Cost of Living Comparison Between Chicago, IL and Saint Joseph, MI Cost of Living Comparison Between Chicago, IL and Saint Joseph, MI

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $1,942 in Saint Joseph, MI, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $3,037 in Saint Joseph, MI, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $4,132 in Saint Joseph, MI, rent included.

Chicago, IL costs about 57% more than Saint Joseph, MI, driven mainly by Groceries & Markets.

Both Chicago, IL and Saint Joseph, MI sit above the global median – Chicago, IL by 128%, Saint Joseph, MI by 45%.

Meal at Budget Restaurant

$20.67 $20.67

$16.03 $16.03

28.95%

Three-Course Dinner for Two, Mid-Range

$100 $100

$60.8 $60.8

65.28%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$9.24 $9.24

28.35%

Cappuccino

$5.54 $5.54

$4.08 $4.08

35.78%

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

$3.06 $3.06

$2.36 $2.36

29.66%

Water (0.33 liter bottle)

$2.48 $2.48

$1.62 $1.62

53.09%

Local Beer (0.5 liter draught)

$6.92 $6.92

$4.08 $4.08

69.61%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$5.58 $5.58

45.70%

Milk (1 liter)

$1.04 $1.04

$0.76 $0.76

36.84%

White Bread (500g)

$3.91 $3.91

$3.00 $3.00

30.33%

Rice (white) (1kg)

$5.42 $5.42

$4.92 $4.92

10.16%

Eggs

$4.48 $4.48

$3.97 $3.97

12.85%

Local Cheese (1kg)

$14.52 $14.52

$10.97 $10.97

32.36%

Chicken Fillets (1kg)

$15.21 $15.21

$10.51 $10.51

44.72%

Beef Round Steak (1kg)

$19.25 $19.25

$8.61 $8.61

123.58%

Apples (1kg)

$5.39 $5.39

$5.44 $5.44

-0.92%

Banana (1kg)

$1.69 $1.69

$1.21 $1.21

39.67%

Oranges (1kg)

$4.32 $4.32

$5.35 $5.35

-19.25%

Tomato (1kg)

$4.51 $4.51

$5.42 $5.42

-16.79%

Potato (1kg)

$2.56 $2.56

$3.70 $3.70

-30.81%

Onion (1kg)

$2.70 $2.70

$4.53 $4.53

-40.40%

Lettuce (1 head)

$2.41 $2.41

$2.02 $2.02

19.31%

Water (1.5 liter bottle)

$2.62 $2.62

$1.48 $1.48

77.03%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$8.47 $8.47

77.33%

Wine (Bottle)

$14.71 $14.71

$8.01 $8.01

83.65%

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

$3.73 $3.73

-1.07%

One-way Ticket (Public Transport)

$2.55 $2.55

$2.01 $2.01

26.87%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

Taxi Start (Normal Tariff)

$3.29 $3.29

$5.07 $5.07

-35.11%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.56 $1.56

-8.33%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$49.70 $49.70

-50.26%

Gasoline (1 liter)

$1.09 $1.09

$0.85 $0.85

28.24%

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

$31.8K $31.8K

$23.6K $23.6K

34.80%

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

$26.4K $26.4K

$30.1K $30.1K

-12.25%

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

$183 $183

$191 $191

-3.99%

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

$61.8 $61.8

$57.3 $57.3

7.96%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$70.0 $70.0

-7.03%

Gym Membership (Monthly)

$76.1 $76.1

$39.52 $39.52

92.51%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$10.34 $10.34

42.65%

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

$2,056 $2,056

$933 $933

120.39%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$23.6K $23.6K

63.25%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$40.07 $40.07

59.55%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$48.32 $48.32

6.77%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$74.0 $74.0

31.41%

Men's Leather Business Shoes

$147 $147

$75.7 $75.7

94.46%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,065 $1,065

120.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$839 $839

88.36%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$1,919 $1,919

145.41%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$1,774 $1,774

53.11%

Buy Apartment in City Center (m2)

$3,976 $3,976

$2,745 $2,745

44.83%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,639 $2,639

-0.29%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

$4,798 $4,798

-1.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

5.9

11.86%

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

Last update for Chicago, IL: April 20, 2026

Last update for Saint Joseph, MI: April 22, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,065 in Saint Joseph, MI. 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 2% higher in Saint Joseph, MI, 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 $61 in Saint Joseph, MI. Monthly groceries follow the same trend: $447 vs $346 – making Saint Joseph, MI 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 Joseph, MI: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $1,942 in Saint Joseph, MI – roughly 57% apart. Chicago, IL 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 $2,914 in Saint Joseph, MI. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saint Joseph, MI, 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 $61.0 in Saint Joseph, MI. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 29% 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 $2,000 monthly budget goes further in Saint Joseph, MI, where all-in costs run around $1,942, than in Chicago, IL at $3,051. In Saint Joseph, MI 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 $1,942 in Saint Joseph, MI to $3,051 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Saint Joseph, MI. 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.