Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Novi, MI

For one person, living is cheaper in Novi, MI: $2,534 a month against $3,185 in Chicago, IL, rent and utilities included – about $7,800 less a year. Rent and utilities account for most of the difference.

153

Cost of Living Index in Chicago, IL
Learn more

Chicago, IL Living Index
124

Cost of Living Index in Novi, MI
Learn more

Novi, MI Living Index

Jump to prices

Chicago, IL

🇺🇸 United States

$3,185

/mo nomad

Novi, MI

🇺🇸 United States

$2,534

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Novi, MI

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 Novi, MI actually costs, broken down by who's living it.

A single person spends $3,185 per month in Chicago, IL vs $2,534 in Novi, MI, rent included.

Chicago, IL $3,185
Novi, MI $2,534

A couple spends around $4,631 per month in Chicago, IL vs $3,818 in Novi, MI, rent included.

Chicago, IL $4,631
Novi, MI $3,818

A family of three spends $6,077 per month in Chicago, IL vs $5,101 in Novi, MI, rent included.

Chicago, IL $6,077
Novi, MI $5,101

Chicago, IL costs about 26% more than Novi, MI, and outside of rent the biggest gap is in transport.

Both Chicago, IL and Novi, MI sit above the global median – Chicago, IL by 136%, Novi, MI by 88%.

Meal at Budget Restaurant

$21.58 $21.58

$17.56 $17.56

22.89%

Three-Course Dinner for Two, Mid-Range

$88.7 $88.7

$86.8 $86.8

2.13%

Fast Food Meal (McDonalds, etc)

$13.20 $13.20

$8.62 $8.62

53.13%

Cappuccino

$5.59 $5.59

$3.97 $3.97

40.81%

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

$2.63 $2.63

$2.65 $2.65

-0.75%

Water (0.33 liter bottle)

$2.26 $2.26

$2.20 $2.20

2.73%

Local Beer (0.5 liter draught)

$7.11 $7.11

$6.43 $6.43

10.58%

Imported Beer (0.33 liter bottle)

$9.23 $9.23

$7.28 $7.28

26.79%

Milk (1 liter)

$1.28 $1.28

$0.92 $0.92

39.13%

White Bread (500g)

$3.84 $3.84

Rice (white) (1kg)

$5.07 $5.07

$5.89 $5.89

-13.92%

Eggs

$4.84 $4.84

$3.34 $3.34

44.91%

Local Cheese (1kg)

$14.17 $14.17

$21.88 $21.88

-35.24%

Chicken Fillets (1kg)

$14.61 $14.61

$16.76 $16.76

-12.83%

Beef Round Steak (1kg)

$18.76 $18.76

$24.35 $24.35

-22.96%

Apples (1kg)

$5.19 $5.19

$6.53 $6.53

-20.52%

Banana (1kg)

$2.00 $2.00

$2.88 $2.88

-30.56%

Oranges (1kg)

$4.00 $4.00

$4.28 $4.28

-6.54%

Tomato (1kg)

$4.98 $4.98

$4.62 $4.62

7.79%

Potato (1kg)

$2.79 $2.79

$3.01 $3.01

-7.31%

Onion (1kg)

$2.65 $2.65

$2.94 $2.94

-9.86%

Lettuce (1 head)

$2.13 $2.13

$2.12 $2.12

0.47%

Water (1.5 liter bottle)

$3.09 $3.09

$1.95 $1.95

58.46%

Cigarettes 20 Pack (Marlboro, Camel)

$16.05 $16.05

$9.37 $9.37

71.29%

Wine (Bottle)

$15.20 $15.20

$16.25 $16.25

-6.46%

Local Beer (0.5 liter bottle)

$2.62 $2.62

$2.24 $2.24

16.96%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$3.26 $3.26

6.13%

One-way Ticket (Public Transport)

$2.47 $2.47

$1.77 $1.77

39.55%

Public Transport Monthly Pass (Regular Price)

$75.1 $75.1

Taxi Start (Normal Tariff)

$3.21 $3.21

$3.46 $3.46

-7.23%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$1.81 $1.81

-23.20%

Taxi 1hour Waiting (Normal Tariff)

