Cost of Living Comparison Between Chicago, IL and Toms River, NJ Cost of Living Comparison Between Chicago, IL and Toms River, NJ

Monthly Cost of Living

A single person spends $3,184 per month in Chicago, IL vs $2,818 in Toms River, NJ, rent included.

A couple spends around $4,725 per month in Chicago, IL vs $4,252 in Toms River, NJ, rent included.

A family of three spends $6,266 per month in Chicago, IL vs $5,687 in Toms River, NJ, rent included.

Chicago, IL costs about 13% more than Toms River, NJ, driven mainly by Getting Around.

Both Chicago, IL and Toms River, NJ sit above the global median – Chicago, IL by 131%, Toms River, NJ by 104%.

Meal at Budget Restaurant

$20.26 $20.26

$19.91 $19.91

1.76%

Three-Course Dinner for Two, Mid-Range

$88.8 $88.8

$74.8 $74.8

18.71%

Fast Food Meal (McDonalds, etc)

$13.16 $13.16

$12.10 $12.10

8.76%

Cappuccino

$5.77 $5.77

$5.41 $5.41

6.65%

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

$2.63 $2.63

$2.61 $2.61

0.77%

Water (0.33 liter bottle)

$2.34 $2.34

$1.82 $1.82

28.57%

Local Beer (0.5 liter draught)

$7.06 $7.06

$5.13 $5.13

37.62%

Imported Beer (0.33 liter bottle)

$9.18 $9.18

$7.14 $7.14

28.57%

Milk (1 liter)

$1.30 $1.30

$1.35 $1.35

-3.70%

White Bread (500g)

$4.05 $4.05

$4.68 $4.68

-13.46%

Rice (white) (1kg)

$5.69 $5.69

$2.44 $2.44

133.20%

Eggs

$4.85 $4.85

$4.63 $4.63

4.75%

Local Cheese (1kg)

$15.08 $15.08

$16.42 $16.42

-8.16%

Chicken Fillets (1kg)

$14.87 $14.87

$17.19 $17.19

-13.50%

Beef Round Steak (1kg)

$19.28 $19.28

$16.32 $16.32

18.14%

Apples (1kg)

$5.68 $5.68

$5.96 $5.96

-4.70%

Banana (1kg)

$1.93 $1.93

$1.35 $1.35

42.96%

Oranges (1kg)

$4.10 $4.10

$4.99 $4.99

-17.84%

Tomato (1kg)

$5.11 $5.11

$6.14 $6.14

-16.78%

Potato (1kg)

$2.92 $2.92

$1.51 $1.51

93.38%

Onion (1kg)

$2.77 $2.77

$2.71 $2.71

2.21%

Lettuce (1 head)

$2.30 $2.30

$2.45 $2.45

-6.12%

Water (1.5 liter bottle)

$3.04 $3.04

$1.98 $1.98

53.54%

Cigarettes 20 Pack (Marlboro, Camel)

$15.93 $15.93

$9.80 $9.80

62.55%

Wine (Bottle)

$15.06 $15.06

$9.83 $9.83

53.20%

Local Beer (0.5 liter bottle)

$2.53 $2.53

$2.76 $2.76

-8.33%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$3.24 $3.24

7.41%

One-way Ticket (Public Transport)

$2.53 $2.53

Public Transport Monthly Pass (Regular Price)

$74.8 $74.8

Taxi Start (Normal Tariff)

$3.28 $3.28

$2.99 $2.99

9.70%

Taxi (Normal Tariff) (1km)

$1.36 $1.36

$2.14 $2.14

-36.45%

Taxi 1hour Waiting (Normal Tariff)

$22.55 $22.55

$42.19 $42.19

-46.55%

Gasoline (1 liter)

$1.22 $1.22

$0.88 $0.88

38.64%

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

$36.1K $36.1K

$35.4K $35.4K

2.10%

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

$26.0K $26.0K

$25.5K $25.5K

2.05%

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

$188 $188

$243 $243

-22.37%

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

$69.0 $69.0

$36.36 $36.36

89.77%

Internet (50+ Mbps, Unlimited Data)

$63.6 $63.6

$62.2 $62.2

2.12%

Gym Membership (Monthly)

$63.4 $63.4

$30.48 $30.48

108.14%

Tennis Court (1 Hour on Weekend)

$27.11 $27.11

Cinema Ticket

$17.90 $17.90

$17.50 $17.50

2.29%

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

$1,526 $1,526

$2,445 $2,445

-37.58%

International Primary School, 1 Child (Yearly)

$31.9K $31.9K

$33.8K $33.8K

-5.63%

Jeans (Levis 501 Or Similar)

$62.1 $62.1

$69.8 $69.8

-11.02%

Summer Dress (H&M, Zara, etc)

$56.4 $56.4

$77.3 $77.3

-27.10%

Sport Shoes (Adidas, Nike)

$101 $101

$118 $118

-14.15%

Men's Leather Business Shoes

$156 $156

$122 $122

28.18%

1-bedroom Apartment, City Center (Monthly)

$2,342 $2,342

$1,649 $1,649

42.07%

1-bedroom Apartment, Outside City Center (Monthly)

$1,698 $1,698

$1,508 $1,508

12.59%

3-bedroom Apartment, City Center (Monthly)

$4,576 $4,576

$2,831 $2,831

61.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,806 $2,806

$2,795 $2,795

0.40%

Buy Apartment in City Center (m2)

$4,130 $4,130

Buy Apartment Outside City Center (m2)

$2,740 $2,740

Average Monthly Net Salary (After Tax)

$4,891 $4,891

$5,455 $5,455

-10.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.38

6.33

0.79%

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

Last update for Chicago, IL: September 6, 2026

Last update for Toms River, NJ: September 7, 2026

Cost Breakdown

A central one-bedroom costs $2,342 in Chicago, IL versus $1,649 in Toms River, NJ. 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 12% higher in Toms River, NJ, 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 $89.0 in Chicago, IL versus $75.0 in Toms River, NJ. Monthly groceries follow the same trend: $465 vs $445 – making Toms River, NJ 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 Toms River, NJ: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,184 in Chicago, IL, $2,818 in Toms River, NJ – roughly 13% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,776 per month in Chicago, IL and $4,226 in Toms River, NJ. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Toms River, NJ, 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 $89.0 in Chicago, IL and $75.0 in Toms River, NJ. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 4% 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.

$2,500 is a stretch for both – monthly costs hit $3,184 in Chicago, IL and $2,818 in Toms River, NJ. 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 $2,818 in Toms River, NJ to $3,184 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 Toms River, NJ. 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.