Cost of Living Comparison Between Chicago, IL and Germantown, TN Cost of Living Comparison Between Chicago, IL and Germantown, TN

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $2,606 in Germantown, TN, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $3,736 in Germantown, TN, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $4,867 in Germantown, TN, rent included.

Chicago, IL costs about 17% more than Germantown, TN, driven mainly by Getting Around.

Both Chicago, IL and Germantown, TN sit above the global median – Chicago, IL by 128%, Germantown, TN by 94%.

Meal at Budget Restaurant

$20.67 $20.67

$18.72 $18.72

10.42%

Three-Course Dinner for Two, Mid-Range

$100 $100

$74.3 $74.3

35.21%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$11.04 $11.04

7.43%

Cappuccino

$5.54 $5.54

$5.08 $5.08

9.06%

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

$3.06 $3.06

$2.51 $2.51

21.91%

Water (0.33 liter bottle)

$2.48 $2.48

$2.06 $2.06

20.39%

Local Beer (0.5 liter draught)

$6.92 $6.92

$5.85 $5.85

18.29%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$7.14 $7.14

13.87%

Milk (1 liter)

$1.04 $1.04

$1.00 $1.00

4.00%

White Bread (500g)

$3.91 $3.91

$3.45 $3.45

13.33%

Rice (white) (1kg)

$5.42 $5.42

$4.41 $4.41

22.90%

Eggs

$4.48 $4.48

$4.09 $4.09

9.54%

Local Cheese (1kg)

$14.52 $14.52

$12.05 $12.05

20.50%

Chicken Fillets (1kg)

$15.21 $15.21

$11.61 $11.61

31.01%

Beef Round Steak (1kg)

$19.25 $19.25

$15.68 $15.68

22.77%

Apples (1kg)

$5.39 $5.39

$5.00 $5.00

7.80%

Banana (1kg)

$1.69 $1.69

$1.58 $1.58

6.96%

Oranges (1kg)

$4.32 $4.32

$4.36 $4.36

-0.92%

Tomato (1kg)

$4.51 $4.51

$4.81 $4.81

-6.24%

Potato (1kg)

$2.56 $2.56

$2.78 $2.78

-7.91%

Onion (1kg)

$2.70 $2.70

$2.91 $2.91

-7.22%

Lettuce (1 head)

$2.41 $2.41

$2.01 $2.01

19.90%

Water (1.5 liter bottle)

$2.62 $2.62

$2.20 $2.20

19.09%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$9.39 $9.39

59.96%

Wine (Bottle)

$14.71 $14.71

$15.37 $15.37

-4.29%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$1.86 $1.86

33.33%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$3.39 $3.39

8.85%

One-way Ticket (Public Transport)

$2.55 $2.55

$2.02 $2.02

26.24%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

Taxi Start (Normal Tariff)

$3.29 $3.29

$3.40 $3.40

-3.24%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.58 $1.58

-9.49%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$29.54 $29.54

-16.32%

Gasoline (1 liter)

$1.09 $1.09

$0.91 $0.91

19.78%

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

$31.8K $31.8K

$29.6K $29.6K

7.28%

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

$26.4K $26.4K

$25.9K $25.9K

2.09%

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

$183 $183

$186 $186

-1.58%

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

$61.8 $61.8

$53.0 $53.0

16.59%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$66.7 $66.7

-2.50%

Gym Membership (Monthly)

$76.1 $76.1

$42.77 $42.77

77.88%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$13.39 $13.39

10.16%

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

$2,056 $2,056

$1,315 $1,315

56.34%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$23.2K $23.2K

65.67%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$50.8 $50.8

25.92%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$40.51 $40.51

27.35%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$86.1 $86.1

13.01%

Men's Leather Business Shoes

$147 $147

$113 $113

29.76%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,577 $1,577

48.98%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$1,329 $1,329

19.01%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,595 $2,595

81.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,221 $2,221

22.27%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,668 $2,668

49.01%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,509 $2,509

4.91%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

$7,791 $7,791

-39.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.51

1.38%

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

Last update for Chicago, IL: April 20, 2026

Last update for Germantown, TN: April 20, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,577 in Germantown, TN. 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 65% higher in Germantown, TN, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $100 in Chicago, IL versus $74 in Germantown, TN. Monthly groceries follow the same trend: $447 vs $391 – making Germantown, TN 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 Germantown, TN: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $2,606 in Germantown, TN – roughly 17% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,577 per month in Chicago, IL and $3,909 in Germantown, TN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Germantown, TN, 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 $100 in Chicago, IL and $74.0 in Germantown, TN. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 14% 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.

$3,000 is a stretch for both – monthly costs hit $3,051 in Chicago, IL and $2,606 in Germantown, TN. 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 $2,606 in Germantown, TN to $3,051 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 Germantown, TN. 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.