Cost of Living Comparison Between Chicago, IL and Santa Monica, CA Cost of Living Comparison Between Chicago, IL and Santa Monica, CA

Monthly Cost of Living

A single person spends $3,077 per month in Chicago, IL vs $4,561 in Santa Monica, CA, rent included.

A couple spends around $4,628 per month in Chicago, IL vs $6,985 in Santa Monica, CA, rent included.

A family of three spends $6,179 per month in Chicago, IL vs $9,408 in Santa Monica, CA, rent included.

Chicago, IL is about 33% cheaper than Santa Monica, CA, driven mainly by Sport & Entertainment.

Both Chicago, IL and Santa Monica, CA sit above the global median – Chicago, IL by 130%, Santa Monica, CA by 240%.

Meal at Budget Restaurant

$20.91 $20.91

$25.17 $25.17

-16.92%

Three-Course Dinner for Two, Mid-Range

$98.1 $98.1

$98.5 $98.5

-0.34%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$12.35 $12.35

-3.97%

Cappuccino

$5.60 $5.60

$5.59 $5.59

0.18%

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

$3.07 $3.07

$2.95 $2.95

4.07%

Water (0.33 liter bottle)

$2.47 $2.47

$2.26 $2.26

9.29%

Local Beer (0.5 liter draught)

$7.14 $7.14

$8.61 $8.61

-17.07%

Imported Beer (0.33 liter bottle)

$8.08 $8.08

$9.24 $9.24

-12.55%

Milk (1 liter)

$1.05 $1.05

$1.18 $1.18

-11.02%

White Bread (500g)

$4.11 $4.11

$4.29 $4.29

-4.20%

Rice (white) (1kg)

$5.61 $5.61

$4.37 $4.37

28.38%

Eggs

$4.51 $4.51

$6.99 $6.99

-35.48%

Local Cheese (1kg)

$14.27 $14.27

$12.47 $12.47

14.43%

Chicken Fillets (1kg)

$14.89 $14.89

$13.90 $13.90

7.12%

Beef Round Steak (1kg)

$19.19 $19.19

$14.69 $14.69

30.63%

Apples (1kg)

$5.14 $5.14

$5.60 $5.60

-8.21%

Banana (1kg)

$1.77 $1.77

$1.98 $1.98

-10.61%

Oranges (1kg)

$4.39 $4.39

$3.96 $3.96

10.86%

Tomato (1kg)

$4.56 $4.56

$5.72 $5.72

-20.28%

Potato (1kg)

$2.54 $2.54

$2.97 $2.97

-14.48%

Onion (1kg)

$2.75 $2.75

$2.51 $2.51

9.56%

Lettuce (1 head)

$2.42 $2.42

$1.90 $1.90

27.37%

Water (1.5 liter bottle)

$2.62 $2.62

$2.16 $2.16

21.30%

Cigarettes 20 Pack (Marlboro, Camel)

$14.92 $14.92

$10.97 $10.97

36.01%

Wine (Bottle)

$14.80 $14.80

$15.15 $15.15

-2.31%

Local Beer (0.5 liter bottle)

$2.46 $2.46

$2.52 $2.52

-2.38%

Imported Beer (0.33 liter bottle)

$3.73 $3.73

$5.15 $5.15

-27.57%

One-way Ticket (Public Transport)

$2.48 $2.48

$2.18 $2.18

13.76%

Public Transport Monthly Pass (Regular Price)

$75.4 $75.4

$78.8 $78.8

-4.31%

Taxi Start (Normal Tariff)

$3.18 $3.18

$3.07 $3.07

3.58%

Taxi (Normal Tariff) (1km)

$1.42 $1.42

$1.71 $1.71

-16.96%

Taxi 1hour Waiting (Normal Tariff)

$24.94 $24.94

$28.91 $28.91

-13.73%

Gasoline (1 liter)

$1.06 $1.06

$1.30 $1.30

-18.46%

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

$31.9K $31.9K

$24.4K $24.4K

31.08%

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

$26.0K $26.0K

$25.2K $25.2K

3.49%

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

$185 $185

$192 $192

-3.56%

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

$61.7 $61.7

$58.9 $58.9

4.82%

Internet (50+ Mbps, Unlimited Data)

$66.9 $66.9

$65.8 $65.8

1.76%

Gym Membership (Monthly)

$75.2 $75.2

$122 $122

-38.40%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

$45.04 $45.04

-70.96%

Cinema Ticket

$14.71 $14.71

$18.15 $18.15

-18.95%

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

$2,020 $2,020

$1,806 $1,806

11.86%

International Primary School, 1 Child (Yearly)

$39.4K $39.4K

$14.8K $14.8K

165.72%

Jeans (Levis 501 Or Similar)

$64.6 $64.6

$62.3 $62.3

3.67%

Summer Dress (H&M, Zara, etc)

$52.5 $52.5

$34.90 $34.90

50.29%

Sport Shoes (Adidas, Nike)

$97.8 $97.8

$103 $103

-4.90%

Men's Leather Business Shoes

$148 $148

$152 $152

-3.17%

1-bedroom Apartment, City Center (Monthly)

$2,313 $2,313

$3,293 $3,293

-29.77%

1-bedroom Apartment, Outside City Center (Monthly)

$1,590 $1,590

$2,878 $2,878

-44.75%

3-bedroom Apartment, City Center (Monthly)

$4,608 $4,608

$6,994 $6,994

-34.11%

3-bedroom Apartment, Outside City Center (Monthly)

$2,779 $2,779

$5,951 $5,951

-53.31%

Buy Apartment in City Center (m2)

$3,922 $3,922

$10.8K $10.8K

-63.80%

Buy Apartment Outside City Center (m2)

$2,613 $2,613

$8,190 $8,190

-68.10%

Average Monthly Net Salary (After Tax)

$5,217 $5,217

$7,147 $7,147

-27.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.49

1.69%

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

Last update for Chicago, IL: May 30, 2026

Last update for Santa Monica, CA: June 1, 2026

Cost Breakdown

A central one-bedroom costs $2,313 in Chicago, IL versus $3,293 in Santa Monica, CA. 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 37% higher in Santa Monica, CA, 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 $98.0 in Chicago, IL versus $98.0 in Santa Monica, CA. Groceries tell a different story – $447 in Chicago, IL vs $436 in Santa Monica, CA – so Santa Monica, CA wins on supermarket bills even if dining out costs more.

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 Santa Monica, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,077 in Chicago, IL, $4,561 in Santa Monica, CA – roughly 48% apart. Santa Monica, CA costs more across the board, with Sport & Entertainment showing the biggest gap.

For a comfortable life, plan on about $4,616 per month in Chicago, IL and $6,842 in Santa Monica, 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 2% cheaper in Santa Monica, CA – 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 $98.0 in Chicago, IL and $98.0 in Santa Monica, 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 $3,077 in Chicago, IL and $4,561 in Santa Monica, 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 $3,077 in Chicago, IL to $4,561 in Santa Monica, CA. 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 Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Santa Monica, CA makes more sense. Both are solid long-term options with distinct trade-offs.