Cost of Living Comparison Between Jersey City, NJ and Chicago, IL Cost of Living Comparison Between Jersey City, NJ and Chicago, IL

Monthly Cost of Living

A single person spends $3,908 per month in Jersey City, NJ vs $3,068 in Chicago, IL, rent included.

A couple spends around $5,457 per month in Jersey City, NJ vs $4,648 in Chicago, IL, rent included.

A family of three spends $7,005 per month in Jersey City, NJ vs $6,229 in Chicago, IL, rent included.

Jersey City, NJ costs about 27% more than Chicago, IL, driven mainly by Getting Around.

Both Jersey City, NJ and Chicago, IL sit above the global median – Jersey City, NJ by 193%, Chicago, IL by 130%.

Meal at Budget Restaurant

$19.97 $19.97

$20.17 $20.17

-0.99%

Three-Course Dinner for Two, Mid-Range

$101 $101

$99.5 $99.5

1.25%

Fast Food Meal (McDonalds, etc)

$14.04 $14.04

$12.23 $12.23

14.80%

Cappuccino

$5.37 $5.37

$5.60 $5.60

-4.11%

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

$2.38 $2.38

$3.12 $3.12

-23.72%

Water (0.33 liter bottle)

$1.92 $1.92

$2.43 $2.43

-20.99%

Local Beer (0.5 liter draught)

$6.86 $6.86

$6.93 $6.93

-1.01%

Imported Beer (0.33 liter bottle)

$8.79 $8.79

$8.20 $8.20

7.20%

Milk (1 liter)

$1.29 $1.29

$1.08 $1.08

19.44%

White Bread (500g)

$3.72 $3.72

$3.97 $3.97

-6.30%

Rice (white) (1kg)

$5.31 $5.31

$5.58 $5.58

-4.84%

Eggs

$4.78 $4.78

$4.47 $4.47

6.94%

Local Cheese (1kg)

$20.98 $20.98

$14.50 $14.50

44.69%

Chicken Fillets (1kg)

$11.67 $11.67

$15.08 $15.08

-22.61%

Beef Round Steak (1kg)

$17.05 $17.05

$19.34 $19.34

-11.84%

Apples (1kg)

$4.93 $4.93

$5.37 $5.37

-8.19%

Banana (1kg)

$1.71 $1.71

$1.76 $1.76

-2.84%

Oranges (1kg)

$3.91 $3.91

$4.32 $4.32

-9.49%

Tomato (1kg)

$4.14 $4.14

$4.41 $4.41

-6.12%

Potato (1kg)

$2.81 $2.81

$2.54 $2.54

10.63%

Onion (1kg)

$3.83 $3.83

$2.70 $2.70

41.85%

Lettuce (1 head)

$2.45 $2.45

$2.49 $2.49

-1.61%

Water (1.5 liter bottle)

$2.66 $2.66

$2.60 $2.60

2.31%

Cigarettes 20 Pack (Marlboro, Camel)

$12.10 $12.10

$14.80 $14.80

-18.24%

Wine (Bottle)

$23.74 $23.74

$15.18 $15.18

56.39%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$2.47 $2.47

-30.77%

Imported Beer (0.33 liter bottle)

$5.89 $5.89

$3.60 $3.60

63.61%

One-way Ticket (Public Transport)

$2.73 $2.73

$2.54 $2.54

7.48%

Public Transport Monthly Pass (Regular Price)

$94.5 $94.5

$76.3 $76.3

23.92%

Taxi Start (Normal Tariff)

$2.97 $2.97

$3.30 $3.30

-10.00%

Taxi (Normal Tariff) (1km)

$1.70 $1.70

$1.38 $1.38

23.19%

Taxi 1hour Waiting (Normal Tariff)

$23.88 $23.88

$25.36 $25.36

-5.84%

Gasoline (1 liter)

$0.92 $0.92

$1.09 $1.09

-15.60%

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

$34.7K $34.7K

$31.6K $31.6K

9.55%

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

$25.6K $25.6K

$26.6K $26.6K

-3.67%

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

$123 $123

$186 $186

-33.69%

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

$45.56 $45.56

$62.9 $62.9

-27.52%

Internet (50+ Mbps, Unlimited Data)

$65.2 $65.2

$66.2 $66.2

-1.45%

Gym Membership (Monthly)

$81.0 $81.0

$77.6 $77.6

4.33%

Tennis Court (1 Hour on Weekend)

$44.06 $44.06

$13.16 $13.16

234.80%

Cinema Ticket

$17.33 $17.33

$14.74 $14.74

17.57%

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

$2,239 $2,239

$2,039 $2,039

9.79%

International Primary School, 1 Child (Yearly)

$23.6K $23.6K

$39.9K $39.9K

-40.68%

Jeans (Levis 501 Or Similar)

$75.4 $75.4

$63.9 $63.9

18.01%

Summer Dress (H&M, Zara, etc)

$64.0 $64.0

$51.2 $51.2

25.15%

Sport Shoes (Adidas, Nike)

$75.3 $75.3

$95.2 $95.2

-20.87%

Men's Leather Business Shoes

$136 $136

$144 $144

-5.43%

1-bedroom Apartment, City Center (Monthly)

$3,253 $3,253

$2,305 $2,305

41.10%

1-bedroom Apartment, Outside City Center (Monthly)

$2,469 $2,469

$1,575 $1,575

56.76%

3-bedroom Apartment, City Center (Monthly)

$6,239 $6,239

$4,688 $4,688

33.08%

3-bedroom Apartment, Outside City Center (Monthly)

$3,618 $3,618

$2,737 $2,737

32.18%

Buy Apartment in City Center (m2)

$7,917 $7,917

$4,063 $4,063

94.85%

Buy Apartment Outside City Center (m2)

$5,458 $5,458

$2,696 $2,696

102.45%

Average Monthly Net Salary (After Tax)

$6,184 $6,184

$5,019 $5,019

23.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.6

0.30%

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

Last update for Jersey City, NJ: July 11, 2026

Last update for Chicago, IL: July 11, 2026

Cost Breakdown

A central one-bedroom costs $3,253 in Jersey City, NJ versus $2,305 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 23% higher in Jersey City, NJ, 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 $101 in Jersey City, NJ versus $99.0 in Chicago, IL. Monthly groceries follow the same trend: $460 vs $448 – making Chicago, IL 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

Jersey City, NJ vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,908 in Jersey City, NJ, $3,068 in Chicago, IL – roughly 27% apart. Jersey City, NJ costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $5,862 per month in Jersey City, NJ and $4,602 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 3% more in Jersey City, NJ, 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 $101 in Jersey City, NJ and $99.0 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 $3,908 in Jersey City, NJ and $3,068 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 $3,068 in Chicago, IL to $3,908 in Jersey City, NJ. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Jersey City, NJ makes more sense. Both are solid long-term options with distinct trade-offs.