Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Passaic, NJ

For one person, living is cheaper in Passaic, NJ: $2,737 a month against $3,139 in Chicago, IL, rent and utilities included – about $4,800 less a year. Rent and utilities account for most of the difference.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
133

Cost of Living Index in Passaic, NJ
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Passaic, NJ Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Passaic, NJ

🇺🇸 United States

$2,737

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Passaic, NJ

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 Passaic, NJ actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,737 in Passaic, NJ, rent included.

Chicago, IL $3,139
Passaic, NJ $2,737

A couple spends around $4,627 per month in Chicago, IL vs $4,186 in Passaic, NJ, rent included.

Chicago, IL $4,627
Passaic, NJ $4,186

A family of three spends $6,115 per month in Chicago, IL vs $5,634 in Passaic, NJ, rent included.

Chicago, IL $6,115
Passaic, NJ $5,634

Chicago, IL costs about 15% more than Passaic, NJ, and outside of rent the biggest gap is in transport.

Both Chicago, IL and Passaic, NJ sit above the global median – Chicago, IL by 132%, Passaic, NJ by 102%.

Meal at Budget Restaurant

$20.65 $20.65

$18.76 $18.76

10.07%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$79.1 $79.1

14.09%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$13.18 $13.18

-1.82%

Cappuccino

$5.60 $5.60

$6.27 $6.27

-10.69%

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

$2.64 $2.64

$2.53 $2.53

4.35%

Water (0.33 liter bottle)

$2.27 $2.27

$1.52 $1.52

49.34%

Local Beer (0.5 liter draught)

$6.98 $6.98

$7.87 $7.87

-11.31%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$7.16 $7.16

23.32%

Milk (1 liter)

$1.27 $1.27

$1.32 $1.32

-3.79%

White Bread (500g)

$3.80 $3.80

$4.36 $4.36

-12.84%

Rice (white) (1kg)

$5.30 $5.30

$6.22 $6.22

-14.79%

Eggs

$4.76 $4.76

$6.20 $6.20

-23.23%

Local Cheese (1kg)

$13.96 $13.96

$19.19 $19.19

-27.25%

Chicken Fillets (1kg)

$14.61 $14.61

$10.40 $10.40

40.48%

Beef Round Steak (1kg)

$18.77 $18.77

$18.83 $18.83

-0.32%

Apples (1kg)

$5.19 $5.19

$6.11 $6.11

-15.06%

Banana (1kg)

$1.98 $1.98

$2.14 $2.14

-7.48%

Oranges (1kg)

$3.93 $3.93

$4.39 $4.39

-10.48%

Tomato (1kg)

$4.96 $4.96

$5.36 $5.36

-7.46%

Potato (1kg)

$2.76 $2.76

$4.06 $4.06

-32.02%

Onion (1kg)

$2.76 $2.76

$4.34 $4.34

-36.41%

Lettuce (1 head)

$2.22 $2.22

$3.06 $3.06

-27.45%

Water (1.5 liter bottle)

$2.98 $2.98

$2.93 $2.93

1.71%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$14.77 $14.77

-5.08%

Wine (Bottle)

$15.28 $15.28

$15.19 $15.19

0.59%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.79 $1.79

44.13%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$3.64 $3.64

-3.85%

One-way Ticket (Public Transport)

$2.47 $2.47

$1.95 $1.95

26.67%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

$120 $120

-37.95%

Taxi Start (Normal Tariff)

$3.34 $3.34

$2.97 $2.97

12.46%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$2.23 $2.23

-35.87%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$41.30 $41.30

-41.11%

Gasoline (1 liter)

$1.26 $1.26

$1.14 $1.14

10.53%

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

$35.0K $35.0K

$27.9K $27.9K

25.36%

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

$26.1K $26.1K

$26.0K $26.0K

0.10%

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

$193 $193

$174 $174

10.86%

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

$68.3 $68.3

$50.6 $50.6

34.80%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$50.8 $50.8

20.72%

Gym Membership (Monthly)

$54.1 $54.1

$41.15 $41.15

31.52%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$20.62 $20.62

-13.97%

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

$1,652 $1,652

$1,988 $1,988

-16.90%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$16.1K $16.1K

93.22%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$50.2 $50.2

31.67%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$51.7 $51.7

-0.91%

Sport Shoes (Adidas, Nike)

$100 $100

$87.9 $87.9

13.93%

Men's Leather Business Shoes

$141 $141

$103 $103

36.58%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,816 $1,816

34.68%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$1,295 $1,295

29.55%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,533 $2,533

86.22%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$2,403 $2,403

16.35%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,576 $2,576

59.35%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$2,362 $2,362

12.16%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$3,739 $3,739

30.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.8

0.15%

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

Last update for Chicago, IL: October 19, 2026

Last update for Passaic, NJ: October 20, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Passaic, NJ

$1.3K 47.3% 22.8% $383

Groceries & Markets

Chicago, IL

$449 14.3%

Passaic, NJ

$475 17.4% 5.8% $26

Eating Out

Chicago, IL

$343 10.9%

Passaic, NJ

$335 12.2% 2.6% $8.8

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Passaic, NJ

$275 10.1% 14.6% $47

Clothing & Footwear

Chicago, IL

$161 5.1%

Passaic, NJ

$132 4.8% 18.3% $29

Getting Around

Chicago, IL

$95 3%

Passaic, NJ

$142 5.2% 49.7% $47

Sport & Entertainment

Chicago, IL

$90 2.9%

Passaic, NJ

$82 3% 8.1% $7.2

Cost Breakdown

A central one-bedroom costs $2,446 in Chicago, IL versus $1,816 in Passaic, NJ. 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 30% higher in Chicago, IL, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $90.0 in Chicago, IL versus $79.0 in Passaic, NJ. Groceries tell a different story – $449 in Chicago, IL vs $475 in Passaic, NJ – so Chicago, IL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Passaic, NJ

🕒 Local time

00:22 12:22 AM

01:22 1:22 AM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

67,974

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

Chicago, IL Passaic, NJ 1,130 km ≈ 2 h nonstop flight

From you

Chicago, IL
Passaic, NJ

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 Passaic, NJ: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,737 in Passaic, NJ – roughly 15% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $4,105 in Passaic, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Passaic, NJ, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

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 $90.0 in Chicago, IL and $79.0 in Passaic, NJ. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $3,139 in Chicago, IL and $2,737 in Passaic, NJ. 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 $2,737 in Passaic, NJ to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Passaic, NJ. 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.