Last update: Oct 2026

Cost of Living Comparison Between Cutler Bay, FL and Chicago, IL

For one person, living is cheaper in Cutler Bay, FL: $2,619 a month against $3,037 in Chicago, IL, rent and utilities included – about $5,000 less a year. Rent and utilities account for most of the difference.

129

Cost of Living Index in Cutler Bay, FL
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Cutler Bay, FL Living Index
147

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

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Cutler Bay, FL

🇺🇸 United States

$2,619

/mo nomad

Chicago, IL

🇺🇸 United States

$3,037

/mo nomad

Monthly Cost of Living

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

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

A single person spends $2,619 per month in Cutler Bay, FL vs $3,037 in Chicago, IL, rent included.

Cutler Bay, FL $2,619
Chicago, IL $3,037

A couple spends around $3,948 per month in Cutler Bay, FL vs $4,518 in Chicago, IL, rent included.

Cutler Bay, FL $3,948
Chicago, IL $4,518

A family of three spends $5,277 per month in Cutler Bay, FL vs $5,999 in Chicago, IL, rent included.

Cutler Bay, FL $5,277
Chicago, IL $5,999

Cutler Bay, FL is about 14% cheaper than Chicago, IL, and outside of rent the biggest gap is in groceries.

Both Cutler Bay, FL and Chicago, IL sit above the global median – Cutler Bay, FL by 92%, Chicago, IL by 123%.

Meal at Budget Restaurant

$29.45 $29.45

$20.71 $20.71

42.20%

Three-Course Dinner for Two, Mid-Range

$95.0 $95.0

$89.2 $89.2

6.46%

Fast Food Meal (McDonalds, etc)

$11.84 $11.84

$13.19 $13.19

-10.24%

Cappuccino

$5.26 $5.26

$5.66 $5.66

-7.07%

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

$2.43 $2.43

$2.64 $2.64

-7.95%

Water (0.33 liter bottle)

$1.78 $1.78

$2.28 $2.28

-21.93%

Local Beer (0.5 liter draught)

$7.53 $7.53

$6.87 $6.87

9.61%

Imported Beer (0.33 liter bottle)

$10.08 $10.08

$8.84 $8.84

14.03%

Milk (1 liter)

$1.06 $1.06

$1.25 $1.25

-15.20%

White Bread (500g)

$3.04 $3.04

$3.72 $3.72

-18.28%

Rice (white) (1kg)

$3.21 $3.21

$5.39 $5.39

-40.45%

Eggs

$4.74 $4.74

Local Cheese (1kg)

$13.38 $13.38

$13.84 $13.84

-3.32%

Chicken Fillets (1kg)

$12.55 $12.55

$14.40 $14.40

-12.85%

Beef Round Steak (1kg)

$18.92 $18.92

$18.38 $18.38

2.94%

Apples (1kg)

$4.74 $4.74

$5.22 $5.22

-9.20%

Banana (1kg)

$1.77 $1.77

$1.98 $1.98

-10.61%

Oranges (1kg)

$3.10 $3.10

$4.06 $4.06

-23.65%

Tomato (1kg)

$4.28 $4.28

$4.97 $4.97

-13.88%

Potato (1kg)

$3.03 $3.03

$2.67 $2.67

13.48%

Onion (1kg)

$3.28 $3.28

$2.66 $2.66

23.31%

Lettuce (1 head)

$2.72 $2.72

$2.24 $2.24

21.43%

Water (1.5 liter bottle)

$2.19 $2.19

$3.13 $3.13

-30.03%

Cigarettes 20 Pack (Marlboro, Camel)

$9.09 $9.09

$13.82 $13.82

-34.23%

Wine (Bottle)

$13.12 $13.12

$14.88 $14.88

-11.83%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.54 $2.54

-33.46%

Imported Beer (0.33 liter bottle)

$3.26 $3.26

$3.51 $3.51

-7.12%

One-way Ticket (Public Transport)

$1.86 $1.86

$2.43 $2.43

-23.46%

Public Transport Monthly Pass (Regular Price)

$65.2 $65.2

$73.5 $73.5

-11.34%

Taxi Start (Normal Tariff)

$3.02 $3.02

$3.18 $3.18

-5.03%

Taxi (Normal Tariff) (1km)

$2.00 $2.00

$1.39 $1.39

43.88%

Taxi 1hour Waiting (Normal Tariff)

$24.37 $24.37

$25.03 $25.03

-2.64%

Gasoline (1 liter)

