Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Naples, FL

For one person, living costs are similar in Chicago, IL and in Naples, FL: $3,169 and $3,254 a month, rent and utilities included.

153

Cost of Living Index in Chicago, IL
Learn more

Chicago, IL Living Index
159

Cost of Living Index in Naples, FL
Learn more

Naples, FL Living Index

Jump to prices

Chicago, IL

🇺🇸 United States

$3,169

/mo nomad

Naples, FL

🇺🇸 United States

$3,254

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Naples, FL

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 Naples, FL actually costs, broken down by who's living it.

A single person spends $3,169 per month in Chicago, IL vs $3,254 in Naples, FL, rent included.

Chicago, IL $3,169
Naples, FL $3,254

A couple spends around $4,682 per month in Chicago, IL vs $5,284 in Naples, FL, rent included.

Chicago, IL $4,682
Naples, FL $5,284

A family of three spends $6,196 per month in Chicago, IL vs $7,313 in Naples, FL, rent included.

Chicago, IL $6,196
Naples, FL $7,313

Chicago, IL is about 3% cheaper than Naples, FL, and outside of rent the biggest gap is in eating out.

Both Chicago, IL and Naples, FL sit above the global median – Chicago, IL by 136%, Naples, FL by 143%.

Meal at Budget Restaurant

$21.62 $21.62

$29.55 $29.55

-26.84%

Three-Course Dinner for Two, Mid-Range

$91.2 $91.2

$108 $108

-15.59%

Fast Food Meal (McDonalds, etc)

$13.09 $13.09

$11.87 $11.87

10.28%

Cappuccino

$5.78 $5.78

$5.51 $5.51

4.90%

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

$2.64 $2.64

$3.19 $3.19

-17.24%

Water (0.33 liter bottle)

$2.28 $2.28

$2.42 $2.42

-5.79%

Local Beer (0.5 liter draught)

$6.94 $6.94

$7.05 $7.05

-1.56%

Imported Beer (0.33 liter bottle)

$8.93 $8.93

$7.09 $7.09

25.95%

Milk (1 liter)

$1.27 $1.27

$1.23 $1.23

3.25%

White Bread (500g)

$3.94 $3.94

$4.55 $4.55

-13.41%

Rice (white) (1kg)

$4.96 $4.96

$5.25 $5.25

-5.52%

Eggs

$4.64 $4.64

$4.84 $4.84

-4.13%

Local Cheese (1kg)

$13.97 $13.97

$14.84 $14.84

-5.86%

Chicken Fillets (1kg)

$14.37 $14.37

$11.24 $11.24

27.85%

Beef Round Steak (1kg)

$18.59 $18.59

$21.08 $21.08

-11.81%

Apples (1kg)

$5.37 $5.37

$5.50 $5.50

-2.36%

Banana (1kg)

$1.93 $1.93

$1.92 $1.92

0.52%

Oranges (1kg)

$4.01 $4.01

$4.16 $4.16

-3.61%

Tomato (1kg)

$4.94 $4.94

$5.48 $5.48

-9.85%

Potato (1kg)

$2.80 $2.80

Onion (1kg)

$2.76 $2.76

$3.56 $3.56

-22.47%

Lettuce (1 head)

$2.16 $2.16

$2.33 $2.33

-7.30%

Water (1.5 liter bottle)

$3.12 $3.12

$2.27 $2.27

37.44%

Cigarettes 20 Pack (Marlboro, Camel)

$15.71 $15.71

$8.87 $8.87

77.11%

Wine (Bottle)

$15.23 $15.23

$15.15 $15.15

0.53%

Local Beer (0.5 liter bottle)

$2.57 $2.57

$2.13 $2.13

20.66%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$2.12 $2.12

64.15%

One-way Ticket (Public Transport)

$2.48 $2.48

$2.05 $2.05

20.98%

Public Transport Monthly Pass (Regular Price)

$74.4 $74.4

$30.37 $30.37

144.95%

Taxi Start (Normal Tariff)

$3.23 $3.23

$2.48 $2.48

30.24%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.86 $2.86

-50.00%

Taxi 1hour Waiting (Normal Tariff)

