Last update: Oct 2026

Cost of Living Comparison Between Chicago, IL and St. Louis, MO

For one person, living is cheaper in St. Louis, MO: $2,552 a month against $3,139 in Chicago, IL, rent and utilities included – about $7,000 less a year. Rent and utilities account for most of the difference.

152

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index
125

Cost of Living Index in St. Louis, MO
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St. Louis, MO Living Index

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Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

St. Louis, MO

🇺🇸 United States

$2,552

/mo nomad

Monthly Cost of Living

How much you'll spend in Chicago, IL and in St. Louis, MO

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 St. Louis, MO actually costs, broken down by who's living it.

A single person spends $3,139 per month in Chicago, IL vs $2,552 in St. Louis, MO, rent included.

Chicago, IL $3,139
St. Louis, MO $2,552

A couple spends around $4,627 per month in Chicago, IL vs $3,739 in St. Louis, MO, rent included.

Chicago, IL $4,627
St. Louis, MO $3,739

A family of three spends $6,115 per month in Chicago, IL vs $4,926 in St. Louis, MO, rent included.

Chicago, IL $6,115
St. Louis, MO $4,926

Chicago, IL costs about 23% more than St. Louis, MO, and outside of rent the biggest gap is in transport.

Both Chicago, IL and St. Louis, MO sit above the global median – Chicago, IL by 132%, St. Louis, MO by 88%.

Meal at Budget Restaurant

$20.65 $20.65

$18.92 $18.92

9.14%

Three-Course Dinner for Two, Mid-Range

$90.2 $90.2

$75.9 $75.9

18.93%

Fast Food Meal (McDonalds, etc)

$12.94 $12.94

$11.06 $11.06

17.00%

Cappuccino

$5.60 $5.60

$5.16 $5.16

8.53%

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

$2.64 $2.64

$2.49 $2.49

6.02%

Water (0.33 liter bottle)

$2.27 $2.27

$2.02 $2.02

12.38%

Local Beer (0.5 liter draught)

$6.98 $6.98

$5.91 $5.91

18.10%

Imported Beer (0.33 liter bottle)

$8.83 $8.83

$7.18 $7.18

22.98%

Milk (1 liter)

$1.27 $1.27

$1.05 $1.05

20.95%

White Bread (500g)

$3.80 $3.80

$3.44 $3.44

10.47%

Rice (white) (1kg)

$5.30 $5.30

$4.38 $4.38

21.00%

Eggs

$4.76 $4.76

$4.19 $4.19

13.60%

Local Cheese (1kg)

$13.96 $13.96

$12.37 $12.37

12.85%

Chicken Fillets (1kg)

$14.61 $14.61

$11.26 $11.26

29.75%

Beef Round Steak (1kg)

$18.77 $18.77

$15.45 $15.45

21.49%

Apples (1kg)

$5.19 $5.19

$4.98 $4.98

4.22%

Banana (1kg)

$1.98 $1.98

$1.64 $1.64

20.73%

Oranges (1kg)

$3.93 $3.93

$4.14 $4.14

-5.07%

Tomato (1kg)

$4.96 $4.96

$4.81 $4.81

3.12%

Potato (1kg)

$2.76 $2.76

$2.89 $2.89

-4.50%

Onion (1kg)

$2.76 $2.76

$2.88 $2.88

-4.17%

Lettuce (1 head)

$2.22 $2.22

$2.08 $2.08

6.73%

Water (1.5 liter bottle)

$2.98 $2.98

$2.11 $2.11

41.23%

Cigarettes 20 Pack (Marlboro, Camel)

$14.02 $14.02

$9.55 $9.55

46.81%

Wine (Bottle)

$15.28 $15.28

$14.07 $14.07

8.60%

Local Beer (0.5 liter bottle)

$2.58 $2.58

$1.76 $1.76

46.59%

Imported Beer (0.33 liter bottle)

$3.50 $3.50

$3.28 $3.28

6.71%

One-way Ticket (Public Transport)

$2.47 $2.47

$1.96 $1.96

26.02%

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$3.34 $3.34

$3.58 $3.58

-6.70%

Taxi (Normal Tariff) (1km)

