Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and Sebring, FL

For one person, living is cheaper in Sebring, FL: $1,963 a month against $3,139 in Chicago, IL, rent and utilities included – about $14,100 less a year. Rent and utilities account for most of the difference.

152

Cost of Living Index in Chicago, IL
Learn more

Chicago, IL Living Index
95

Cost of Living Index in Sebring, FL
Learn more

Sebring, FL Living Index

Jump to prices

Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Sebring, FL

🇺🇸 United States

$1,963

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in Sebring, FL

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chicago, IL and in Sebring, FL actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $1,963 in Sebring, FL, rent included.

Chicago, IL $3,139
Sebring, FL $1,963

A couple spends around $4,627 per month in Chicago, IL vs $3,168 in Sebring, FL, rent included.

Chicago, IL $4,627
Sebring, FL $3,168

A family of three spends $6,115 per month in Chicago, IL vs $4,374 in Sebring, FL, rent included.

Chicago, IL $6,115
Sebring, FL $4,374

Chicago, IL costs about 60% more than Sebring, FL, and outside of rent the biggest gap is in groceries.

Both Chicago, IL and Sebring, FL sit above the global median – Chicago, IL by 132%, Sebring, FL by 45%.

Meal at Budget Restaurant

$20.65 $20.65

$17.31 $17.31

19.30%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$81.3 $81.3

11.00%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$9.86 $9.86

31.24%

Cappuccino

$5.60 $5.60

$4.47 $4.47

25.28%

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

$2.64 $2.64

$2.24 $2.24

17.86%

Water (0.33 liter bottle)

$2.27 $2.27

$1.92 $1.92

18.23%

Local Beer (0.5 liter draught)

$6.98 $6.98

$4.75 $4.75

46.95%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$6.68 $6.68

32.19%

Milk (1 liter)

$1.27 $1.27

$1.03 $1.03

23.30%

White Bread (500g)

$3.80 $3.80

$2.93 $2.93

29.69%

Rice (white) (1kg)

$5.30 $5.30

$1.89 $1.89

180.42%

Eggs

$4.76 $4.76

$5.19 $5.19

-8.29%

Local Cheese (1kg)

$13.96 $13.96

$11.28 $11.28

23.76%

Chicken Fillets (1kg)

$14.61 $14.61

$12.22 $12.22

19.56%

Beef Round Steak (1kg)

$18.77 $18.77

$16.02 $16.02

17.17%

Apples (1kg)

$5.19 $5.19

$4.46 $4.46

16.37%

Banana (1kg)

$1.98 $1.98

$1.39 $1.39

42.45%

Oranges (1kg)

$3.93 $3.93

$2.60 $2.60

51.15%

Tomato (1kg)

$4.96 $4.96

$4.14 $4.14

19.81%

Potato (1kg)

$2.76 $2.76

$2.20 $2.20

25.45%

Onion (1kg)

$2.76 $2.76

$2.42 $2.42

14.05%

Lettuce (1 head)

$2.22 $2.22

$1.99 $1.99

11.56%

Water (1.5 liter bottle)

$2.98 $2.98

$1.71 $1.71

74.27%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$7.81 $7.81

79.51%

Wine (Bottle)

$15.28 $15.28

$13.75 $13.75

11.13%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.47 $1.47

75.51%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$2.30 $2.30

52.17%

One-way Ticket (Public Transport)

$2.47 $2.47

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

$56.2 $56.2

32.98%

Taxi Start (Normal Tariff)

$3.34 $3.34

$5.10 $5.10

-34.51%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$0.95 $0.95

50.53%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$30.20 $30.20

-19.47%

Gasoline (1 liter)

$1.26 $1.26

$0.88 $0.88

43.18%

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

$35.0K $35.0K

$26.3K $26.3K

33.02%

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

$26.1K $26.1K

$23.1K $23.1K

13.00%

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

$193 $193

$152 $152

26.97%

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

$68.3 $68.3

$53.4 $53.4

27.71%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$75.2 $75.2

-18.53%

Gym Membership (Monthly)

$54.1 $54.1

$32.99 $32.99

64.05%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$15.01 $15.01

18.19%

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

$1,652 $1,652

$748 $748

120.69%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$20.8K $20.8K

49.55%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$37.45 $37.45

76.42%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$27.29 $27.29

87.76%

Sport Shoes (Adidas, Nike)

$100 $100

$71.4 $71.4

40.28%

Men's Leather Business Shoes

$141 $141

$68.7 $68.7

105.02%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,152 $1,152

112.41%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$833 $833

101.32%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,096 $2,096

125.01%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$1,794 $1,794

55.83%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,120 $2,120

93.68%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$2,109 $2,109

25.62%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

$2,655 $2,655

83.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

5.95

14.45%

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

Last update for Chicago, IL: October 19, 2026

Last update for Sebring, FL: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chicago, IL

$1.7K 53.5%

Sebring, FL

$833 42.5% 50.3% $844

Groceries & Markets

Chicago, IL

$449 14.3%

Sebring, FL

$352 17.9% 21.7% $97

Eating Out

Chicago, IL

$343 10.9%

Sebring, FL

$276 14% 19.8% $68

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

Sebring, FL

$280 14.3% 13% $42

Clothing & Footwear

Chicago, IL

$161 5.1%

Sebring, FL

$92 4.7% 42.8% $69

Getting Around

Chicago, IL

$95 3%

Sebring, FL

$66 * 3.4% 30.5% $29

Sport & Entertainment

Chicago, IL

$90 2.9%

Sebring, FL

$63 3.2% 29.7% $27

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $2,446 in Chicago, IL versus $1,152 in Sebring, FL. 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 83% 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 $90.0 in Chicago, IL versus $81.0 in Sebring, FL. Monthly groceries follow the same trend: $449 vs $352 – making Sebring, FL the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 Sebring, FL

🕒 Local time

06:37 6:37 AM

07:37 7:37 AM

1 h ahead of Chicago, IL

🌤 Weather

👥 Population

2,746,388

10,648

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Chicago, IL Sebring, FL 1,690 km ≈ 2 h 30 min nonstop flight

From you

Chicago, IL
Sebring, FL

Distances are measured in a straight line. Your location is detected approximately.

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 Sebring, FL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $1,963 in Sebring, FL – roughly 60% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $2,944 in Sebring, FL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Sebring, FL, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 28% 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 mid-range dinner for two costs $90.0 in Chicago, IL and $81.0 in Sebring, FL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $3,000 monthly budget goes further in Sebring, FL, where all-in costs run around $1,963, than in Chicago, IL at $3,139. In Sebring, FL 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 $1,963 in Sebring, FL to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Sebring, FL. 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.