Last update: Oct 2026

Cost of Living Comparison Between Garland, TX and Chicago, IL

For one person, living is cheaper in Garland, TX: $2,625 a month against $3,185 in Chicago, IL, rent and utilities included – about $6,700 less a year. Rent and utilities account for most of the difference.

128

Cost of Living Index in Garland, TX
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Garland, TX Living Index
153

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

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Garland, TX

🇺🇸 United States

$2,625

/mo nomad

Chicago, IL

🇺🇸 United States

$3,185

/mo nomad

Monthly Cost of Living

How much you'll spend in Garland, TX 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 Garland, TX and in Chicago, IL actually costs, broken down by who's living it.

A single person spends $2,625 per month in Garland, TX vs $3,185 in Chicago, IL, rent included.

Garland, TX $2,625
Chicago, IL $3,185

A couple spends around $3,796 per month in Garland, TX vs $4,631 in Chicago, IL, rent included.

Garland, TX $3,796
Chicago, IL $4,631

A family of three spends $4,967 per month in Garland, TX vs $6,077 in Chicago, IL, rent included.

Garland, TX $4,967
Chicago, IL $6,077

Garland, TX is about 18% cheaper than Chicago, IL, and outside of rent the biggest gap is in groceries.

Both Garland, TX and Chicago, IL sit above the global median – Garland, TX by 94%, Chicago, IL by 136%.

Meal at Budget Restaurant

$19.85 $19.85

$21.58 $21.58

-8.02%

Three-Course Dinner for Two, Mid-Range

$54.4 $54.4

$88.7 $88.7

-38.66%

Fast Food Meal (McDonalds, etc)

$9.83 $9.83

$13.20 $13.20

-25.53%

Cappuccino

$5.52 $5.52

$5.59 $5.59

-1.25%

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

$2.58 $2.58

$2.63 $2.63

-1.90%

Water (0.33 liter bottle)

$2.33 $2.33

$2.26 $2.26

3.10%

Local Beer (0.5 liter draught)

$5.40 $5.40

$7.11 $7.11

-24.05%

Imported Beer (0.33 liter bottle)

$7.65 $7.65

$9.23 $9.23

-17.12%

Milk (1 liter)

$0.93 $0.93

$1.28 $1.28

-27.34%

White Bread (500g)

$3.77 $3.77

$3.84 $3.84

-1.82%

Rice (white) (1kg)

$5.29 $5.29

$5.07 $5.07

4.34%

Eggs

$4.62 $4.62

$4.84 $4.84

-4.55%

Local Cheese (1kg)

$7.56 $7.56

$14.17 $14.17

-46.65%

Chicken Fillets (1kg)

$11.71 $11.71

$14.61 $14.61

-19.85%

Beef Round Steak (1kg)

$19.20 $19.20

$18.76 $18.76

2.35%

Apples (1kg)

$5.47 $5.47

$5.19 $5.19

5.39%

Banana (1kg)

$1.29 $1.29

$2.00 $2.00

-35.50%

Oranges (1kg)

$5.11 $5.11

$4.00 $4.00

27.75%

Tomato (1kg)

$4.20 $4.20

$4.98 $4.98

-15.66%

Potato (1kg)

$2.01 $2.01

$2.79 $2.79

-27.96%

Onion (1kg)

$2.13 $2.13

$2.65 $2.65

-19.62%

Lettuce (1 head)

$2.08 $2.08

$2.13 $2.13

-2.35%

Water (1.5 liter bottle)

$1.46 $1.46

$3.09 $3.09

-52.75%

Cigarettes 20 Pack (Marlboro, Camel)

$9.70 $9.70

$16.05 $16.05

-39.56%

Wine (Bottle)

$11.17 $11.17

$15.20 $15.20

-26.51%

Local Beer (0.5 liter bottle)

$2.08 $2.08

$2.62 $2.62

-20.61%

Imported Beer (0.33 liter bottle)

$3.35 $3.35

$3.46 $3.46

-3.18%

One-way Ticket (Public Transport)

$3.02 $3.02

$2.47 $2.47

22.27%

Public Transport Monthly Pass (Regular Price)

$96.4 $96.4

$75.1 $75.1

28.38%

Taxi Start (Normal Tariff)

