start (Normal Tariff)

$3.19 $3.19

$2.70 $2.70

18.15%

Taxi (Normal Tariff) (1km)

$1.41 $1.41

$1.26 $1.26

11.90%

Taxi 1hour Waiting (Normal Tariff)

$25.49 $25.49

$25.14 $25.14

1.39%

Gasoline (1 liter)

$1.04 $1.04

$0.82 $0.82

26.83%

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

$32.2K $32.2K

$34.3K $34.3K

-6.21%

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

$26.8K $26.8K

$25.3K $25.3K

5.61%

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

$184 $184

$200 $200

-8.25%

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

$63.1 $63.1

$55.8 $55.8

13.12%

Internet (50+ Mbps, Unlimited Data)

$66.4 $66.4

$58.8 $58.8

12.96%

Gym Membership (Monthly)

$75.9 $75.9

$17.30 $17.30

338.79%

Tennis Court (1 Hour on Weekend)

$13.06 $13.06

Cinema Ticket

$15.25 $15.25

$13.72 $13.72

11.15%

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

$2,090 $2,090

$1,233 $1,233

69.47%

International Primary School, 1 Child (Yearly)

$39.2K $39.2K

$13.3K $13.3K

194.76%

Jeans (Levis 501 Or Similar)

$64.2 $64.2

$49.39 $49.39

29.99%

Summer Dress (H&M, Zara, etc)

$51.0 $51.0

$43.69 $43.69

16.73%

Sport Shoes (Adidas, Nike)

$97.2 $97.2

$87.9 $87.9

10.58%

Men's Leather Business Shoes

$149 $149

$101 $101

47.67%

1-bedroom Apartment, City Center (Monthly)

$2,341 $2,341

$1,276 $1,276

83.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,572 $1,572

$1,049 $1,049

49.85%

3-bedroom Apartment, City Center (Monthly)

$4,741 $4,741

$2,167 $2,167

118.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,819 $2,819

$1,833 $1,833

53.81%

Buy Apartment in City Center (m2)

$3,900 $3,900

$1,878 $1,878

107.63%

Buy Apartment Outside City Center (m2)

$2,638 $2,638

$1,239 $1,239

113.00%

Average Monthly Net Salary (After Tax)

$4,769 $4,769

$3,453 $3,453

38.10%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.54

0.92%

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

Last update for Chicago, IL: April 25, 2026

Last update for Florence, KY: April 26, 2026

Cost Breakdown

A central one-bedroom costs $2,341 in Chicago, IL versus $1,276 in Florence, KY. 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 38% 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 $102 in Chicago, IL versus $78.0 in Florence, KY. Monthly groceries follow the same trend: $447 vs $339 – making Florence, KY the more affordable choice for daily food spending.

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 Florence, KY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,009 in Chicago, IL, $2,218 in Florence, KY – roughly 36% apart. Chicago, IL costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,513 per month in Chicago, IL and $3,327 in Florence, KY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 32% 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 $102 in Chicago, IL and $78.0 in Florence, KY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,500 monthly budget goes further in Florence, KY, where all-in costs run around $2,218, than in Chicago, IL at $3,009. In Florence, KY 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 $2,218 in Florence, KY to $3,009 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Florence, KY. 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.