Cost of Living Comparison Between Chicago, IL and Indianapolis, IN Cost of Living Comparison Between Chicago, IL and Indianapolis, IN

Monthly Cost of Living

A single person spends $3,117 per month in Chicago, IL vs $2,694 in Indianapolis, IN, rent included.

A couple spends around $4,601 per month in Chicago, IL vs $3,916 in Indianapolis, IN, rent included.

A family of three spends $6,085 per month in Chicago, IL vs $5,139 in Indianapolis, IN, rent included.

Chicago, IL costs about 16% more than Indianapolis, IN, driven mainly by Groceries & Markets.

Both Chicago, IL and Indianapolis, IN sit above the global median – Chicago, IL by 134%, Indianapolis, IN by 102%.

Meal at Budget Restaurant

$20.18 $20.18

$24.65 $24.65

-18.13%

Three-Course Dinner for Two, Mid-Range

$101 $101

$74.3 $74.3

36.10%

Fast Food Meal (McDonalds, etc)

$12.09 $12.09

$10.88 $10.88

11.12%

Cappuccino

$5.75 $5.75

$5.47 $5.47

5.12%

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

$2.98 $2.98

$2.89 $2.89

3.11%

Water (0.33 liter bottle)

$2.46 $2.46

$2.39 $2.39

2.93%

Local Beer (0.5 liter draught)

$7.04 $7.04

$6.11 $6.11

15.22%

Imported Beer (0.33 liter bottle)

$8.27 $8.27

$7.96 $7.96

3.89%

Milk (1 liter)

$1.08 $1.08

$0.77 $0.77

40.26%

White Bread (500g)

$4.14 $4.14

$3.02 $3.02

37.09%

Rice (white) (1kg)

$5.38 $5.38

Eggs

$4.52 $4.52

$3.53 $3.53

28.05%

Local Cheese (1kg)

$14.25 $14.25

$9.05 $9.05

57.46%

Chicken Fillets (1kg)

$15.04 $15.04

$11.08 $11.08

35.74%

Beef Round Steak (1kg)

$18.84 $18.84

$14.53 $14.53

29.66%

Apples (1kg)

$5.13 $5.13

$5.12 $5.12

0.20%

Banana (1kg)

$1.70 $1.70

$1.35 $1.35

25.93%

Oranges (1kg)

$4.24 $4.24

$5.81 $5.81

-27.02%

Tomato (1kg)

$4.43 $4.43

$3.18 $3.18

39.31%

Potato (1kg)

$2.57 $2.57

$2.16 $2.16

18.98%

Onion (1kg)

$2.73 $2.73

$2.64 $2.64

3.41%

Lettuce (1 head)

$2.52 $2.52

$1.85 $1.85

36.22%

Water (1.5 liter bottle)

$2.62 $2.62

$2.05 $2.05

27.80%

Cigarettes 20 Pack (Marlboro, Camel)

$14.91 $14.91

$9.16 $9.16

62.77%

Wine (Bottle)

$15.19 $15.19

$15.85 $15.85

-4.16%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$1.78 $1.78

38.20%

Imported Beer (0.33 liter bottle)

$3.74 $3.74

$2.22 $2.22

68.47%

One-way Ticket (Public Transport)

$2.48 $2.48

$1.77 $1.77

40.11%

Public Transport Monthly Pass (Regular Price)

$73.6 $73.6

$60.5 $60.5

21.70%

Taxi Start (Normal Tariff)

$3.31 $3.31

$2.03 $2.03

63.05%

Taxi (Normal Tariff) (1km)

$1.36 $1.36

$1.73 $1.73

-21.39%

Taxi 1hour Waiting (Normal Tariff)

$25.06 $25.06

$33.54 $33.54

-25.28%

Gasoline (1 liter)

$1.05 $1.05

$0.90 $0.90

16.67%

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

$32.6K $32.6K

$33.4K $33.4K

-2.43%

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

$26.5K $26.5K

$25.0K $25.0K

6.07%

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

$187 $187

$236 $236

-20.71%

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

$63.6 $63.6

$63.2 $63.2

0.71%

Internet (50+ Mbps, Unlimited Data)

$66.0 $66.0

$73.0 $73.0

-9.58%

Gym Membership (Monthly)

$77.1 $77.1

$35.11 $35.11

119.62%

Tennis Court (1 Hour on Weekend)

$12.92 $12.92

$32.04 $32.04

-59.68%

Cinema Ticket

$15.15 $15.15

$14.59 $14.59

3.84%

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

$2,029 $2,029

$1,786 $1,786

13.63%

International Primary School, 1 Child (Yearly)

$38.7K $38.7K

$26.9K $26.9K

43.83%

Jeans (Levis 501 Or Similar)

$63.5 $63.5

$48.13 $48.13

32.00%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$41.19 $41.19

26.41%

Sport Shoes (Adidas, Nike)

$96.1 $96.1

$97.1 $97.1

-1.03%

Men's Leather Business Shoes

$148 $148

$128 $128

15.85%

1-bedroom Apartment, City Center (Monthly)

$2,343 $2,343

$1,709 $1,709

37.08%

1-bedroom Apartment, Outside City Center (Monthly)

$1,623 $1,623

$1,312 $1,312

23.67%

3-bedroom Apartment, City Center (Monthly)

$4,601 $4,601

$2,819 $2,819

63.21%

3-bedroom Apartment, Outside City Center (Monthly)

$2,774 $2,774

$2,098 $2,098

32.25%

Buy Apartment in City Center (m2)

$3,933 $3,933

$2,819 $2,819

39.54%

Buy Apartment Outside City Center (m2)

$2,562 $2,562

$1,884 $1,884

36.04%

Average Monthly Net Salary (After Tax)

$5,176 $5,176

$4,436 $4,436

16.68%

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: June 14, 2026

Last update for Indianapolis, IN: June 14, 2026

Cost Breakdown

A central one-bedroom costs $2,343 in Chicago, IL versus $1,709 in Indianapolis, IN. 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 17% 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 $101 in Chicago, IL versus $74.0 in Indianapolis, IN. Monthly groceries follow the same trend: $446 vs $361 – making Indianapolis, IN 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 Indianapolis, IN: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,117 in Chicago, IL, $2,694 in Indianapolis, IN – roughly 16% apart. Chicago, IL costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,675 per month in Chicago, IL and $4,040 in Indianapolis, IN. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 24% 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 $101 in Chicago, IL and $74.0 in Indianapolis, IN. 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 $3,117 in Chicago, IL and $2,694 in Indianapolis, IN. 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 $2,694 in Indianapolis, IN to $3,117 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Indianapolis, IN. 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.