Last update: Oct 2026

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

For one person, living is cheaper in Chicago, IL: $3,037 a month against $3,611 in Ojai, CA, rent and utilities included – about $6,900 less a year. Higher rent and utilities in Ojai, CA outweigh lower spending on other living expenses.

147

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
175

Cost of Living Index in Ojai, CA
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Ojai, CA Living Index

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Chicago, IL

🇺🇸 United States

$3,037

/mo nomad

Ojai, CA

🇺🇸 United States

$3,611

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Ojai, CA

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 Ojai, CA actually costs, broken down by who's living it.

A single person spends $3,037 per month in Chicago, IL vs $3,611 in Ojai, CA, rent included.

Chicago, IL $3,037
Ojai, CA $3,611

A couple spends around $4,518 per month in Chicago, IL vs $4,299 in Ojai, CA, rent included.

Chicago, IL $4,518
Ojai, CA $4,299

A family of three spends $5,999 per month in Chicago, IL vs $4,987 in Ojai, CA, rent included.

Chicago, IL $5,999
Ojai, CA $4,987

Chicago, IL is about 16% cheaper than Ojai, CA, and outside of rent the biggest gap is in eating out.

Both Chicago, IL and Ojai, CA sit above the global median – Chicago, IL by 123%, Ojai, CA by 165%.

Meal at Budget Restaurant

$20.71 $20.71

$24.82 $24.82

-16.56%

Three-Course Dinner for Two, Mid-Range

$89.2 $89.2

$50.9 $50.9

75.27%

Fast Food Meal (McDonalds, etc)

$13.19 $13.19

$11.52 $11.52

14.50%

Cappuccino

$5.66 $5.66

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

$2.64 $2.64

$2.55 $2.55

3.53%

Water (0.33 liter bottle)

$2.28 $2.28

$1.76 $1.76

29.55%

Local Beer (0.5 liter draught)

$6.87 $6.87

$8.22 $8.22

-16.42%

Imported Beer (0.33 liter bottle)

$8.84 $8.84

$9.60 $9.60

-7.92%

Milk (1 liter)

$1.25 $1.25

$1.19 $1.19

5.04%

White Bread (500g)

$3.72 $3.72

$3.76 $3.76

-1.06%

Rice (white) (1kg)

$5.39 $5.39

$4.23 $4.23

27.42%

Eggs

$4.74 $4.74

$4.85 $4.85

-2.27%

Local Cheese (1kg)

$13.84 $13.84

$12.34 $12.34

12.16%

Chicken Fillets (1kg)

$14.40 $14.40

$5.20 $5.20

176.92%

Beef Round Steak (1kg)

$18.38 $18.38

$11.15 $11.15

64.84%

Apples (1kg)

$5.22 $5.22

$5.43 $5.43

-3.87%

Banana (1kg)

$1.98 $1.98

$1.73 $1.73

14.45%

Oranges (1kg)

$4.06 $4.06

$4.31 $4.31

-5.80%

Tomato (1kg)

$4.97 $4.97

$6.47 $6.47

-23.18%

Potato (1kg)

$2.67 $2.67

$1.26 $1.26

111.90%

Onion (1kg)

$2.66 $2.66

$2.71 $2.71

-1.85%

Lettuce (1 head)

$2.24 $2.24

$1.95 $1.95

14.87%

Water (1.5 liter bottle)

$3.13 $3.13

$2.27 $2.27

37.89%

Cigarettes 20 Pack (Marlboro, Camel)

$13.82 $13.82

$10.91 $10.91

26.67%

Wine (Bottle)

$14.88 $14.88

$14.73 $14.73

1.02%

Local Beer (0.5 liter bottle)

$2.54 $2.54

$1.70 $1.70

49.41%

Imported Beer (0.33 liter bottle)

$3.51 $3.51

$3.20 $3.20

9.69%

One-way Ticket (Public Transport)

$2.43 $2.43

$1.95 $1.95

24.62%

Public Transport Monthly Pass (Regular Price)

$73.5 $73.5

$55.0 $55.0

33.69%

Taxi Start (Normal Tariff)

$3.18 $3.18

$4.53 $4.53

-29.80%

Taxi (Normal Tariff) (1km)

$1.39 $1.39

$1.90 $1.90

-26.84%

Taxi 1hour Waiting (Normal Tariff)

