Last update: Oct 2026

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

For one person, living costs are similar in Chicago, IL and in Newburgh, NY: $3,037 and $2,972 a month, rent and utilities included.

147

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
143

Cost of Living Index in Newburgh, NY
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Newburgh, NY Living Index

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Chicago, IL

🇺🇸 United States

$3,037

/mo nomad

Newburgh, NY

🇺🇸 United States

$2,972

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Newburgh, NY

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 Newburgh, NY actually costs, broken down by who's living it.

A single person spends $3,037 per month in Chicago, IL vs $2,972 in Newburgh, NY, rent included.

Chicago, IL $3,037
Newburgh, NY $2,972

A couple spends around $4,518 per month in Chicago, IL vs $4,205 in Newburgh, NY, rent included.

Chicago, IL $4,518
Newburgh, NY $4,205

A family of three spends $5,999 per month in Chicago, IL vs $5,439 in Newburgh, NY, rent included.

Chicago, IL $5,999
Newburgh, NY $5,439

Chicago, IL costs about 2% more than Newburgh, NY, and outside of rent the biggest gap is in leisure.

Both Chicago, IL and Newburgh, NY sit above the global median – Chicago, IL by 123%, Newburgh, NY by 118%.

Meal at Budget Restaurant

$20.71 $20.71

$25.31 $25.31

-18.17%

Three-Course Dinner for Two, Mid-Range

$89.2 $89.2

$101 $101

-11.67%

Fast Food Meal (McDonalds, etc)

$13.19 $13.19

$11.02 $11.02

19.69%

Cappuccino

$5.66 $5.66

$4.93 $4.93

14.81%

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

$2.64 $2.64

$2.12 $2.12

24.53%

Water (0.33 liter bottle)

$2.28 $2.28

$1.52 $1.52

50.00%

Local Beer (0.5 liter draught)

$6.87 $6.87

$8.23 $8.23

-16.52%

Imported Beer (0.33 liter bottle)

$8.84 $8.84

$5.05 $5.05

75.05%

Milk (1 liter)

$1.25 $1.25

$1.28 $1.28

-2.34%

White Bread (500g)

$3.72 $3.72

$4.21 $4.21

-11.64%

Rice (white) (1kg)

$5.39 $5.39

$7.66 $7.66

-29.63%

Eggs

$4.74 $4.74

$5.89 $5.89

-19.52%

Local Cheese (1kg)

$13.84 $13.84

$12.42 $12.42

11.43%

Chicken Fillets (1kg)

$14.40 $14.40

$11.79 $11.79

22.14%

Beef Round Steak (1kg)

$18.38 $18.38

$17.53 $17.53

4.85%

Apples (1kg)

$5.22 $5.22

$5.54 $5.54

-5.78%

Banana (1kg)

$1.98 $1.98

$1.73 $1.73

14.45%

Oranges (1kg)

$4.06 $4.06

$6.42 $6.42

-36.76%

Tomato (1kg)

$4.97 $4.97

$6.05 $6.05

-17.85%

Potato (1kg)

$2.67 $2.67

$5.61 $5.61

-52.41%

Onion (1kg)

$2.66 $2.66

$3.74 $3.74

-28.88%

Lettuce (1 head)

$2.24 $2.24

$2.04 $2.04

9.80%

Water (1.5 liter bottle)

$3.13 $3.13

$1.96 $1.96

59.69%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 $13.82

$9.81 $9.81

40.88%

Wine (Bottle)

$14.88 $14.88

$24.21 $24.21

-38.54%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$1.75 $1.75

45.14%

Imported Beer (0.33 liter bottle)

$3.51 $3.51

$5.53 $5.53

-36.53%

One-way Ticket (Public Transport)

$2.43 $2.43

$2.01 $2.01

20.90%

Public Transport Monthly Pass (Regular Price)

$73.5 $73.5

$59.6 $59.6

23.31%

Taxi Start (Normal Tariff)

$3.18 $3.18

$2.95 $2.95

7.80%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$2.02 $2.02

-31.19%

Taxi 1hour Waiting (Normal Tariff)

$25.03 $25.03

$23.62 $23.62

5.97%

Gasoline (1 liter)

