Cost of Living Comparison Between Chicago, IL and Utica, NY Cost of Living Comparison Between Chicago, IL and Utica, NY

Monthly Cost of Living

A single person spends $3,106 per month in Chicago, IL vs $2,441 in Utica, NY, rent included.

A couple spends around $4,599 per month in Chicago, IL vs $3,825 in Utica, NY, rent included.

A family of three spends $6,092 per month in Chicago, IL vs $5,210 in Utica, NY, rent included.

Chicago, IL costs about 27% more than Utica, NY, driven mainly by Groceries & Markets.

Both Chicago, IL and Utica, NY sit above the global median – Chicago, IL by 126%, Utica, NY by 78%.

Meal at Budget Restaurant

$19.86 $19.86

$17.20 $17.20

15.47%

Three-Course Dinner for Two, Mid-Range

$88.3 $88.3

$76.4 $76.4

15.69%

Fast Food Meal (McDonalds, etc)

$13.23 $13.23

$10.78 $10.78

22.73%

Cappuccino

$5.86 $5.86

$5.25 $5.25

11.62%

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

$2.61 $2.61

$2.81 $2.81

-7.12%

Water (0.33 liter bottle)

$2.32 $2.32

$1.68 $1.68

38.10%

Local Beer (0.5 liter draught)

$7.03 $7.03

$5.12 $5.12

37.30%

Imported Beer (0.33 liter bottle)

$9.25 $9.25

$5.97 $5.97

54.94%

Milk (1 liter)

$1.34 $1.34

$0.92 $0.92

45.65%

White Bread (500g)

$4.19 $4.19

$3.45 $3.45

21.45%

Rice (white) (1kg)

$5.50 $5.50

$2.91 $2.91

89.00%

Eggs

$4.71 $4.71

$4.66 $4.66

1.07%

Local Cheese (1kg)

$14.72 $14.72

$13.32 $13.32

10.51%

Chicken Fillets (1kg)

$14.53 $14.53

$10.10 $10.10

43.86%

Beef Round Steak (1kg)

$19.69 $19.69

$16.00 $16.00

23.06%

Apples (1kg)

$5.64 $5.64

$4.70 $4.70

20.00%

Banana (1kg)

$1.97 $1.97

$1.50 $1.50

31.33%

Oranges (1kg)

$4.04 $4.04

$4.20 $4.20

-3.81%

Tomato (1kg)

$5.07 $5.07

$5.18 $5.18

-2.12%

Potato (1kg)

$2.94 $2.94

$1.62 $1.62

81.48%

Onion (1kg)

$2.92 $2.92

$2.08 $2.08

40.38%

Lettuce (1 head)

$2.28 $2.28

$2.30 $2.30

-0.87%

Water (1.5 liter bottle)

$3.12 $3.12

$2.41 $2.41

29.46%

Cigarettes 20 Pack (Marlboro, Camel)

$16.19 $16.19

$13.28 $13.28

21.91%

Wine (Bottle)

$15.17 $15.17

$12.13 $12.13

25.06%

Local Beer (0.5 liter bottle)

$2.67 $2.67

$2.07 $2.07

28.99%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$3.58 $3.58

-2.79%

One-way Ticket (Public Transport)

$2.54 $2.54

$1.53 $1.53

66.01%

Public Transport Monthly Pass (Regular Price)

$76.0 $76.0

$43.75 $43.75

73.67%

Taxi Start (Normal Tariff)

$3.16 $3.16

$5.22 $5.22

-39.46%

Taxi (Normal Tariff) (1km)

$1.37 $1.37

$2.21 $2.21

-38.01%

Taxi 1hour Waiting (Normal Tariff)

$22.66 $22.66

$44.74 $44.74

-49.35%

Gasoline (1 liter)

$1.20 $1.20

$0.92 $0.92

30.43%

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

$37.0K $37.0K

$31.6K $31.6K

17.09%

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

$26.0K $26.0K

$24.6K $24.6K

5.80%

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

$190 $190

$184 $184

2.98%

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

$68.5 $68.5

$51.5 $51.5

32.97%

Internet (50+ Mbps, Unlimited Data)

$61.1 $61.1

$66.1 $66.1

-7.64%

Gym Membership (Monthly)

$63.8 $63.8

$39.39 $39.39

61.92%

Tennis Court (1 Hour on Weekend)

$27.80 $27.80

Cinema Ticket

$18.28 $18.28

$12.86 $12.86

42.15%

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

$1,525 $1,525

$802 $802

90.07%

International Primary School, 1 Child (Yearly)

$32.0K $32.0K

$32.2K $32.2K

-0.65%

Jeans (Levis 501 Or Similar)

$64.0 $64.0

$52.9 $52.9

21.00%

Summer Dress (H&M, Zara, etc)

$54.4 $54.4

$45.17 $45.17

20.43%

Sport Shoes (Adidas, Nike)

$101 $101

$81.6 $81.6

23.28%

Men's Leather Business Shoes

$153 $153

$88.1 $88.1

74.15%

1-bedroom Apartment, City Center (Monthly)

$2,421 $2,421

$1,177 $1,177

105.66%

1-bedroom Apartment, Outside City Center (Monthly)

$1,690 $1,690

$1,282 $1,282

31.79%

3-bedroom Apartment, City Center (Monthly)

$4,584 $4,584

$2,060 $2,060

122.57%

3-bedroom Apartment, Outside City Center (Monthly)

$2,782 $2,782

$2,607 $2,607

6.71%

Buy Apartment in City Center (m2)

$4,170 $4,170

$1,621 $1,621

157.14%

Buy Apartment Outside City Center (m2)

$2,739 $2,739

$1,651 $1,651

65.83%

Average Monthly Net Salary (After Tax)

$4,777 $4,777

$3,554 $3,554

34.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.38

6.07

5.11%

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

Last update for Chicago, IL: August 29, 2026

Last update for Utica, NY: September 1, 2026

Cost Breakdown

A central one-bedroom costs $2,421 in Chicago, IL versus $1,177 in Utica, NY. 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 34% 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 $88.0 in Chicago, IL versus $76.0 in Utica, NY. Monthly groceries follow the same trend: $465 vs $377 – making Utica, NY 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 Utica, NY: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,106 in Chicago, IL, $2,441 in Utica, NY – roughly 27% apart. Chicago, IL costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,659 per month in Chicago, IL and $3,662 in Utica, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 24% 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 $88.0 in Chicago, IL and $76.0 in Utica, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Utica, NY, where all-in costs run around $2,441, than in Chicago, IL at $3,106. In Utica, NY 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 $2,441 in Utica, NY to $3,106 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Utica, NY. 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.