Cost of Living Comparison Between Chicago, IL and McKinney, TX Cost of Living Comparison Between Chicago, IL and McKinney, TX

Monthly Cost of Living

A single person spends $3,077 per month in Chicago, IL vs $2,636 in McKinney, TX, rent included.

A couple spends around $4,628 per month in Chicago, IL vs $3,689 in McKinney, TX, rent included.

A family of three spends $6,179 per month in Chicago, IL vs $4,743 in McKinney, TX, rent included.

Chicago, IL costs about 17% more than McKinney, TX, driven mainly by Getting Around.

Both Chicago, IL and McKinney, TX sit above the global median – Chicago, IL by 130%, McKinney, TX by 97%.

Meal at Budget Restaurant

$20.91 $20.91

$16.79 $16.79

24.54%

Three-Course Dinner for Two, Mid-Range

$98.1 $98.1

$73.7 $73.7

33.11%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$9.23 $9.23

28.49%

Cappuccino

$5.60 $5.60

$5.17 $5.17

8.32%

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

$3.07 $3.07

$2.63 $2.63

16.73%

Water (0.33 liter bottle)

$2.47 $2.47

$1.98 $1.98

24.75%

Local Beer (0.5 liter draught)

$7.14 $7.14

$6.07 $6.07

17.63%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$8.09 $8.09

-0.12%

Milk (1 liter)

$1.05 $1.05

$1.09 $1.09

-3.67%

White Bread (500g)

$4.11 $4.11

$2.74 $2.74

50.00%

Rice (white) (1kg)

$5.61 $5.61

$3.99 $3.99

40.60%

Eggs

$4.51 $4.51

$5.12 $5.12

-11.91%

Local Cheese (1kg)

$14.27 $14.27

$11.45 $11.45

24.63%

Chicken Fillets (1kg)

$14.89 $14.89

$14.10 $14.10

5.60%

Beef Round Steak (1kg)

$19.19 $19.19

$16.28 $16.28

17.87%

Apples (1kg)

$5.14 $5.14

$4.47 $4.47

14.99%

Banana (1kg)

$1.77 $1.77

$1.56 $1.56

13.46%

Oranges (1kg)

$4.39 $4.39

$4.09 $4.09

7.33%

Tomato (1kg)

$4.56 $4.56

$4.43 $4.43

2.93%

Potato (1kg)

$2.54 $2.54

$3.58 $3.58

-29.05%

Onion (1kg)

$2.75 $2.75

$2.19 $2.19

25.57%

Lettuce (1 head)

$2.42 $2.42

$2.12 $2.12

14.15%

Water (1.5 liter bottle)

$2.62 $2.62

$3.03 $3.03

-13.53%

Cigarettes 20 Pack (Marlboro, Camel)

$14.92 $14.92

$9.51 $9.51

56.89%

Wine (Bottle)

$14.80 $14.80

$11.31 $11.31

30.86%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$1.93 $1.93

27.46%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$2.97 $2.97

25.59%

One-way Ticket (Public Transport)

$2.48 $2.48

$2.04 $2.04

21.57%

Public Transport Monthly Pass (Regular Price)

$75.4 $75.4

Taxi Start (Normal Tariff)

$3.18 $3.18

$2.77 $2.77

14.80%

Taxi (Normal Tariff) (1km)

$1.42 $1.42

$1.27 $1.27

11.81%

Taxi 1hour Waiting (Normal Tariff)

$24.94 $24.94

$30.49 $30.49

-18.20%

Gasoline (1 liter)

$1.06 $1.06

$0.81 $0.81

30.86%

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

$31.9K $31.9K

$29.5K $29.5K

8.27%

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

$26.0K $26.0K

$26.3K $26.3K

-1.06%

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

$185 $185

$184 $184

0.53%

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

$61.7 $61.7

$60.8 $60.8

1.60%

Internet (50+ Mbps, Unlimited Data)

$66.9 $66.9

$79.1 $79.1

-15.42%

Gym Membership (Monthly)

$75.2 $75.2

$34.46 $34.46

118.14%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

Cinema Ticket

$14.71 $14.71

$14.91 $14.91

-1.34%

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

$2,020 $2,020

$1,354 $1,354

49.16%

International Primary School, 1 Child (Yearly)

$39.4K $39.4K

$23.0K $23.0K

71.32%

Jeans (Levis 501 Or Similar)

$64.6 $64.6

$54.5 $54.5

18.59%

Summer Dress (H&M, Zara, etc)

$52.5 $52.5

$28.25 $28.25

85.66%

Sport Shoes (Adidas, Nike)

$97.8 $97.8

$101 $101

-2.82%

Men's Leather Business Shoes

$148 $148

$112 $112

32.15%

1-bedroom Apartment, City Center (Monthly)

$2,313 $2,313

$1,696 $1,696

36.35%

1-bedroom Apartment, Outside City Center (Monthly)

$1,590 $1,590

$1,381 $1,381

15.14%

3-bedroom Apartment, City Center (Monthly)

$4,608 $4,608

$3,253 $3,253

41.67%

3-bedroom Apartment, Outside City Center (Monthly)

$2,779 $2,779

$1,970 $1,970

41.08%

Buy Apartment in City Center (m2)

$3,922 $3,922

$2,289 $2,289

71.32%

Buy Apartment Outside City Center (m2)

$2,613 $2,613

$2,300 $2,300

13.58%

Average Monthly Net Salary (After Tax)

$5,217 $5,217

$5,640 $5,640

-7.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.49

1.69%

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

Last update for Chicago, IL: May 30, 2026

Last update for McKinney, TX: June 1, 2026

Cost Breakdown

A central one-bedroom costs $2,313 in Chicago, IL versus $1,696 in McKinney, TX. 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 8% higher in McKinney, TX, 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 $98.0 in Chicago, IL versus $74.0 in McKinney, TX. Monthly groceries follow the same trend: $447 vs $397 – making McKinney, TX 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 McKinney, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,077 in Chicago, IL, $2,636 in McKinney, TX – roughly 17% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,616 per month in Chicago, IL and $3,954 in McKinney, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in McKinney, TX, 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 $98.0 in Chicago, IL and $74.0 in McKinney, TX. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 13% 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 $3,077 in Chicago, IL and $2,636 in McKinney, TX. 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 $2,636 in McKinney, TX to $3,077 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with McKinney, TX. 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.