$1.20 $1.20

$1.06 $1.06

13.21%

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

$35.0K $35.0K

$28.0K $28.0K

25.31%

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

$26.7K $26.7K

$26.1K $26.1K

2.23%

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

$194 $194

$151 $151

28.44%

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

$69.5 $69.5

$73.2 $73.2

-5.12%

Internet (50+ Mbps, Unlimited Data)

$61.6 $61.6

$65.0 $65.0

-5.11%

Gym Membership (Monthly)

$47.90 $47.90

$38.14 $38.14

25.59%

Tennis Court (1 Hour on Weekend)

$27.34 $27.34

Cinema Ticket

$17.81 $17.81

$11.78 $11.78

51.19%

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

$1,794 $1,794

$2,480 $2,480

-27.67%

International Primary School, 1 Child (Yearly)

$31.9K $31.9K

$23.2K $23.2K

37.52%

Jeans (Levis 501 Or Similar)

$67.0 $67.0

$41.94 $41.94

59.80%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$57.3 $57.3

-8.99%

Sport Shoes (Adidas, Nike)

$102 $102

$77.6 $77.6

30.79%

Men's Leather Business Shoes

$144 $144

$156 $156

-7.96%

1-bedroom Apartment, City Center (Monthly)

$2,526 $2,526

$1,617 $1,617

56.23%

1-bedroom Apartment, Outside City Center (Monthly)

$1,578 $1,578

$1,553 $1,553

1.58%

3-bedroom Apartment, City Center (Monthly)

$4,738 $4,738

$2,132 $2,132

122.29%

3-bedroom Apartment, Outside City Center (Monthly)

$2,693 $2,693

$2,130 $2,130

26.44%

Buy Apartment in City Center (m2)

$4,190 $4,190

$2,982 $2,982

40.50%

Buy Apartment Outside City Center (m2)

$2,768 $2,768

$2,339 $2,339

18.33%

Average Monthly Net Salary (After Tax)

$4,931 $4,931

$4,740 $4,740

4.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.75

0.89%

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

Last update for Chicago, IL: October 25, 2026

Last update for Newburgh, NY: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.6K 52%

Newburgh, NY

$1.6K 52.3% 1.6% $25

Groceries & Markets

Chicago, IL

$447 14.7%

Newburgh, NY

$476 16% 6.4% $29

Eating Out

Chicago, IL

$345 11.4%

Newburgh, NY

$361 12.1% 4.5% $16

Monthly Utilities & Internet

Chicago, IL

$326 10.7%

Newburgh, NY

$290 9.7% 11.1% $36

Clothing & Footwear

Chicago, IL

$164 5.4%

Newburgh, NY

$150 5% 8.6% $14

Getting Around

Chicago, IL

$93 3.1%

Newburgh, NY

$81 2.7% 13.5% $13

Sport & Entertainment

Chicago, IL

$84 2.8%

Newburgh, NY

$62 2.1% 26.1% $22

Cost Breakdown

A central one-bedroom costs $2,526 in Chicago, IL versus $1,617 in Newburgh, NY. 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 4% higher in Chicago, IL. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $89 in Chicago, IL versus $101 in Newburgh, NY. Monthly groceries follow the same trend: $447 vs $476 – making Chicago, IL the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Newburgh, NY

🕒 Local time

14:02 2:02 PM

15:02 3:02 PM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

28,290

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.898 EUR

Exchange rates and currency converter

On the map

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Between locations

Chicago, IL Newburgh, NY 1,130 km ≈ 2 h nonstop flight

From you

Chicago, IL
Newburgh, NY

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 Newburgh, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,037 in Chicago, IL, $2,972 in Newburgh, NY – roughly 2% apart. Outside of rent, the biggest gap is in leisure.

For a comfortable life, plan on about $4,555 per month in Chicago, IL and $4,458 in Newburgh, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Newburgh, NY, especially for central apartments: a one-bedroom in the center costs $1,617 there versus $2,526 in Chicago, IL.

Interestingly, groceries are about 6% cheaper in Chicago, IL – 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 $89 in Chicago, IL and $101 in Newburgh, NY. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

It depends on your priorities. Chicago, IL has an edge in some lifestyle areas, with costs from $2,972 in Newburgh, NY to $3,037 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Newburgh, 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.