Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Morristown, NJ

For one person, living is cheaper in Chicago, IL: $3,139 a month against $3,972 in Morristown, NJ, rent and utilities included – about $10,000 less a year. Higher rent and utilities in Morristown, NJ outweigh lower spending on other living expenses.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
190

Cost of Living Index in Morristown, NJ
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Morristown, NJ Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Morristown, NJ

🇺🇸 United States

$3,972

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Morristown, NJ

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 Morristown, NJ actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $3,972 in Morristown, NJ, rent included.

Chicago, IL $3,139
Morristown, NJ $3,972

A couple spends around $4,627 per month in Chicago, IL vs $5,434 in Morristown, NJ, rent included.

Chicago, IL $4,627
Morristown, NJ $5,434

A family of three spends $6,115 per month in Chicago, IL vs $6,896 in Morristown, NJ, rent included.

Chicago, IL $6,115
Morristown, NJ $6,896

Chicago, IL is about 21% cheaper than Morristown, NJ, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Morristown, NJ sit above the global median – Chicago, IL by 132%, Morristown, NJ by 193%.

Meal at Budget Restaurant

$20.65 $20.65

$18.66 $18.66

10.66%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$81.1 $81.1

11.26%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$12.17 $12.17

6.33%

Cappuccino

$5.60 $5.60

$5.95 $5.95

-5.88%

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

$2.64 $2.64

$2.43 $2.43

8.64%

Water (0.33 liter bottle)

$2.27 $2.27

$1.51 $1.51

50.33%

Local Beer (0.5 liter draught)

$6.98 $6.98

$8.21 $8.21

-14.98%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$11.91 $11.91

-25.86%

Milk (1 liter)

$1.27 $1.27

$1.22 $1.22

4.10%

White Bread (500g)

$3.80 $3.80

$4.59 $4.59

-17.21%

Rice (white) (1kg)

$5.30 $5.30

$4.29 $4.29

23.54%

Eggs

$4.76 $4.76

$6.52 $6.52

-26.99%

Local Cheese (1kg)

$13.96 $13.96

$13.87 $13.87

0.65%

Chicken Fillets (1kg)

$14.61 $14.61

$6.58 $6.58

122.04%

Beef Round Steak (1kg)

$18.77 $18.77

$19.88 $19.88

-5.58%

Apples (1kg)

$5.19 $5.19

$5.88 $5.88

-11.73%

Banana (1kg)

$1.98 $1.98

$3.02 $3.02

-34.44%

Oranges (1kg)

$3.93 $3.93

$4.38 $4.38

-10.27%

Tomato (1kg)

$4.96 $4.96

$5.47 $5.47

-9.32%

Potato (1kg)

$2.76 $2.76

$2.99 $2.99

-7.69%

Onion (1kg)

$2.76 $2.76

$3.12 $3.12

-11.54%

Lettuce (1 head)

$2.22 $2.22

$2.05 $2.05

8.29%

Water (1.5 liter bottle)

$2.98 $2.98

$0.52 $0.52

473.08%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$13.21 $13.21

6.13%

Wine (Bottle)

$15.28 $15.28

$15.27 $15.27

0.07%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.83 $1.83

40.98%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$3.22 $3.22

8.70%

One-way Ticket (Public Transport)

$2.47 $2.47

$2.53 $2.53

-2.37%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

$70.2 $70.2

6.56%

Taxi Start (Normal Tariff)

$3.34 $3.34

$3.07 $3.07

8.79%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.16 $2.16

-33.80%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$42.31 $42.31

-42.52%

Gasoline (1 liter)

$1.26 $1.26

$0.89 $0.89

41.57%

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

$35.0K $35.0K

$28.1K $28.1K

24.46%

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

$26.1K $26.1K

$25.4K $25.4K

2.52%

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

$193 $193

$173 $173

11.55%

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

$68.3 $68.3

$51.0 $51.0

33.82%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$50.6 $50.6

21.22%

Gym Membership (Monthly)

$54.1 $54.1

$80.1 $80.1

-32.43%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

$20.83 $20.83

34.04%

Cinema Ticket

$17.74 $17.74

$17.31 $17.31

2.48%

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

$1,652 $1,652

$1,990 $1,990

-16.99%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$15.9K $15.9K

95.21%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$49.51 $49.51

33.45%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$26.52 $26.52

93.21%

Sport Shoes (Adidas, Nike)

$100 $100

$110 $110

-9.02%

Men's Leather Business Shoes

$141 $141

$101 $101

38.92%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$2,706 $2,706

-9.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$2,618 $2,618

-35.91%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$4,140 $4,140

13.95%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$3,810 $3,810

-26.63%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,710 $2,710

51.47%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$2,292 $2,292

15.59%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$5,357 $5,357

-9.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.56

3.81%

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

Last update for Chicago, IL: October 19, 2026

Last update for Morristown, NJ: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Morristown, NJ

$2.6K 65.9% 56% $940

Groceries & Markets

Chicago, IL

$449 14.3%

Morristown, NJ

$404 10.2% 10.2% $46

Eating Out

Chicago, IL

$343 10.9%

Morristown, NJ

$338 8.5% 1.6% $5.6

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Morristown, NJ

$274 6.9% 14.9% $48

Clothing & Footwear

Chicago, IL

$161 5.1%

Morristown, NJ

$129 3.3% 19.8% $32

Getting Around

Chicago, IL

$95 3%

Morristown, NJ

$94 2.4% 1% $1

Sport & Entertainment

Chicago, IL

$90 2.9%

Morristown, NJ

$115 2.9% 28% $25

Cost Breakdown

A central one-bedroom costs $2,446 in Chicago, IL versus $2,706 in Morristown, 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 10% higher in Morristown, 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 $90.0 in Chicago, IL versus $81.0 in Morristown, NJ. Monthly groceries follow the same trend: $449 vs $404 – making Morristown, NJ the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Morristown, NJ

🕒 Local time

01:01 1:01 AM

02:01 2:01 AM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

19,122

💱 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 Morristown, NJ 1,100 km ≈ 2 h nonstop flight

From you

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

City Median Internet Speeds Comparison (Updated April 2026)

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Digital Nomad Cost of Living Index

Chicago, IL vs Morristown, NJ: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $3,972 in Morristown, NJ – roughly 27% 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 $5,957 in Morristown, 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.

Interestingly, groceries are about 11% cheaper in Morristown, NJ – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $90.0 in Chicago, IL and $81.0 in Morristown, 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 $3,139 in Chicago, IL and $3,972 in Morristown, 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 $3,139 in Chicago, IL to $3,972 in Morristown, NJ. 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, Morristown, NJ makes more sense. Both are solid long-term options with distinct trade-offs.