Cost of Living Comparison Between Chicago, IL and Mount Vernon, NY Cost of Living Comparison Between Chicago, IL and Mount Vernon, NY

Monthly Cost of Living

A single person spends $3,106 per month in Chicago, IL vs $2,675 in Mount Vernon, NY, rent included.

A couple spends around $4,599 per month in Chicago, IL vs $4,036 in Mount Vernon, NY, rent included.

A family of three spends $6,092 per month in Chicago, IL vs $5,396 in Mount Vernon, NY, rent included.

Chicago, IL costs about 16% more than Mount Vernon, NY, driven mainly by Getting Around.

Both Chicago, IL and Mount Vernon, NY sit above the global median – Chicago, IL by 126%, Mount Vernon, NY by 95%.

Meal at Budget Restaurant

$19.86 $19.86

$24.66 $24.66

-19.46%

Three-Course Dinner for Two, Mid-Range

$88.3 $88.3

$102 $102

-13.05%

Fast Food Meal (McDonalds, etc)

$13.23 $13.23

$11.20 $11.20

18.13%

Cappuccino

$5.86 $5.86

$6.12 $6.12

-4.25%

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

$2.61 $2.61

$2.23 $2.23

17.04%

Water (0.33 liter bottle)

$2.32 $2.32

$1.57 $1.57

47.77%

Local Beer (0.5 liter draught)

$7.03 $7.03

$7.97 $7.97

-11.79%

Imported Beer (0.33 liter bottle)

$9.25 $9.25

$8.14 $8.14

13.64%

Milk (1 liter)

$1.34 $1.34

$1.27 $1.27

5.51%

White Bread (500g)

$4.19 $4.19

$3.87 $3.87

8.27%

Rice (white) (1kg)

$5.50 $5.50

$6.93 $6.93

-20.63%

Eggs

$4.71 $4.71

$5.58 $5.58

-15.59%

Local Cheese (1kg)

$14.72 $14.72

$12.42 $12.42

18.52%

Chicken Fillets (1kg)

$14.53 $14.53

$11.62 $11.62

25.04%

Beef Round Steak (1kg)

$19.69 $19.69

$17.36 $17.36

13.42%

Apples (1kg)

$5.64 $5.64

$5.55 $5.55

1.62%

Banana (1kg)

$1.97 $1.97

$1.77 $1.77

11.30%

Oranges (1kg)

$4.04 $4.04

$5.86 $5.86

-31.06%

Tomato (1kg)

$5.07 $5.07

$5.02 $5.02

1.00%

Potato (1kg)

$2.94 $2.94

$3.51 $3.51

-16.24%

Onion (1kg)

$2.92 $2.92

$3.87 $3.87

-24.55%

Lettuce (1 head)

$2.28 $2.28

$2.73 $2.73

-16.48%

Water (1.5 liter bottle)

$3.12 $3.12

$2.46 $2.46

26.83%

Cigarettes 20 Pack (Marlboro, Camel)

$16.19 $16.19

$11.23 $11.23

44.17%

Wine (Bottle)

$15.17 $15.17

$19.60 $19.60

-22.60%

Local Beer (0.5 liter bottle)

$2.67 $2.67

$1.69 $1.69

57.99%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$3.98 $3.98

-12.56%

One-way Ticket (Public Transport)

$2.54 $2.54

$1.95 $1.95

30.26%

Public Transport Monthly Pass (Regular Price)

$76.0 $76.0

Taxi Start (Normal Tariff)

$3.16 $3.16

$2.97 $2.97

6.40%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$2.10 $2.10

-34.76%

Taxi 1hour Waiting (Normal Tariff)

$22.66 $22.66

$24.07 $24.07

-5.86%

Gasoline (1 liter)

$1.20 $1.20

$1.12 $1.12

7.14%

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

$37.0K $37.0K

$34.9K $34.9K

6.01%

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

$26.0K $26.0K

$25.0K $25.0K

4.01%

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

$190 $190

$203 $203

-6.58%

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

$68.5 $68.5

$72.0 $72.0

-4.93%

Internet (50+ Mbps, Unlimited Data)

$61.1 $61.1

$65.5 $65.5

-6.74%

Gym Membership (Monthly)

$63.8 $63.8

$40.84 $40.84

56.17%

Tennis Court (1 Hour on Weekend)

$27.80 $27.80

Cinema Ticket

$18.28 $18.28

$14.25 $14.25

28.28%

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

$1,525 $1,525

$2,239 $2,239

-31.90%

International Primary School, 1 Child (Yearly)

$32.0K $32.0K

$23.4K $23.4K

36.61%

Jeans (Levis 501 Or Similar)

$64.0 $64.0

$41.67 $41.67

53.64%

Summer Dress (H&M, Zara, etc)

$54.4 $54.4

$53.9 $53.9

0.87%

Sport Shoes (Adidas, Nike)

$101 $101

$76.2 $76.2

32.00%

Men's Leather Business Shoes

$153 $153

$124 $124

23.58%

1-bedroom Apartment, City Center (Monthly)

$2,421 $2,421

$1,527 $1,527

58.53%

1-bedroom Apartment, Outside City Center (Monthly)

$1,690 $1,690

$1,230 $1,230

37.35%

3-bedroom Apartment, City Center (Monthly)

$4,584 $4,584

$2,443 $2,443

87.63%

3-bedroom Apartment, Outside City Center (Monthly)

$2,782 $2,782

$1,898 $1,898

46.57%

Buy Apartment in City Center (m2)

$4,170 $4,170

$2,937 $2,937

41.95%

Buy Apartment Outside City Center (m2)

$2,739 $2,739

$2,347 $2,347

16.68%

Average Monthly Net Salary (After Tax)

$4,777 $4,777

20-Year Fixed Mortgage Interest Rate (Annual %)

6.38

6.17

3.40%

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

Last update for Chicago, IL: August 29, 2026

Last update for Mount Vernon, NY: August 31, 2026

Cost Breakdown

A central one-bedroom costs $2,421 in Chicago, IL versus $1,527 in Mount Vernon, 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 $88.0 in Chicago, IL versus $102 in Mount Vernon, NY. Groceries tell a different story – $465 in Chicago, IL vs $450 in Mount Vernon, NY – so Mount Vernon, NY 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 Mount Vernon, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,106 in Chicago, IL, $2,675 in Mount Vernon, NY – roughly 16% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,659 per month in Chicago, IL and $4,013 in Mount Vernon, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Mount Vernon, 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 $88.0 in Chicago, IL and $102 in Mount Vernon, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 3% 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.

$2,500 is a stretch for both – monthly costs hit $3,106 in Chicago, IL and $2,675 in Mount Vernon, 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 $2,675 in Mount Vernon, NY to $3,106 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Mount Vernon, 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.