Cost of Living Comparison Between Chicago, IL and Saint Charles, MO Cost of Living Comparison Between Chicago, IL and Saint Charles, MO

Monthly Cost of Living

A single person spends $3,009 per month in Chicago, IL vs $1,930 in Saint Charles, MO, rent included.

A couple spends around $4,593 per month in Chicago, IL vs $3,052 in Saint Charles, MO, rent included.

A family of three spends $6,177 per month in Chicago, IL vs $4,173 in Saint Charles, MO, rent included.

Chicago, IL costs about 56% more than Saint Charles, MO, driven mainly by Groceries & Markets.

Both Chicago, IL and Saint Charles, MO sit above the global median – Chicago, IL by 125%, Saint Charles, MO by 44%.

Meal at Budget Restaurant

$20.35 $20.35

$15.27 $15.27

33.27%

Three-Course Dinner for Two, Mid-Range

$102 $102

$50.8 $50.8

100.24%

Fast Food Meal (McDonalds, etc)

$11.98 $11.98

$10.88 $10.88

10.11%

Cappuccino

$5.70 $5.70

$3.89 $3.89

46.53%

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

$3.00 $3.00

$2.19 $2.19

36.99%

Water (0.33 liter bottle)

$2.46 $2.46

$1.52 $1.52

61.84%

Local Beer (0.5 liter draught)

$6.87 $6.87

$5.48 $5.48

25.36%

Imported Beer (0.33 liter bottle)

$8.09 $8.09

$5.86 $5.86

38.05%

Milk (1 liter)

$1.03 $1.03

$0.73 $0.73

41.10%

White Bread (500g)

$3.95 $3.95

$2.18 $2.18

81.19%

Rice (white) (1kg)

$5.42 $5.42

$2.74 $2.74

97.81%

Eggs

$4.50 $4.50

$2.77 $2.77

62.45%

Local Cheese (1kg)

$14.53 $14.53

$11.40 $11.40

27.46%

Chicken Fillets (1kg)

$14.89 $14.89

$6.15 $6.15

142.11%

Beef Round Steak (1kg)

$18.98 $18.98

$13.48 $13.48

40.80%

Apples (1kg)

$5.39 $5.39

$3.16 $3.16

70.57%

Banana (1kg)

$1.77 $1.77

$1.54 $1.54

14.94%

Oranges (1kg)

$4.35 $4.35

$3.45 $3.45

26.09%

Tomato (1kg)

$4.53 $4.53

$3.33 $3.33

36.04%

Potato (1kg)

$2.53 $2.53

$1.10 $1.10

130.00%

Onion (1kg)

$2.81 $2.81

$2.40 $2.40

17.08%

Lettuce (1 head)

$2.51 $2.51

$1.48 $1.48

69.59%

Water (1.5 liter bottle)

$2.67 $2.67

$1.52 $1.52

75.66%

Cigarettes 20 Pack (Marlboro, Camel)

$14.88 $14.88

$10.33 $10.33

44.05%

Wine (Bottle)

$15.22 $15.22

$14.79 $14.79

2.91%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$2.14 $2.14

14.95%

Imported Beer (0.33 liter bottle)

$3.53 $3.53

$3.95 $3.95

-10.63%

One-way Ticket (Public Transport)

$2.56 $2.56

$4.97 $4.97

-48.49%

Public Transport Monthly Pass (Regular Price)

$74.3 $74.3

Taxi Start (Normal Tariff)

$3.19 $3.19

$3.45 $3.45

-7.54%

Taxi (Normal Tariff) (1km)

$1.41 $1.41

$1.52 $1.52

-7.24%

Taxi 1hour Waiting (Normal Tariff)

$25.49 $25.49

$50.7 $50.7

-49.68%

Gasoline (1 liter)

$1.04 $1.04

$0.93 $0.93

11.83%

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

$32.2K $32.2K

$29.9K $29.9K

7.88%

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

$26.8K $26.8K

$22.7K $22.7K

17.68%

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

$184 $184

$216 $216

-14.75%

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

$63.1 $63.1

$41.44 $41.44

52.29%

Internet (50+ Mbps, Unlimited Data)

$66.4 $66.4

$62.5 $62.5

6.32%

Gym Membership (Monthly)

$75.9 $75.9

$50.7 $50.7

49.84%

Tennis Court (1 Hour on Weekend)

$13.06 $13.06

Cinema Ticket

$15.25 $15.25

$12.01 $12.01

26.98%

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

$2,090 $2,090

$989 $989

111.27%

International Primary School, 1 Child (Yearly)

$39.2K $39.2K

$23.2K $23.2K

69.09%

Jeans (Levis 501 Or Similar)

$64.2 $64.2

$44.75 $44.75

43.46%

Summer Dress (H&M, Zara, etc)

$51.0 $51.0

$40.49 $40.49

25.96%

Sport Shoes (Adidas, Nike)

$97.2 $97.2

$85.6 $85.6

13.46%

Men's Leather Business Shoes

$149 $149

$99.2 $99.2

49.68%

1-bedroom Apartment, City Center (Monthly)

$2,341 $2,341

$1,527 $1,527

53.24%

1-bedroom Apartment, Outside City Center (Monthly)

$1,572 $1,572

$809 $809

94.39%

3-bedroom Apartment, City Center (Monthly)

$4,741 $4,741

$1,714 $1,714

176.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,819 $2,819

$1,934 $1,934

45.80%

Buy Apartment in City Center (m2)

$3,900 $3,900

Buy Apartment Outside City Center (m2)

$2,638 $2,638

Average Monthly Net Salary (After Tax)

$4,769 $4,769

$4,505 $4,505

5.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.56

0.61%

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

Last update for Chicago, IL: April 25, 2026

Last update for Saint Charles, MO: April 27, 2026

Cost Breakdown

A central one-bedroom costs $2,341 in Chicago, IL versus $1,527 in Saint Charles, MO. 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 6% 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 $102 in Chicago, IL versus $51.0 in Saint Charles, MO. Monthly groceries follow the same trend: $447 vs $292 – making Saint Charles, MO 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 Saint Charles, MO: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,009 in Chicago, IL, $1,930 in Saint Charles, MO – roughly 56% apart. Chicago, IL costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,513 per month in Chicago, IL and $2,895 in Saint Charles, MO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Charles, MO, 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 $102 in Chicago, IL and $51.0 in Saint Charles, MO. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 53% 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 $3,000 monthly budget goes further in Saint Charles, MO, where all-in costs run around $1,930, than in Chicago, IL at $3,009. In Saint Charles, MO it covers expenses comfortably, while in Chicago, IL it requires careful planning or may not stretch far enough.

It depends on your priorities. Chicago, IL has an edge in some lifestyle areas, with costs from $1,930 in Saint Charles, MO to $3,009 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 Saint Charles, MO. 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.