Cost of Living Comparison Between Chicago, IL and Plano, TX Cost of Living Comparison Between Chicago, IL and Plano, TX

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $2,770 in Plano, TX, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $4,302 in Plano, TX, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $5,835 in Plano, TX, rent included.

Chicago, IL costs about 10% more than Plano, TX, driven mainly by Eating Out.

Both Chicago, IL and Plano, TX sit above the global median – Chicago, IL by 128%, Plano, TX by 107%.

Meal at Budget Restaurant

$20.67 $20.67

$17.67 $17.67

16.98%

Three-Course Dinner for Two, Mid-Range

$100 $100

$74.3 $74.3

35.14%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$10.14 $10.14

16.96%

Cappuccino

$5.54 $5.54

$4.71 $4.71

17.62%

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

$3.06 $3.06

$2.48 $2.48

23.39%

Water (0.33 liter bottle)

$2.48 $2.48

$1.97 $1.97

25.89%

Local Beer (0.5 liter draught)

$6.92 $6.92

$5.98 $5.98

15.72%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$6.87 $6.87

18.34%

Milk (1 liter)

$1.04 $1.04

$1.00 $1.00

4.00%

White Bread (500g)

$3.91 $3.91

$2.98 $2.98

31.21%

Rice (white) (1kg)

$5.42 $5.42

$5.02 $5.02

7.97%

Eggs

$4.48 $4.48

$4.17 $4.17

7.43%

Local Cheese (1kg)

$14.52 $14.52

$13.22 $13.22

9.83%

Chicken Fillets (1kg)

$15.21 $15.21

$13.95 $13.95

9.03%

Beef Round Steak (1kg)

$19.25 $19.25

$17.20 $17.20

11.92%

Apples (1kg)

$5.39 $5.39

$6.22 $6.22

-13.34%

Banana (1kg)

$1.69 $1.69

$1.41 $1.41

19.86%

Oranges (1kg)

$4.32 $4.32

$4.42 $4.42

-2.26%

Tomato (1kg)

$4.51 $4.51

$4.03 $4.03

11.91%

Potato (1kg)

$2.56 $2.56

$3.63 $3.63

-29.48%

Onion (1kg)

$2.70 $2.70

$3.03 $3.03

-10.89%

Lettuce (1 head)

$2.41 $2.41

$2.05 $2.05

17.56%

Water (1.5 liter bottle)

$2.62 $2.62

$2.36 $2.36

11.02%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$9.95 $9.95

50.95%

Wine (Bottle)

$14.71 $14.71

$15.26 $15.26

-3.60%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$1.69 $1.69

46.75%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$3.34 $3.34

10.48%

One-way Ticket (Public Transport)

$2.55 $2.55

$4.92 $4.92

-48.17%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

$105 $105

-27.82%

Taxi Start (Normal Tariff)

$3.29 $3.29

$3.07 $3.07

7.17%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.71 $1.71

-16.37%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$23.54 $23.54

5.01%

Gasoline (1 liter)

$1.09 $1.09

$0.74 $0.74

47.30%

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

$31.8K $31.8K

$34.3K $34.3K

-7.46%

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

$26.4K $26.4K

$28.6K $28.6K

-7.41%

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

$183 $183

$190 $190

-3.38%

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

$61.8 $61.8

$45.43 $45.43

36.10%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$63.2 $63.2

2.94%

Gym Membership (Monthly)

$76.1 $76.1

$81.3 $81.3

-6.46%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

$50.4 $50.4

-74.11%

Cinema Ticket

$14.75 $14.75

$13.00 $13.00

13.46%

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

$2,056 $2,056

$1,160 $1,160

77.25%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$17.7K $17.7K

117.74%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$54.5 $54.5

17.30%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$37.87 $37.87

36.23%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$101 $101

-3.71%

Men's Leather Business Shoes

$147 $147

$130 $130

13.14%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,608 $1,608

46.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$1,339 $1,339

18.09%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,985 $2,985

57.74%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,746 $2,746

-1.10%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,332 $2,332

70.51%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,394 $2,394

9.91%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

$5,670 $5,670

-16.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.36

3.77%

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

Last update for Chicago, IL: April 20, 2026

Last update for Plano, TX: April 21, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,608 in Plano, TX. 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 20% higher in Plano, TX, 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 $74 in Plano, TX. Monthly groceries follow the same trend: $447 vs $414 – making Plano, TX 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 Plano, TX: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $2,770 in Plano, TX – roughly 10% apart. Chicago, IL costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $4,577 per month in Chicago, IL and $4,156 in Plano, TX. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 8% 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 $74.0 in Plano, TX. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,500 is a stretch for both – monthly costs hit $3,051 in Chicago, IL and $2,770 in Plano, TX. 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 $2,770 in Plano, TX to $3,051 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Plano, TX. 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.