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

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $2,873 in Newburgh, NY, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $4,014 in Newburgh, NY, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $5,154 in Newburgh, NY, rent included.

Chicago, IL costs about 6% more than Newburgh, NY, driven mainly by Getting Around.

Both Chicago, IL and Newburgh, NY sit above the global median – Chicago, IL by 128%, Newburgh, NY by 114%.

Meal at Budget Restaurant

$20.67 $20.67

$19.90 $19.90

3.87%

Three-Course Dinner for Two, Mid-Range

$100 $100

$101 $101

-0.53%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$14.13 $14.13

-16.07%

Cappuccino

$5.54 $5.54

$4.85 $4.85

14.23%

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

$3.06 $3.06

$2.42 $2.42

26.45%

Water (0.33 liter bottle)

$2.48 $2.48

$1.94 $1.94

27.84%

Local Beer (0.5 liter draught)

$6.92 $6.92

$6.95 $6.95

-0.43%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$6.63 $6.63

22.62%

Milk (1 liter)

$1.04 $1.04

$1.33 $1.33

-21.80%

White Bread (500g)

$3.91 $3.91

$3.88 $3.88

0.77%

Rice (white) (1kg)

$5.42 $5.42

$5.07 $5.07

6.90%

Eggs

$4.48 $4.48

$4.84 $4.84

-7.44%

Local Cheese (1kg)

$14.52 $14.52

$21.51 $21.51

-32.50%

Chicken Fillets (1kg)

$15.21 $15.21

$11.68 $11.68

30.22%

Beef Round Steak (1kg)

$19.25 $19.25

$17.55 $17.55

9.69%

Apples (1kg)

$5.39 $5.39

$5.03 $5.03

7.16%

Banana (1kg)

$1.69 $1.69

$1.71 $1.71

-1.17%

Oranges (1kg)

$4.32 $4.32

$3.90 $3.90

10.77%

Tomato (1kg)

$4.51 $4.51

$4.26 $4.26

5.87%

Potato (1kg)

$2.56 $2.56

$2.92 $2.92

-12.33%

Onion (1kg)

$2.70 $2.70

$3.97 $3.97

-31.99%

Lettuce (1 head)

$2.41 $2.41

$1.95 $1.95

23.59%

Water (1.5 liter bottle)

$2.62 $2.62

$2.06 $2.06

27.18%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$10.17 $10.17

47.69%

Wine (Bottle)

$14.71 $14.71

$15.10 $15.10

-2.58%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$1.68 $1.68

47.62%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$5.83 $5.83

-36.71%

One-way Ticket (Public Transport)

$2.55 $2.55

$2.03 $2.03

25.62%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

$25.14 $25.14

200.28%

Taxi Start (Normal Tariff)

$3.29 $3.29

$2.96 $2.96

11.15%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.03 $2.03

-29.56%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$23.96 $23.96

3.17%

Gasoline (1 liter)

$1.09 $1.09

$0.90 $0.90

21.11%

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

$31.8K $31.8K

$35.6K $35.6K

-10.86%

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

$26.4K $26.4K

$25.6K $25.6K

3.20%

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

$183 $183

$123 $123

48.53%

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

$61.8 $61.8

$44.52 $44.52

38.88%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$63.8 $63.8

1.94%

Gym Membership (Monthly)

$76.1 $76.1

$42.46 $42.46

79.18%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$12.20 $12.20

20.90%

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

$2,056 $2,056

$2,291 $2,291

-10.25%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$23.8K $23.8K

62.00%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$74.8 $74.8

-14.58%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$64.1 $64.1

-19.47%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$74.2 $74.2

31.10%

Men's Leather Business Shoes

$147 $147

$134 $134

10.08%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,593 $1,593

47.47%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$1,527 $1,527

3.53%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,107 $2,107

123.52%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,165 $2,165

25.45%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,700 $2,700

47.28%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,470 $2,470

6.57%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

$4,794 $4,794

-1.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.62

-0.30%

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

Last update for Chicago, IL: April 20, 2026

Last update for Newburgh, NY: April 22, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,593 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 1% higher in Newburgh, NY, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $100 in Chicago, IL versus $101 in Newburgh, NY. Groceries tell a different story – $447 in Chicago, IL vs $439 in Newburgh, NY – so Newburgh, 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 Newburgh, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $2,873 in Newburgh, NY – roughly 6% 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 $4,309 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 2% 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.

A mid-range dinner for two costs $100 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.

$3,000 is a stretch for both – monthly costs hit $3,051 in Chicago, IL and $2,873 in Newburgh, 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 $2,873 in Newburgh, NY to $3,051 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.