Cost of Living Comparison Between Chicago, IL and Los Gatos, CA Cost of Living Comparison Between Chicago, IL and Los Gatos, CA

Monthly Cost of Living

A single person spends $3,117 per month in Chicago, IL vs $4,566 in Los Gatos, CA, rent included.

A couple spends around $4,695 per month in Chicago, IL vs $6,905 in Los Gatos, CA, rent included.

A family of three spends $6,273 per month in Chicago, IL vs $9,245 in Los Gatos, CA, rent included.

Chicago, IL is about 32% cheaper than Los Gatos, CA, driven mainly by Getting Around.

Both Chicago, IL and Los Gatos, CA sit above the global median – Chicago, IL by 128%, Los Gatos, CA by 234%.

Meal at Budget Restaurant

$19.92 $19.92

$25.03 $25.03

-20.42%

Three-Course Dinner for Two, Mid-Range

$88.5 $88.5

$108 $108

-18.20%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$11.97 $11.97

8.10%

Cappuccino

$5.54 $5.54

$5.90 $5.90

-6.10%

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

$2.74 $2.74

$3.04 $3.04

-9.87%

Water (0.33 liter bottle)

$2.36 $2.36

$2.42 $2.42

-2.48%

Local Beer (0.5 liter draught)

$7.12 $7.12

$7.83 $7.83

-9.07%

Imported Beer (0.33 liter bottle)

$8.73 $8.73

$8.09 $8.09

7.91%

Milk (1 liter)

$1.34 $1.34

$1.26 $1.26

6.35%

White Bread (500g)

$4.17 $4.17

$4.18 $4.18

-0.24%

Rice (white) (1kg)

$5.73 $5.73

$4.82 $4.82

18.88%

Eggs

$4.89 $4.89

$6.56 $6.56

-25.46%

Local Cheese (1kg)

$14.77 $14.77

$23.17 $23.17

-36.25%

Chicken Fillets (1kg)

$14.85 $14.85

$11.66 $11.66

27.36%

Beef Round Steak (1kg)

$19.61 $19.61

$13.20 $13.20

48.56%

Apples (1kg)

$5.57 $5.57

$5.41 $5.41

2.96%

Banana (1kg)

$1.92 $1.92

$2.25 $2.25

-14.67%

Oranges (1kg)

$4.17 $4.17

$4.91 $4.91

-15.07%

Tomato (1kg)

$4.86 $4.86

$5.95 $5.95

-18.32%

Potato (1kg)

$2.84 $2.84

$3.32 $3.32

-14.46%

Onion (1kg)

$2.80 $2.80

$3.11 $3.11

-9.97%

Lettuce (1 head)

$2.20 $2.20

$2.24 $2.24

-1.79%

Water (1.5 liter bottle)

$3.06 $3.06

$2.63 $2.63

16.35%

Cigarettes 20 Pack (Marlboro, Camel)

$16.16 $16.16

$7.32 $7.32

120.77%

Wine (Bottle)

$14.82 $14.82

$11.77 $11.77

25.91%

Local Beer (0.5 liter bottle)

$2.53 $2.53

$1.68 $1.68

50.60%

Imported Beer (0.33 liter bottle)

$3.35 $3.35

$2.53 $2.53

32.41%

One-way Ticket (Public Transport)

$2.55 $2.55

Public Transport Monthly Pass (Regular Price)

$75.6 $75.6

Taxi Start (Normal Tariff)

$3.30 $3.30

$3.21 $3.21

2.80%

Taxi (Normal Tariff) (1km)

$1.36 $1.36

$2.37 $2.37

-42.62%

Taxi 1hour Waiting (Normal Tariff)

$25.12 $25.12

$40.31 $40.31

-37.68%

Gasoline (1 liter)

$1.17 $1.17

$1.47 $1.47

-20.41%

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

$36.0K $36.0K

$29.6K $29.6K

21.57%

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

$26.2K $26.2K

$25.8K $25.8K

1.57%

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

$191 $191

$188 $188

1.96%

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

$67.9 $67.9

$64.6 $64.6

5.11%

Internet (50+ Mbps, Unlimited Data)

$61.7 $61.7

$62.8 $62.8

-1.83%

Gym Membership (Monthly)

$63.5 $63.5

$145 $145

-56.09%

Tennis Court (1 Hour on Weekend)

$27.14 $27.14

Cinema Ticket

$18.02 $18.02

$15.76 $15.76

14.34%

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

$1,522 $1,522

$2,361 $2,361

-35.54%

International Primary School, 1 Child (Yearly)

$31.3K $31.3K

$24.2K $24.2K

29.16%

Jeans (Levis 501 Or Similar)

$63.7 $63.7

$50.9 $50.9

25.08%

Summer Dress (H&M, Zara, etc)

$55.3 $55.3

$40.37 $40.37

36.86%

Sport Shoes (Adidas, Nike)

$100 $100

$73.7 $73.7

36.25%

Men's Leather Business Shoes

$153 $153

$59.6 $59.6

156.94%

1-bedroom Apartment, City Center (Monthly)

$2,406 $2,406

$3,524 $3,524

-31.72%

1-bedroom Apartment, Outside City Center (Monthly)

$1,653 $1,653

$3,147 $3,147

-47.48%

3-bedroom Apartment, City Center (Monthly)

$4,577 $4,577

3-bedroom Apartment, Outside City Center (Monthly)

$2,771 $2,771

$6,033 $6,033

-54.06%

Buy Apartment in City Center (m2)

$4,031 $4,031

$3,463 $3,463

16.42%

Buy Apartment Outside City Center (m2)

$2,745 $2,745

Average Monthly Net Salary (After Tax)

$4,804 $4,804

20-Year Fixed Mortgage Interest Rate (Annual %)

6.38

6.25

2.08%

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

Last update for Chicago, IL: September 13, 2026

Last update for Los Gatos, CA: September 15, 2026

Cost Breakdown

A central one-bedroom costs $2,406 in Chicago, IL versus $3,524 in Los Gatos, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $88.0 in Chicago, IL versus $108 in Los Gatos, CA. Groceries tell a different story – $464 in Chicago, IL vs $451 in Los Gatos, CA – so Los Gatos, CA 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 Los Gatos, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,117 in Chicago, IL, $4,566 in Los Gatos, CA – roughly 46% apart. Los Gatos, CA costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,676 per month in Chicago, IL and $6,849 in Los Gatos, CA. 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.

A mid-range dinner for two costs $88.0 in Chicago, IL and $108 in Los Gatos, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 3% cheaper in Los Gatos, CA – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$3,000 is a stretch for both – monthly costs hit $3,117 in Chicago, IL and $4,566 in Los Gatos, CA. 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 $3,117 in Chicago, IL to $4,566 in Los Gatos, CA. 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 Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Los Gatos, CA makes more sense. Both are solid long-term options with distinct trade-offs.