$25.03 $25.03

$36.30 $36.30

-31.05%

Gasoline (1 liter)

$1.20 $1.20

$1.54 $1.54

-22.08%

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

$35.0K $35.0K

$27.7K $27.7K

26.29%

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

$26.7K $26.7K

$26.6K $26.6K

0.27%

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

$194 $194

$213 $213

-8.78%

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

$69.5 $69.5

$70.9 $70.9

-2.06%

Internet (50+ Mbps, Unlimited Data)

$61.6 $61.6

$70.4 $70.4

-12.43%

Gym Membership (Monthly)

$47.90 $47.90

$39.58 $39.58

21.02%

Tennis Court (1 Hour on Weekend)

$27.34 $27.34

Cinema Ticket

$17.81 $17.81

$12.08 $12.08

47.43%

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

$1,794 $1,794

$1,874 $1,874

-4.29%

International Primary School, 1 Child (Yearly)

$31.9K $31.9K

$43.5K $43.5K

-26.60%

Jeans (Levis 501 Or Similar)

$67.0 $67.0

$57.8 $57.8

16.03%

Summer Dress (H&M, Zara, etc)

$52.1 $52.1

$41.11 $41.11

26.83%

Sport Shoes (Adidas, Nike)

$102 $102

$74.1 $74.1

37.02%

Men's Leather Business Shoes

$144 $144

$167 $167

-13.90%

1-bedroom Apartment, City Center (Monthly)

$2,526 $2,526

$2,829 $2,829

-10.70%

1-bedroom Apartment, Outside City Center (Monthly)

$1,578 $1,578

$2,227 $2,227

-29.13%

3-bedroom Apartment, City Center (Monthly)

$4,738 $4,738

$2,505 $2,505

89.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,693 $2,693

$2,096 $2,096

28.48%

Buy Apartment in City Center (m2)

$4,190 $4,190

$3,150 $3,150

33.01%

Buy Apartment Outside City Center (m2)

$2,768 $2,768

$2,140 $2,140

29.34%

Average Monthly Net Salary (After Tax)

$4,931 $4,931

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.64

2.56%

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

Last update for Chicago, IL: October 25, 2026

Last update for Ojai, CA: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.6K 52%

Ojai, CA

$2.2K 61.7% 41.1% $649

Groceries & Markets

Chicago, IL

$447 14.7%

Ojai, CA

$358 9.9% 20% $89

Eating Out

Chicago, IL

$345 11.4%

Ojai, CA

$379 10.5% 9.7% $34

Monthly Utilities & Internet

Chicago, IL

$326 10.7%

Ojai, CA

$354 9.8% 8.9% $29

Clothing & Footwear

Chicago, IL

$164 5.4%

Ojai, CA

$153 4.2% 6.7% $11

Getting Around

Chicago, IL

$93 3.1%

Ojai, CA

$77 2.1% 17.7% $17

Sport & Entertainment

Chicago, IL

$84 2.8%

Ojai, CA

$64 1.8% 23.7% $20

Cost Breakdown

A central one-bedroom costs $2,526 in Chicago, IL versus $2,829 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 $89 in Chicago, IL versus $51 in Ojai, CA. Monthly groceries follow the same trend: $447 vs $358 – making Ojai, CA the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Ojai, CA

🕒 Local time

20:02 8:02 PM

18:02 6:02 PM

2 h behind Chicago, IL

🌤 Weather

👥 Population

2,746,388

7,500

💱 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 Ojai, CA 2,870 km ≈ 4 h nonstop flight

From you

Chicago, IL
Ojai, CA

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 Ojai, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,037 in Chicago, IL, $3,611 in Ojai, CA – Chicago, IL comes out roughly 16% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,555 per month in Chicago, IL and $5,417 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: a one-bedroom in the center costs $2,526 there versus $2,829 in Ojai, CA.

Interestingly, groceries are about 20% cheaper in Ojai, CA – one category where the pricier city actually offers better value.

A mid-range dinner for two costs $89 in Chicago, IL and $51 in Ojai, CA. 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 $3,037 in Chicago, IL and $3,611 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 $3,037 in Chicago, IL to $3,611 in Ojai, CA. Climate, culture, job market, and personal taste all factor in.