$25.02 $25.02

$27.21 $27.21

-8.05%

Gasoline (1 liter)

$1.24 $1.24

$0.99 $0.99

25.25%

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

$37.2K $37.2K

$31.0K $31.0K

20.09%

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

$25.8K $25.8K

$26.7K $26.7K

-3.13%

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

$192 $192

$193 $193

-0.35%

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

$67.8 $67.8

$40.15 $40.15

68.92%

Internet (50+ Mbps, Unlimited Data)

$60.9 $60.9

$79.8 $79.8

-23.74%

Gym Membership (Monthly)

$53.6 $53.6

$41.52 $41.52

29.02%

Tennis Court (1 Hour on Weekend)

$27.90 $27.90

Cinema Ticket

$17.80 $17.80

$14.16 $14.16

25.71%

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

$1,554 $1,554

$1,548 $1,548

0.44%

International Primary School, 1 Child (Yearly)

$31.4K $31.4K

$23.3K $23.3K

34.42%

Jeans (Levis 501 Or Similar)

$67.9 $67.9

$46.14 $46.14

47.12%

Summer Dress (H&M, Zara, etc)

$50.8 $50.8

$41.61 $41.61

21.99%

Sport Shoes (Adidas, Nike)

$101 $101

$87.2 $87.2

16.36%

Men's Leather Business Shoes

$143 $143

$113 $113

26.97%

1-bedroom Apartment, City Center (Monthly)

$2,383 $2,383

$1,691 $1,691

40.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,712 $1,712

$1,228 $1,228

39.44%

3-bedroom Apartment, City Center (Monthly)

$4,674 $4,674

$2,953 $2,953

58.27%

3-bedroom Apartment, Outside City Center (Monthly)

$2,738 $2,738

$2,138 $2,138

28.07%

Buy Apartment in City Center (m2)

$4,158 $4,158

$2,759 $2,759

50.68%

Buy Apartment Outside City Center (m2)

$2,691 $2,691

$2,377 $2,377

13.21%

Average Monthly Net Salary (After Tax)

$4,894 $4,894

$6,240 $6,240

-21.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.77

6.93

-2.31%

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

Last update for Chicago, IL: October 12, 2026

Last update for Novi, MI: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.8%

Novi, MI

$1.2K 48.5% 28.3% $484

Groceries & Markets

Chicago, IL

$451 14.2%

Novi, MI

$494 19.5% 9.5% $43

Eating Out

Chicago, IL

$353 11.1%

Novi, MI

$280 11.1% 20.6% $73

Monthly Utilities & Internet

Chicago, IL

$321 10.1%

Novi, MI

$313 12.4% 2.5% $8.1

Clothing & Footwear

Chicago, IL

$164 5.1%

Novi, MI

$130 5.1% 20.8% $34

Getting Around

Chicago, IL

$95 3%

Novi, MI

$20 * 0.8% 79.4% $76

Sport & Entertainment

Chicago, IL

$89 2.8%

Novi, MI

$70 2.8% 21.7% $19

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $2,383 in Chicago, IL versus $1,691 in Novi, MI. 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 28% higher in Novi, MI, 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 $89.0 in Chicago, IL versus $87.0 in Novi, MI. Groceries tell a different story – $451 in Chicago, IL vs $494 in Novi, MI – so Chicago, IL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Novi, MI

🕒 Local time

22:42 10:42 PM

23:42 11:42 PM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

66,243

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Chicago, IL Novi, MI 350 km

From you

Chicago, IL
Novi, MI

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 Novi, MI: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,185 in Chicago, IL, $2,534 in Novi, MI – roughly 26% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $4,777 per month in Chicago, IL and $3,801 in Novi, MI. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Novi, MI, 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 $89.0 in Chicago, IL and $87.0 in Novi, MI. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 10% cheaper in Chicago, IL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$3,000 is a stretch for both – monthly costs hit $3,185 in Chicago, IL and $2,534 in Novi, MI. 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 $2,534 in Novi, MI to $3,185 in Chicago, IL. 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 Novi, MI. 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.