Cost of Living Comparison Between Chicago, IL and Middletown, NY Cost of Living Comparison Between Chicago, IL and Middletown, NY

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $2,599 in Middletown, NY, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $3,753 in Middletown, NY, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $4,907 in Middletown, NY, rent included.

Chicago, IL costs about 17% more than Middletown, NY, driven mainly by Getting Around.

Both Chicago, IL and Middletown, NY sit above the global median – Chicago, IL by 128%, Middletown, NY by 94%.

Meal at Budget Restaurant

$20.67 $20.67

$20.25 $20.25

2.07%

Three-Course Dinner for Two, Mid-Range

$100 $100

$61.1 $61.1

64.47%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$12.70 $12.70

-6.61%

Cappuccino

$5.54 $5.54

$5.09 $5.09

8.84%

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

$3.06 $3.06

$2.80 $2.80

9.29%

Water (0.33 liter bottle)

$2.48 $2.48

$2.02 $2.02

22.77%

Local Beer (0.5 liter draught)

$6.92 $6.92

$5.95 $5.95

16.30%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$7.82 $7.82

3.96%

Milk (1 liter)

$1.04 $1.04

$1.22 $1.22

-14.75%

White Bread (500g)

$3.91 $3.91

$4.76 $4.76

-17.86%

Rice (white) (1kg)

$5.42 $5.42

$6.38 $6.38

-15.05%

Eggs

$4.48 $4.48

$5.55 $5.55

-19.28%

Local Cheese (1kg)

$14.52 $14.52

$13.67 $13.67

6.22%

Chicken Fillets (1kg)

$15.21 $15.21

$7.20 $7.20

111.25%

Beef Round Steak (1kg)

$19.25 $19.25

$15.19 $15.19

26.73%

Apples (1kg)

$5.39 $5.39

$2.85 $2.85

89.12%

Banana (1kg)

$1.69 $1.69

$1.55 $1.55

9.03%

Oranges (1kg)

$4.32 $4.32

$5.83 $5.83

-25.90%

Tomato (1kg)

$4.51 $4.51

$4.36 $4.36

3.44%

Potato (1kg)

$2.56 $2.56

$2.77 $2.77

-7.58%

Onion (1kg)

$2.70 $2.70

$4.27 $4.27

-36.77%

Lettuce (1 head)

$2.41 $2.41

$2.66 $2.66

-9.40%

Water (1.5 liter bottle)

$2.62 $2.62

$2.32 $2.32

12.93%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$14.86 $14.86

1.08%

Wine (Bottle)

$14.71 $14.71

$16.76 $16.76

-12.23%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$2.47 $2.47

0.40%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$3.56 $3.56

3.65%

One-way Ticket (Public Transport)

$2.55 $2.55

$1.98 $1.98

28.79%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

Taxi Start (Normal Tariff)

$3.29 $3.29

$2.96 $2.96

11.15%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.23 $2.23

-35.87%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$41.46 $41.46

-40.38%

Gasoline (1 liter)

$1.09 $1.09

$0.97 $0.97

12.37%

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

$31.8K $31.8K

$25.7K $25.7K

23.76%

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

$26.4K $26.4K

$24.1K $24.1K

9.63%

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

$183 $183

$157 $157

16.42%

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

$61.8 $61.8

$50.2 $50.2

23.14%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$67.6 $67.6

-3.82%

Gym Membership (Monthly)

$76.1 $76.1

$43.73 $43.73

73.98%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$19.80 $19.80

-25.51%

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

$2,056 $2,056

$1,933 $1,933

6.36%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$14.4K $14.4K

167.28%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$62.5 $62.5

2.27%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$58.3 $58.3

-11.48%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$112 $112

-13.27%

Men's Leather Business Shoes

$147 $147

$132 $132

11.67%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,578 $1,578

48.87%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$1,360 $1,360

16.22%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,622 $2,622

79.55%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,232 $2,232

21.68%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,482 $2,482

60.22%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,018 $2,018

30.40%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.51

1.38%

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

Last update for Chicago, IL: April 20, 2026

Last update for Middletown, NY: April 21, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,578 in Middletown, NY. 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 $100 in Chicago, IL versus $61 in Middletown, NY. Monthly groceries follow the same trend: $447 vs $407 – making Middletown, NY 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 Middletown, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $2,599 in Middletown, NY – roughly 17% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,577 per month in Chicago, IL and $3,898 in Middletown, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Middletown, NY, 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 $100 in Chicago, IL and $61.0 in Middletown, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 10% 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 $3,051 in Chicago, IL and $2,599 in Middletown, NY. 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 $2,599 in Middletown, NY to $3,051 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Middletown, NY. 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.