$3.07 $3.07

$3.21 $3.21

-4.36%

Taxi (Normal Tariff) (1km)

$1.75 $1.75

$1.39 $1.39

25.90%

Taxi 1hour Waiting (Normal Tariff)

$24.19 $24.19

$25.02 $25.02

-3.32%

Gasoline (1 liter)

$0.91 $0.91

$1.24 $1.24

-26.61%

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

$36.1K $36.1K

$37.2K $37.2K

-3.01%

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

$25.9K $25.9K

$25.8K $25.8K

0.17%

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

$201 $201

$192 $192

4.55%

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

$54.0 $54.0

$67.8 $67.8

-20.33%

Internet (50+ Mbps, Unlimited Data)

$80.3 $80.3

$60.9 $60.9

31.83%

Gym Membership (Monthly)

$39.47 $39.47

$53.6 $53.6

-26.32%

Tennis Court (1 Hour on Weekend)

$16.76 $16.76

$27.90 $27.90

-39.93%

Cinema Ticket

$14.80 $14.80

$17.80 $17.80

-16.85%

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

$1,348 $1,348

$1,554 $1,554

-13.30%

International Primary School, 1 Child (Yearly)

$28.3K $28.3K

$31.4K $31.4K

-9.63%

Jeans (Levis 501 Or Similar)

$59.8 $59.8

$67.9 $67.9

-11.96%

Summer Dress (H&M, Zara, etc)

$29.10 $29.10

$50.8 $50.8

-42.67%

Sport Shoes (Adidas, Nike)

$87.4 $87.4

$101 $101

-13.89%

Men's Leather Business Shoes

$122 $122

$143 $143

-14.93%

1-bedroom Apartment, City Center (Monthly)

$1,494 $1,494

$2,383 $2,383

-37.29%

1-bedroom Apartment, Outside City Center (Monthly)

$1,272 $1,272

$1,712 $1,712

-25.68%

3-bedroom Apartment, City Center (Monthly)

$2,295 $2,295

$4,674 $4,674

-50.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 $2,090

$2,738 $2,738

-23.69%

Buy Apartment in City Center (m2)

$3,247 $3,247

$4,158 $4,158

-21.91%

Buy Apartment Outside City Center (m2)

$1,942 $1,942

$2,691 $2,691

-27.83%

Average Monthly Net Salary (After Tax)

$3,670 $3,670

$4,894 $4,894

-25.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.77

-2.22%

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

Last update for Garland, TX: October 11, 2026

Last update for Chicago, IL: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Garland, TX

$1.3K 48.5%

Chicago, IL

$1.7K 53.8% 34.6% $440

Groceries & Markets

Garland, TX

$377 14.4%

Chicago, IL

$451 14.2% 19.5% $74

Monthly Utilities & Internet

Garland, TX

$335 12.8%

Chicago, IL

$321 10.1% 4.3% $14

Eating Out

Garland, TX

$317 12.1%

Chicago, IL

$353 11.1% 11.5% $36

Clothing & Footwear

Garland, TX

$134 5.1%

Chicago, IL

$164 5.1% 21.9% $29

Getting Around

Garland, TX

$120 4.6%

Chicago, IL

$95 3% 21% $25

Sport & Entertainment

Garland, TX

$69 2.6%

Chicago, IL

$89 2.8% 29.1% $20

Cost Breakdown

A central one-bedroom costs $1,494 in Garland, TX versus $2,383 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.

Salaries run about 33% 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 $54.0 in Garland, TX versus $89.0 in Chicago, IL. Monthly groceries follow the same trend: $377 vs $451 – making Garland, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Garland, TX

🇺🇸 Chicago, IL

🕒 Local time

12:28 12:28 PM

Same time as Garland, TX

🌤 Weather

👥 Population

242,035

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.889 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Garland, TX Chicago, IL 1,270 km ≈ 2 h nonstop flight

From you

Garland, TX
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

Garland, TX vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,625 in Garland, TX, $3,185 in Chicago, IL – roughly 21% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,938 per month in Garland, TX and $4,777 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 20% 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 $54.0 in Garland, TX and $89.0 in Chicago, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$3,000 is a stretch for both – monthly costs hit $2,625 in Garland, TX and $3,185 in Chicago, IL. 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 $2,625 in Garland, TX to $3,185 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Garland, TX. 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.