Cost of Living Comparison Between Chicago, IL and Saratoga, CA Cost of Living Comparison Between Chicago, IL and Saratoga, CA

Monthly Cost of Living

A single person spends $3,051 per month in Chicago, IL vs $2,819 in Saratoga, CA, rent included.

A couple spends around $4,638 per month in Chicago, IL vs $4,175 in Saratoga, CA, rent included.

A family of three spends $6,224 per month in Chicago, IL vs $5,531 in Saratoga, CA, rent included.

Chicago, IL costs about 8% more than Saratoga, CA, driven mainly by Groceries & Markets.

Both Chicago, IL and Saratoga, CA sit above the global median – Chicago, IL by 128%, Saratoga, CA by 110%.

Meal at Budget Restaurant

$20.67 $20.67

$20.54 $20.54

0.63%

Three-Course Dinner for Two, Mid-Range

$100 $100

$78.8 $78.8

27.45%

Fast Food Meal (McDonalds, etc)

$11.86 $11.86

$11.71 $11.71

1.28%

Cappuccino

$5.54 $5.54

$5.88 $5.88

-5.78%

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

$3.06 $3.06

$3.22 $3.22

-4.97%

Water (0.33 liter bottle)

$2.48 $2.48

$2.38 $2.38

4.20%

Local Beer (0.5 liter draught)

$6.92 $6.92

$6.81 $6.81

1.62%

Imported Beer (0.33 liter bottle)

$8.13 $8.13

$7.52 $7.52

8.11%

Milk (1 liter)

$1.04 $1.04

$1.36 $1.36

-23.53%

White Bread (500g)

$3.91 $3.91

$4.79 $4.79

-18.37%

Rice (white) (1kg)

$5.42 $5.42

$3.29 $3.29

64.74%

Eggs

$4.48 $4.48

$5.01 $5.01

-10.58%

Local Cheese (1kg)

$14.52 $14.52

$30.59 $30.59

-52.53%

Chicken Fillets (1kg)

$15.21 $15.21

$15.35 $15.35

-0.91%

Beef Round Steak (1kg)

$19.25 $19.25

$23.44 $23.44

-17.88%

Apples (1kg)

$5.39 $5.39

$6.08 $6.08

-11.35%

Banana (1kg)

$1.69 $1.69

$2.48 $2.48

-31.85%

Oranges (1kg)

$4.32 $4.32

$4.79 $4.79

-9.81%

Tomato (1kg)

$4.51 $4.51

$6.79 $6.79

-33.58%

Potato (1kg)

$2.56 $2.56

$3.60 $3.60

-28.89%

Onion (1kg)

$2.70 $2.70

$4.45 $4.45

-39.33%

Lettuce (1 head)

$2.41 $2.41

$2.99 $2.99

-19.40%

Water (1.5 liter bottle)

$2.62 $2.62

$2.81 $2.81

-6.76%

Cigarettes 20 Pack (Marlboro, Camel)

$15.02 $15.02

$11.10 $11.10

35.32%

Wine (Bottle)

$14.71 $14.71

$12.16 $12.16

20.97%

Local Beer (0.5 liter bottle)

$2.48 $2.48

$2.17 $2.17

14.29%

Imported Beer (0.33 liter bottle)

$3.69 $3.69

$2.72 $2.72

35.66%

One-way Ticket (Public Transport)

$2.55 $2.55

$1.98 $1.98

28.79%

Public Transport Monthly Pass (Regular Price)

$75.5 $75.5

Taxi Start (Normal Tariff)

$3.29 $3.29

$3.60 $3.60

-8.61%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.85 $1.85

-22.70%

Taxi 1hour Waiting (Normal Tariff)

$24.72 $24.72

$29.52 $29.52

-16.26%

Gasoline (1 liter)

$1.09 $1.09

$1.31 $1.31

-16.79%

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

$31.8K $31.8K

$30.3K $30.3K

4.80%

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

$26.4K $26.4K

$26.6K $26.6K

-0.54%

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

$183 $183

$293 $293

-37.50%

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

$61.8 $61.8

$46.22 $46.22

33.77%

Internet (50+ Mbps, Unlimited Data)

$65.0 $65.0

$68.2 $68.2

-4.69%

Gym Membership (Monthly)

$76.1 $76.1

$42.71 $42.71

78.13%

Tennis Court (1 Hour on Weekend)

$13.04 $13.04

Cinema Ticket

$14.75 $14.75

$15.53 $15.53

-5.02%

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

$2,056 $2,056

$1,992 $1,992

3.25%

International Primary School, 1 Child (Yearly)

$38.5K $38.5K

$25.9K $25.9K

48.62%

Jeans (Levis 501 Or Similar)

$63.9 $63.9

$63.8 $63.8

0.28%

Summer Dress (H&M, Zara, etc)

$51.6 $51.6

$44.45 $44.45

16.06%

Sport Shoes (Adidas, Nike)

$97.3 $97.3

$79.9 $79.9

21.74%

Men's Leather Business Shoes

$147 $147

$116 $116

27.06%

1-bedroom Apartment, City Center (Monthly)

$2,349 $2,349

$1,583 $1,583

48.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,581 $1,581

$1,345 $1,345

17.54%

3-bedroom Apartment, City Center (Monthly)

$4,708 $4,708

$2,605 $2,605

80.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,716 $2,716

$2,186 $2,186

24.21%

Buy Apartment in City Center (m2)

$3,976 $3,976

$3,028 $3,028

31.32%

Buy Apartment Outside City Center (m2)

$2,632 $2,632

$2,130 $2,130

23.57%

Average Monthly Net Salary (After Tax)

$4,723 $4,723

$7,925 $7,925

-40.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.6

6.51

1.38%

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

Last update for Chicago, IL: April 20, 2026

Last update for Saratoga, CA: April 20, 2026

Cost Breakdown

A central one-bedroom costs $2,349 in Chicago, IL versus $1,583 in Saratoga, 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 68% higher in Saratoga, CA, 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 $79 in Saratoga, CA. Groceries tell a different story – $447 in Chicago, IL vs $538 in Saratoga, CA – so Chicago, IL 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 Saratoga, CA: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,051 in Chicago, IL, $2,819 in Saratoga, CA – roughly 8% 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 $4,228 in Saratoga, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Saratoga, CA, 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 $79.0 in Saratoga, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 20% cheaper in Chicago, IL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,000 is a stretch for both – monthly costs hit $3,051 in Chicago, IL and $2,819 in Saratoga, 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 $2,819 in Saratoga, CA to $3,051 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 Saratoga, CA. 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.