Cost of Living Comparison Between Chicago, IL and Ojai, CA Cost of Living Comparison Between Chicago, IL and Ojai, CA

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $3,601 in Ojai, CA, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $4,304 in Ojai, CA, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $5,007 in Ojai, CA, rent included.

Chicago, IL is about 15% cheaper than Ojai, CA, driven mainly by Groceries & Markets.

Both Chicago, IL and Ojai, CA sit above the global median – Chicago, IL by 128%, Ojai, CA by 169%.

Meal at Budget Restaurant

$20.67 $20.67

$25.23 $25.23

-18.07%

Three-Course Dinner for Two, Mid-Range

$100 $100

$50.2 $50.2

100.32%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$9.96 $9.96

19.08%

Cappuccino

$5.54 $5.54

$5.49 $5.49

0.91%

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

$3.06 $3.06

$2.43 $2.43

25.93%

Water (0.33 liter bottle)

$2.48 $2.48

$1.72 $1.72

44.19%

Local Beer (0.5 liter draught)

$6.92 $6.92

$7.93 $7.93

-12.74%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$8.63 $8.63

-5.79%

Milk (1 liter)

$1.04 $1.04

$1.24 $1.24

-16.13%

White Bread (500g)

$3.91 $3.91

$3.87 $3.87

1.03%

Rice (white) (1kg)

$5.42 $5.42

$4.67 $4.67

16.06%

Eggs

$4.48 $4.48

$4.61 $4.61

-2.82%

Local Cheese (1kg)

$14.52 $14.52

$12.34 $12.34

17.67%

Chicken Fillets (1kg)

$15.21 $15.21

$5.35 $5.35

184.30%

Beef Round Steak (1kg)

$19.25 $19.25

$11.04 $11.04

74.37%

Apples (1kg)

$5.39 $5.39

$5.57 $5.57

-3.23%

Banana (1kg)

$1.69 $1.69

$1.83 $1.83

-7.65%

Oranges (1kg)

$4.32 $4.32

$3.78 $3.78

14.29%

Tomato (1kg)

$4.51 $4.51

$5.47 $5.47

-17.55%

Potato (1kg)

$2.56 $2.56

$1.29 $1.29

98.45%

Onion (1kg)

$2.70 $2.70

$2.82 $2.82

-4.26%

Lettuce (1 head)

$2.41 $2.41

$2.02 $2.02

19.31%

Water (1.5 liter bottle)

$2.62 $2.62

$2.00 $2.00

31.00%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$9.81 $9.81

53.11%

Wine (Bottle)

$14.71 $14.71

$14.86 $14.86

-1.01%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$1.77 $1.77

40.11%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$4.71 $4.71

-21.66%

One-way Ticket (Public Transport)

$2.55 $2.55

$2.04 $2.04

25.00%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

Taxi Start (Normal Tariff)

$3.29 $3.29

$4.03 $4.03

-18.36%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.09 $2.09

-31.58%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$31.79 $31.79

-22.24%

Gasoline (1 liter)

$1.09 $1.09

$1.23 $1.23

-11.38%

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

$31.8K $31.8K

$28.1K $28.1K

13.20%

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

$26.4K $26.4K

$26.8K $26.8K

-1.19%

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

$183 $183

$201 $201

-8.79%

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

$61.8 $61.8

$54.6 $54.6

13.30%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$71.5 $71.5

-9.09%

Gym Membership (Monthly)

$76.1 $76.1

$43.09 $43.09

76.56%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$14.14 $14.14

4.31%

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

$2,056 $2,056

$1,873 $1,873

9.77%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$39.8K $39.8K

-3.16%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$56.6 $56.6

12.99%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$40.21 $40.21

28.30%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$73.8 $73.8

31.72%

Men's Leather Business Shoes

$147 $147

$156 $156

-5.94%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$2,582 $2,582

-9.01%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$2,231 $2,231

-29.12%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,652 $2,652

77.51%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,213 $2,213

22.71%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,358 $2,358

68.64%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,135 $2,135

23.24%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.69

-1.35%

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

Last update for Chicago, IL: April 20, 2026

Last update for Ojai, CA: April 21, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $2,582 in Ojai, CA. 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 $100 in Chicago, IL versus $50 in Ojai, CA. Monthly groceries follow the same trend: $447 vs $356 – making Ojai, CA the more affordable choice for daily food spending.

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 Ojai, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $3,601 in Ojai, CA – roughly 18% apart. Ojai, CA costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,577 per month in Chicago, IL and $5,401 in Ojai, CA. 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.

A mid-range dinner for two costs $100 in Chicago, IL and $50.0 in Ojai, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 26% cheaper in Ojai, CA – 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 $3,051 in Chicago, IL and $3,601 in Ojai, CA. 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 $3,051 in Chicago, IL to $3,601 in Ojai, CA. 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 Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ojai, CA makes more sense. Both are solid long-term options with distinct trade-offs.