$1.04 $1.04

$1.20 $1.20

-13.33%

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

$27.9K $27.9K

$35.0K $35.0K

-20.30%

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

$26.9K $26.9K

$26.7K $26.7K

1.00%

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

$181 $181

$194 $194

-6.80%

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

$64.3 $64.3

$69.5 $69.5

-7.49%

Internet (50+ Mbps, Unlimited Data)

$74.0 $74.0

$61.6 $61.6

20.02%

Gym Membership (Monthly)

$38.15 $38.15

$47.90 $47.90

-20.35%

Tennis Court (1 Hour on Weekend)

$27.34 $27.34

Cinema Ticket

$9.97 $9.97

$17.81 $17.81

-44.02%

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

$1,470 $1,470

$1,794 $1,794

-18.04%

International Primary School, 1 Child (Yearly)

$40.2K $40.2K

$31.9K $31.9K

25.88%

Jeans (Levis 501 Or Similar)

$50.4 $50.4

$67.0 $67.0

-24.75%

Summer Dress (H&M, Zara, etc)

$41.13 $41.13

$52.1 $52.1

-21.12%

Sport Shoes (Adidas, Nike)

$101 $101

$102 $102

-0.96%

Men's Leather Business Shoes

$111 $111

$144 $144

-23.09%

1-bedroom Apartment, City Center (Monthly)

$1,746 $1,746

$2,526 $2,526

-30.89%

1-bedroom Apartment, Outside City Center (Monthly)

$1,216 $1,216

$1,578 $1,578

-22.92%

3-bedroom Apartment, City Center (Monthly)

$2,697 $2,697

$4,738 $4,738

-43.08%

3-bedroom Apartment, Outside City Center (Monthly)

$2,068 $2,068

$2,693 $2,693

-23.20%

Buy Apartment in City Center (m2)

$2,873 $2,873

$4,190 $4,190

-31.43%

Buy Apartment Outside City Center (m2)

$2,062 $2,062

$2,768 $2,768

-25.50%

Average Monthly Net Salary (After Tax)

$4,931 $4,931

20-Year Fixed Mortgage Interest Rate (Annual %)

6.56

6.81

-3.67%

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

Last update for Cutler Bay, FL: October 27, 2026

Last update for Chicago, IL: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Cutler Bay, FL

$1.2K 46.4%

Chicago, IL

$1.6K 52% 29.7% $362

Eating Out

Cutler Bay, FL

$409 15.6%

Chicago, IL

$345 11.4% 15.6% $64

Groceries & Markets

Cutler Bay, FL

$395 15.1%

Chicago, IL

$447 14.7% 13.3% $53

Monthly Utilities & Internet

Cutler Bay, FL

$319 12.2%

Chicago, IL

$326 10.7% 1.9% $6.1

Clothing & Footwear

Cutler Bay, FL

$136 5.2%

Chicago, IL

$164 5.4% 20.4% $28

Getting Around

Cutler Bay, FL

$86 3.3%

Chicago, IL

$93 3.1% 9% $7.7

Sport & Entertainment

Cutler Bay, FL

$58 2.2%

Chicago, IL

$84 2.8% 43.8% $25

Cost Breakdown

A central one-bedroom costs $1,746 in Cutler Bay, FL versus $2,526 in Chicago, IL. 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 $95 in Cutler Bay, FL versus $89 in Chicago, IL. Groceries tell a different story – $395 in Cutler Bay, FL vs $447 in Chicago, IL – so Cutler Bay, FL wins on supermarket bills even if dining out costs more.

Good to know

🇺🇸 Cutler Bay, FL

🇺🇸 Chicago, IL

🕒 Local time

07:05 7:05 AM

06:05 6:05 AM

1 h behind Cutler Bay, FL

🌤 Weather

👥 Population

30,253

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.899 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Cutler Bay, FL Chicago, IL 1,930 km ≈ 3 h nonstop flight

From you

Cutler Bay, FL
Chicago, IL

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

Cutler Bay, FL vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,619 in Cutler Bay, FL, $3,037 in Chicago, IL – roughly 16% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,929 per month in Cutler Bay, FL and $4,555 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cutler Bay, FL, especially for central apartments: a one-bedroom in the center costs $1,746 there versus $2,526 in Chicago, IL.

Groceries cost about 13% 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 $95 in Cutler Bay, FL and $89 in Chicago, IL. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,619 in Cutler Bay, FL and $3,037 in Chicago, IL. You’ll need shared housing and careful budgeting no matter which city you pick.

Families tend to lean toward Cutler Bay, FL – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.