$24.33 $24.33

$34.98 $34.98

-30.45%

Gasoline (1 liter)

$1.25 $1.25

$1.01 $1.01

23.76%

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

$35.9K $35.9K

$37.1K $37.1K

-3.30%

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

$26.0K $26.0K

$25.8K $25.8K

0.76%

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

$195 $195

$194 $194

0.50%

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

$69.0 $69.0

$63.7 $63.7

8.38%

Internet (50+ Mbps, Unlimited Data)

$62.1 $62.1

$95.0 $95.0

-34.65%

Gym Membership (Monthly)

$54.5 $54.5

$59.8 $59.8

-8.80%

Tennis Court (1 Hour on Weekend)

$27.80 $27.80

$38.44 $38.44

-27.68%

Cinema Ticket

$17.84 $17.84

$19.78 $19.78

-9.81%

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

$1,513 $1,513

$848 $848

78.46%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$36.8K $36.8K

-15.59%

Jeans (Levis 501 Or Similar)

$68.1 $68.1

$48.62 $48.62

40.05%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$49.80 $49.80

3.69%

Sport Shoes (Adidas, Nike)

$101 $101

$79.4 $79.4

27.78%

Men's Leather Business Shoes

$141 $141

$98.1 $98.1

43.79%

1-bedroom Apartment, City Center (Monthly)

$2,437 $2,437

$2,440 $2,440

-0.09%

1-bedroom Apartment, Outside City Center (Monthly)

$1,662 $1,662

$1,792 $1,792

-7.24%

3-bedroom Apartment, City Center (Monthly)

$4,644 $4,644

$4,350 $4,350

6.77%

3-bedroom Apartment, Outside City Center (Monthly)

$2,751 $2,751

$3,991 $3,991

-31.08%

Buy Apartment in City Center (m2)

$4,036 $4,036

$4,706 $4,706

-14.23%

Buy Apartment Outside City Center (m2)

$2,677 $2,677

$3,755 $3,755

-28.72%

Average Monthly Net Salary (After Tax)

$4,861 $4,861

$5,563 $5,563

-12.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.77

6.39

5.95%

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

Last update for Chicago, IL: October 6, 2026

Last update for Naples, FL: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53%

Naples, FL

$1.8K 54.7% 7.8% $130

Groceries & Markets

Chicago, IL

$450 14.3%

Naples, FL

$443 13.5% 1.5% $7

Eating Out

Chicago, IL

$354 11.3%

Naples, FL

$410 12.5% 15.9% $56

Monthly Utilities & Internet

Chicago, IL

$326 10.4%

Naples, FL

$352 10.8% 8.2% $27

Clothing & Footwear

Chicago, IL

$163 5.2%

Naples, FL

$124 3.8% 23.8% $39

Getting Around

Chicago, IL

$95 3%

Naples, FL

$55 1.7% 41.6% $39

Sport & Entertainment

Chicago, IL

$90 2.9%

Naples, FL

$99 3% 10.1% $9.1

Cost Breakdown

A central one-bedroom costs $2,437 in Chicago, IL versus $2,440 in Naples, FL. 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 14% higher in Naples, FL, 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 $91.0 in Chicago, IL versus $108 in Naples, FL. Groceries tell a different story – $450 in Chicago, IL vs $443 in Naples, FL – so Naples, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Naples, FL

🕒 Local time

08:58 8:58 AM

09:58 9:58 AM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

19,539

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.892 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Chicago, IL Naples, FL 1,830 km ≈ 2 h 45 min nonstop flight

From you

Chicago, IL
Naples, FL

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 Naples, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,169 in Chicago, IL, $3,254 in Naples, FL – roughly 3% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,753 per month in Chicago, IL and $4,882 in Naples, FL. 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 2% cheaper in Naples, FL – 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 $91.0 in Chicago, IL and $108 in Naples, FL. 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 $3,169 in Chicago, IL and $3,254 in Naples, FL. 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 $3,169 in Chicago, IL to $3,254 in Naples, FL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Naples, FL makes more sense. Both are solid long-term options with distinct trade-offs.