$1.43 $1.43

$1.63 $1.63

-12.27%

Taxi 1hour Waiting (Normal Tariff)

$24.32 $24.32

$28.91 $28.91

-15.88%

Gasoline (1 liter)

$1.26 $1.26

$0.86 $0.86

46.51%

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

$35.0K $35.0K

$29.9K $29.9K

17.14%

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

$26.1K $26.1K

$25.6K $25.6K

1.74%

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

$193 $193

$185 $185

4.18%

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

$68.3 $68.3

$51.9 $51.9

31.40%

Internet (50+ Mbps, Unlimited Data)

$61.3 $61.3

$67.8 $67.8

-9.56%

Gym Membership (Monthly)

$54.1 $54.1

$42.19 $42.19

28.28%

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$17.74 $17.74

$13.41 $13.41

32.29%

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

$1,652 $1,652

$1,311 $1,311

25.97%

International Primary School, 1 Child (Yearly)

$31.1K $31.1K

$23.1K $23.1K

34.63%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$50.3 $50.3

31.43%

Summer Dress (H&M, Zara, etc)

$51.2 $51.2

$40.37 $40.37

26.93%

Sport Shoes (Adidas, Nike)

$100 $100

$86.3 $86.3

15.96%

Men's Leather Business Shoes

$141 $141

$112 $112

26.13%

1-bedroom Apartment, City Center (Monthly)

$2,446 $2,446

$1,620 $1,620

51.00%

1-bedroom Apartment, Outside City Center (Monthly)

$1,678 $1,678

$1,335 $1,335

25.70%

3-bedroom Apartment, City Center (Monthly)

$4,717 $4,717

$2,663 $2,663

77.14%

3-bedroom Apartment, Outside City Center (Monthly)

$2,795 $2,795

$2,213 $2,213

26.33%

Buy Apartment in City Center (m2)

$4,105 $4,105

$2,773 $2,773

48.02%

Buy Apartment Outside City Center (m2)

$2,650 $2,650

$2,463 $2,463

7.59%

Average Monthly Net Salary (After Tax)

$4,866 $4,866

20-Year Fixed Mortgage Interest Rate (Annual %)

6.81

6.51

4.61%

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

Last update for Chicago, IL: October 19, 2026

Last update for St. Louis, MO: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Chicago, IL

$1.7K 53.5%

St. Louis, MO

$1.3K 52.3% 20.4% $343

Groceries & Markets

Chicago, IL

$449 14.3%

St. Louis, MO

$386 15.1% 14.2% $64

Eating Out

Chicago, IL

$343 10.9%

St. Louis, MO

$308 12.1% 10.2% $35

Monthly Utilities & Internet

Chicago, IL

$322 10.3%

St. Louis, MO

$305 11.9% 5.4% $18

Clothing & Footwear

Chicago, IL

$161 5.1%

St. Louis, MO

$130 5.1% 19.4% $31

Getting Around

Chicago, IL

$95 3%

St. Louis, MO

$20 * 0.8% 79.4% $76

Sport & Entertainment

Chicago, IL

$90 2.9%

St. Louis, MO

$69 2.7% 23% $21

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 $1,620 in St. Louis, MO. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $90.0 in Chicago, IL versus $76.0 in St. Louis, MO. Monthly groceries follow the same trend: $449 vs $386 – making St. Louis, MO the more affordable choice for daily food spending.

Good to know

🇺🇸 Chicago, IL

🇺🇸 St. Louis, MO

🕒 Local time

18:30 6:30 PM

Same time as Chicago, IL

🌤 Weather

👥 Population

2,746,388

301,578

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

Chicago, IL St. Louis, MO 420 km

From you

Chicago, IL
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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 St. Louis, MO: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,139 in Chicago, IL, $2,552 in St. Louis, MO – roughly 23% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $4,708 per month in Chicago, IL and $3,828 in St. Louis, MO. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in St. Louis, MO, 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 $90.0 in Chicago, IL and $76.0 in St. Louis, MO. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 17% 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.

$3,000 is a stretch for both – monthly costs hit $3,139 in Chicago, IL and $2,552 in St. Louis, MO. 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 $2,552 in St. Louis, MO to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with St. Louis, MO. 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.