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

Monthly Cost of Living

A single person spends $3,117 per month in Chicago, IL vs $3,418 in Santa Rosa, CA, rent included.

A couple spends around $4,695 per month in Chicago, IL vs $5,002 in Santa Rosa, CA, rent included.

A family of three spends $6,273 per month in Chicago, IL vs $6,586 in Santa Rosa, CA, rent included.

Chicago, IL is about 9% cheaper than Santa Rosa, CA, driven mainly by Eating Out.

Both Chicago, IL and Santa Rosa, CA sit above the global median – Chicago, IL by 128%, Santa Rosa, CA by 150%.

Meal at Budget Restaurant

$19.92 $19.92

$25.32 $25.32

-21.33%

Three-Course Dinner for Two, Mid-Range

$88.5 $88.5

$100 $100

-11.90%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$11.91 $11.91

8.65%

Cappuccino

$5.54 $5.54

$6.47 $6.47

-14.37%

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

$2.74 $2.74

$3.37 $3.37

-18.69%

Water (0.33 liter bottle)

$2.36 $2.36

$3.24 $3.24

-27.16%

Local Beer (0.5 liter draught)

$7.12 $7.12

$8.04 $8.04

-11.44%

Imported Beer (0.33 liter bottle)

$8.73 $8.73

$9.02 $9.02

-3.22%

Milk (1 liter)

$1.34 $1.34

$1.49 $1.49

-10.07%

White Bread (500g)

$4.17 $4.17

$4.47 $4.47

-6.71%

Rice (white) (1kg)

$5.73 $5.73

$4.80 $4.80

19.38%

Eggs

$4.89 $4.89

$5.50 $5.50

-11.09%

Local Cheese (1kg)

$14.77 $14.77

$22.81 $22.81

-35.25%

Chicken Fillets (1kg)

$14.85 $14.85

$14.49 $14.49

2.48%

Beef Round Steak (1kg)

$19.61 $19.61

$19.98 $19.98

-1.85%

Apples (1kg)

$5.57 $5.57

$5.83 $5.83

-4.46%

Banana (1kg)

$1.92 $1.92

$2.76 $2.76

-30.43%

Oranges (1kg)

$4.17 $4.17

$6.78 $6.78

-38.50%

Tomato (1kg)

$4.86 $4.86

$6.77 $6.77

-28.21%

Potato (1kg)

$2.84 $2.84

$3.79 $3.79

-25.07%

Onion (1kg)

$2.80 $2.80

$3.84 $3.84

-27.08%

Lettuce (1 head)

$2.20 $2.20

$3.12 $3.12

-29.49%

Water (1.5 liter bottle)

$3.06 $3.06

$2.00 $2.00

53.00%

Cigarettes 20 Pack (Marlboro, Camel)

$16.16 $16.16

$11.78 $11.78

37.18%

Wine (Bottle)

$14.82 $14.82

$13.94 $13.94

6.31%

Local Beer (0.5 liter bottle)

$2.53 $2.53

$2.08 $2.08

21.63%

Imported Beer (0.33 liter bottle)

$3.35 $3.35

$2.16 $2.16

55.09%

One-way Ticket (Public Transport)

$2.55 $2.55

$1.48 $1.48

72.30%

Public Transport Monthly Pass (Regular Price)

$75.6 $75.6

$44.80 $44.80

68.68%

Taxi Start (Normal Tariff)

$3.30 $3.30

$3.99 $3.99

-17.29%

Taxi (Normal Tariff) (1km)

$1.36 $1.36

$1.86 $1.86

-26.88%

Taxi 1hour Waiting (Normal Tariff)

$25.12 $25.12

$28.55 $28.55

-12.01%

Gasoline (1 liter)

$1.17 $1.17

$1.40 $1.40

-16.43%

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

$36.0K $36.0K

$37.6K $37.6K

-4.31%

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

$26.2K $26.2K

$27.9K $27.9K

-6.05%

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

$191 $191

-0.02%

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

$67.9 $67.9

$49.89 $49.89

36.14%

Internet (50+ Mbps, Unlimited Data)

$61.7 $61.7

$71.2 $71.2

-13.30%

Gym Membership (Monthly)

$63.5 $63.5

$70.6 $70.6

-10.09%

Tennis Court (1 Hour on Weekend)

$27.14 $27.14

$13.91 $13.91

95.11%

Cinema Ticket

$18.02 $18.02

$14.75 $14.75

22.17%

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

$1,522 $1,522

$1,284 $1,284

18.51%

International Primary School, 1 Child (Yearly)

$31.3K $31.3K

$40.7K $40.7K

-23.11%

Jeans (Levis 501 Or Similar)

$63.7 $63.7

$52.9 $52.9

20.42%

Summer Dress (H&M, Zara, etc)

$55.3 $55.3

$40.44 $40.44

36.62%

Sport Shoes (Adidas, Nike)

$100 $100

$113 $113

-11.35%

Men's Leather Business Shoes

$153 $153

$124 $124

23.36%

1-bedroom Apartment, City Center (Monthly)

$2,406 $2,406

$2,448 $2,448

-1.70%

1-bedroom Apartment, Outside City Center (Monthly)

$1,653 $1,653

$1,912 $1,912

-13.56%

3-bedroom Apartment, City Center (Monthly)

$4,577 $4,577

$3,690 $3,690

24.03%

3-bedroom Apartment, Outside City Center (Monthly)

$2,771 $2,771

$3,019 $3,019

-8.19%

Buy Apartment in City Center (m2)

$4,031 $4,031

$4,686 $4,686

-13.97%

Buy Apartment Outside City Center (m2)

$2,745 $2,745

$4,700 $4,700

-41.60%

Average Monthly Net Salary (After Tax)

$4,804 $4,804

$4,705 $4,705

2.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.38

6.12

4.25%

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

Last update for Chicago, IL: September 13, 2026

Last update for Santa Rosa, CA: September 14, 2026

Cost Breakdown

A central one-bedroom costs $2,406 in Chicago, IL versus $2,448 in Santa Rosa, 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 2% higher in Chicago, IL, 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 $88.0 in Chicago, IL versus $100 in Santa Rosa, CA. Monthly groceries follow the same trend: $464 vs $506 – making Chicago, IL 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 Santa Rosa, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,117 in Chicago, IL, $3,418 in Santa Rosa, CA – roughly 10% apart. Santa Rosa, CA costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $4,676 per month in Chicago, IL and $5,126 in Santa Rosa, 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.

Groceries cost about 9% more in Santa Rosa, CA, 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 $88.0 in Chicago, IL and $100 in Santa Rosa, 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 $3,117 in Chicago, IL and $3,418 in Santa Rosa, 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 $3,117 in Chicago, IL to $3,418 in Santa Rosa, CA. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Santa Rosa, CA makes more sense. Both are solid long-term options with distinct trade-offs.