Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Loveland, CO

For one person, living is cheaper in Loveland, CO: $2,913 a month against $3,139 in Chicago, IL, rent and utilities included – about $2,700 less a year. Other living expenses account for most of the difference.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
141

Cost of Living Index in Loveland, CO
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Loveland, CO Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Loveland, CO

🇺🇸 United States

$2,913

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Loveland, CO

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chicago, IL and in Loveland, CO actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,913 in Loveland, CO, rent included.

Chicago, IL $3,139
Loveland, CO $2,913

A couple spends around $4,627 per month in Chicago, IL vs $4,012 in Loveland, CO, rent included.

Chicago, IL $4,627
Loveland, CO $4,012

A family of three spends $6,115 per month in Chicago, IL vs $5,112 in Loveland, CO, rent included.

Chicago, IL $6,115
Loveland, CO $5,112

Chicago, IL costs about 8% more than Loveland, CO, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Loveland, CO sit above the global median – Chicago, IL by 132%, Loveland, CO by 115%.

Meal at Budget Restaurant

$20.65 $20.65

$20.76 $20.76

-0.53%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$86.0 $86.0

4.89%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$12.19 $12.19

6.15%

Cappuccino

$5.60 $5.60

$6.17 $6.17

-9.24%

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

$2.64 $2.64

$3.08 $3.08

-14.29%

Water (0.33 liter bottle)

$2.27 $2.27

$2.21 $2.21

2.71%

Local Beer (0.5 liter draught)

$6.98 $6.98

$7.15 $7.15

-2.38%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$6.85 $6.85

28.91%

Milk (1 liter)

$1.27 $1.27

$1.02 $1.02

24.51%

White Bread (500g)

$3.80 $3.80

$5.05 $5.05

-24.75%

Rice (white) (1kg)

$5.30 $5.30

$2.52 $2.52

110.32%

Eggs

$4.76 $4.76

$5.23 $5.23

-8.99%

Local Cheese (1kg)

$13.96 $13.96

$13.90 $13.90

0.43%

Chicken Fillets (1kg)

$14.61 $14.61

$10.46 $10.46

39.67%

Beef Round Steak (1kg)

$18.77 $18.77

$14.01 $14.01

33.98%

Apples (1kg)

$5.19 $5.19

$4.98 $4.98

4.22%

Banana (1kg)

$1.98 $1.98

$1.38 $1.38

43.48%

Oranges (1kg)

$3.93 $3.93

$2.91 $2.91

35.05%

Tomato (1kg)

$4.96 $4.96

$3.37 $3.37

47.18%

Potato (1kg)

$2.76 $2.76

$2.06 $2.06

33.98%

Onion (1kg)

$2.76 $2.76

$2.26 $2.26

22.12%

Lettuce (1 head)

$2.22 $2.22

$2.37 $2.37

-6.33%

Water (1.5 liter bottle)

$2.98 $2.98

$2.33 $2.33

27.90%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$10.10 $10.10

38.81%

Wine (Bottle)

$15.28 $15.28

$15.74 $15.74

-2.92%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$2.54 $2.54

1.57%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$1.97 $1.97

77.66%

One-way Ticket (Public Transport)

$2.47 $2.47

$0.98 $0.98

152.04%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

$29.56 $29.56

152.91%

Taxi Start (Normal Tariff)

$3.34 $3.34

$3.45 $3.45

-3.19%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.16 $1.16

23.28%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$30.53 $30.53

-20.34%

Gasoline (1 liter)

$1.26 $1.26

$0.95 $0.95

32.63%

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

$35.0K $35.0K

$30.0K $30.0K

16.86%

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

$26.1K $26.1K

$26.9K $26.9K

-2.93%

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

$193 $193

$165 $165

16.79%

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

$68.3 $68.3

$78.2 $78.2

-12.70%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$71.7 $71.7

-14.50%

Gym Membership (Monthly)

$54.1 $54.1

$32.75 $32.75

65.25%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$14.86 $14.86

19.38%

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

$1,652 $1,652

$1,684 $1,684

-1.94%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$6,530 $6,530

375.70%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$61.0 $61.0

8.40%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$50.7 $50.7

1.14%

Sport Shoes (Adidas, Nike)

$100 $100

$85.7 $85.7

16.89%

Men's Leather Business Shoes

$141 $141

$116 $116

21.11%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,711 $1,711

42.97%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$1,619 $1,619

3.65%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,513 $2,513

87.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$2,186 $2,186

27.85%

Buy Apartment in City Center (m2)

$4,105 $4,105

Buy Apartment Outside City Center (m2)

$2,650 $2,650

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$4,429 $4,429

9.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.86

-0.73%

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

Last update for Chicago, IL: October 19, 2026

Last update for Loveland, CO: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Loveland, CO

$1.6K 55.6% 3.5% $59

Groceries & Markets

Chicago, IL

$449 14.3%

Loveland, CO

$386 13.2% 14.2% $64

Eating Out

Chicago, IL

$343 10.9%

Loveland, CO

$347 11.9% 1.1% $3.9

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Loveland, CO

$315 10.8% 2.3% $7.4

Clothing & Footwear

Chicago, IL

$161 5.1%

Loveland, CO

$141 4.8% 12.5% $20

Getting Around

Chicago, IL

$95 3%

Loveland, CO

$43 1.5% 55.1% $52

Sport & Entertainment

Chicago, IL

$90 2.9%

Loveland, CO

$62 2.1% 30.3% $27

Cost Breakdown

A central one-bedroom costs $2,446 in Chicago, IL versus $1,711 in Loveland, CO. 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 10% 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 $90.0 in Chicago, IL versus $86.0 in Loveland, CO. Monthly groceries follow the same trend: $449 vs $386 – making Loveland, CO the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Loveland, CO

🕒 Local time

21:15 9:15 PM

20:15 8:15 PM

1 h behind Chicago, IL

🌤 Weather

👥 Population

2,746,388

61,122

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

Chicago, IL Loveland, CO 1,470 km ≈ 2 h 15 min nonstop flight

From you

Chicago, IL
Loveland, CO

Distances are measured in a straight line. Your location is detected approximately.

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 Loveland, CO: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,913 in Loveland, CO – roughly 8% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $4,369 in Loveland, CO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 17% 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 $90.0 in Chicago, IL and $86.0 in Loveland, CO. 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 $3,139 in Chicago, IL and $2,913 in Loveland, CO. 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 $2,913 in Loveland, CO to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Loveland, CO. 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.