Cost of Living Comparison Between Chicago, IL and Jersey City, NJ Cost of Living Comparison Between Chicago, IL and Jersey City, NJ

Monthly Cost of Living

A single person spends $3,077 per month in Chicago, IL vs $3,885 in Jersey City, NJ, rent included.

A couple spends around $4,628 per month in Chicago, IL vs $5,471 in Jersey City, NJ, rent included.

A family of three spends $6,179 per month in Chicago, IL vs $7,056 in Jersey City, NJ, rent included.

Chicago, IL is about 21% cheaper than Jersey City, NJ, driven mainly by Getting Around.

Both Chicago, IL and Jersey City, NJ sit above the global median – Chicago, IL by 130%, Jersey City, NJ by 190%.

Meal at Budget Restaurant

$20.91 $20.91

$19.65 $19.65

6.41%

Three-Course Dinner for Two, Mid-Range

$98.1 $98.1

$99.8 $99.8

-1.63%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$14.11 $14.11

-15.95%

Cappuccino

$5.60 $5.60

$5.24 $5.24

6.87%

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

$3.07 $3.07

$2.37 $2.37

29.54%

Water (0.33 liter bottle)

$2.47 $2.47

$1.86 $1.86

32.80%

Local Beer (0.5 liter draught)

$7.14 $7.14

$6.89 $6.89

3.63%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$9.14 $9.14

-11.60%

Milk (1 liter)

$1.05 $1.05

$1.29 $1.29

-18.60%

White Bread (500g)

$4.11 $4.11

$3.73 $3.73

10.19%

Rice (white) (1kg)

$5.61 $5.61

$5.37 $5.37

4.47%

Eggs

$4.51 $4.51

$4.94 $4.94

-8.70%

Local Cheese (1kg)

$14.27 $14.27

$21.69 $21.69

-34.21%

Chicken Fillets (1kg)

$14.89 $14.89

$12.00 $12.00

24.08%

Beef Round Steak (1kg)

$19.19 $19.19

$17.44 $17.44

10.03%

Apples (1kg)

$5.14 $5.14

$4.82 $4.82

6.64%

Banana (1kg)

$1.77 $1.77

Oranges (1kg)

$4.39 $4.39

$4.04 $4.04

8.66%

Tomato (1kg)

$4.56 $4.56

$4.14 $4.14

10.14%

Potato (1kg)

$2.54 $2.54

$2.79 $2.79

-8.96%

Onion (1kg)

$2.75 $2.75

$3.82 $3.82

-28.01%

Lettuce (1 head)

$2.42 $2.42

$2.49 $2.49

-2.81%

Water (1.5 liter bottle)

$2.62 $2.62

$2.69 $2.69

-2.60%

Cigarettes 20 Pack (Marlboro, Camel)

$14.92 $14.92

$12.00 $12.00

24.33%

Wine (Bottle)

$14.80 $14.80

$14.95 $14.95

-1.00%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$1.76 $1.76

39.77%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$5.97 $5.97

-37.52%

One-way Ticket (Public Transport)

$2.48 $2.48

$2.83 $2.83

-12.37%

Public Transport Monthly Pass (Regular Price)

$75.4 $75.4

$95.8 $95.8

-21.26%

Taxi Start (Normal Tariff)

$3.18 $3.18

$2.94 $2.94

8.16%

Taxi (Normal Tariff) (1km)

$1.42 $1.42

$1.77 $1.77

-19.77%

Taxi 1hour Waiting (Normal Tariff)

$24.94 $24.94

$23.61 $23.61

5.63%

Gasoline (1 liter)

$1.06 $1.06

$0.85 $0.85

24.71%

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

$31.9K $31.9K

$35.2K $35.2K

-9.28%

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

$26.0K $26.0K

$25.7K $25.7K

1.49%

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

$185 $185

$127 $127

45.35%

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

$61.7 $61.7

$44.25 $44.25

39.53%

Internet (50+ Mbps, Unlimited Data)

$66.9 $66.9

$63.8 $63.8

4.97%

Gym Membership (Monthly)

$75.2 $75.2

$79.5 $79.5

-5.39%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

$43.42 $43.42

-69.88%

Cinema Ticket

$14.71 $14.71

$16.83 $16.83

-12.60%

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

$2,020 $2,020

$2,218 $2,218

-8.90%

International Primary School, 1 Child (Yearly)

$39.4K $39.4K

$23.8K $23.8K

65.39%

Jeans (Levis 501 Or Similar)

$64.6 $64.6

$74.6 $74.6

-13.38%

Summer Dress (H&M, Zara, etc)

$52.5 $52.5

$63.6 $63.6

-17.54%

Sport Shoes (Adidas, Nike)

$97.8 $97.8

$73.5 $73.5

33.07%

Men's Leather Business Shoes

$148 $148

$132 $132

11.54%

1-bedroom Apartment, City Center (Monthly)

$2,313 $2,313

$3,350 $3,350

-30.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,590 $1,590

$2,480 $2,480

-35.89%

3-bedroom Apartment, City Center (Monthly)

$4,608 $4,608

$6,189 $6,189

-25.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,779 $2,779

$3,648 $3,648

-23.84%

Buy Apartment in City Center (m2)

$3,922 $3,922

$7,951 $7,951

-50.68%

Buy Apartment Outside City Center (m2)

$2,613 $2,613

$5,557 $5,557

-52.98%

Average Monthly Net Salary (After Tax)

$5,217 $5,217

$6,308 $6,308

-17.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.62

-0.30%

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

Last update for Chicago, IL: May 30, 2026

Last update for Jersey City, NJ: May 31, 2026

Cost Breakdown

A central one-bedroom costs $2,313 in Chicago, IL versus $3,350 in Jersey City, NJ. 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 21% higher in Jersey City, NJ, 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 $100 in Jersey City, NJ. Monthly groceries follow the same trend: $447 vs $449 – making Chicago, IL 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 Jersey City, NJ: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,077 in Chicago, IL, $3,885 in Jersey City, NJ – roughly 26% apart. Jersey City, NJ 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 $5,828 in Jersey City, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 1% more in Jersey City, NJ, 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 $98.0 in Chicago, IL and $100 in Jersey City, NJ. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$3,000 is a stretch for both – monthly costs hit $3,077 in Chicago, IL and $3,885 in Jersey City, NJ. 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 $3,077 in Chicago, IL to $3,885 in Jersey City, NJ. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Jersey City, NJ makes more sense. Both are solid long-term options with distinct trade-offs.