Cost of Living Comparison Between Laguna Niguel, CA and Chicago, IL Cost of Living Comparison Between Laguna Niguel, CA and Chicago, IL

Monthly Cost of Living

A single person spends $4,118 per month in Laguna Niguel, CA vs $3,077 in Chicago, IL, rent included.

A couple spends around $5,312 per month in Laguna Niguel, CA vs $4,628 in Chicago, IL, rent included.

A family of three spends $6,506 per month in Laguna Niguel, CA vs $6,179 in Chicago, IL, rent included.

Laguna Niguel, CA costs about 34% more than Chicago, IL, driven mainly by Eating Out.

Both Laguna Niguel, CA and Chicago, IL sit above the global median – Laguna Niguel, CA by 207%, Chicago, IL by 130%.

Meal at Budget Restaurant

$24.83 $24.83

$20.91 $20.91

18.75%

Three-Course Dinner for Two, Mid-Range

$100 $100

$98.1 $98.1

2.20%

Fast Food Meal (McDonalds, etc)

$13.82 $13.82

$11.86 $11.86

16.53%

Cappuccino

$5.71 $5.71

$5.60 $5.60

1.96%

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

$2.89 $2.89

$3.07 $3.07

-5.86%

Water (0.33 liter bottle)

$2.02 $2.02

$2.47 $2.47

-18.22%

Local Beer (0.5 liter draught)

$7.79 $7.79

$7.14 $7.14

9.10%

Imported Beer (0.33 liter bottle)

$9.07 $9.07

$8.08 $8.08

12.25%

Milk (1 liter)

$1.21 $1.21

$1.05 $1.05

15.24%

White Bread (500g)

$4.38 $4.38

$4.11 $4.11

6.57%

Rice (white) (1kg)

$5.79 $5.79

$5.61 $5.61

3.21%

Eggs

$4.54 $4.54

$4.51 $4.51

0.67%

Local Cheese (1kg)

$12.70 $12.70

$14.27 $14.27

-11.00%

Chicken Fillets (1kg)

$12.31 $12.31

$14.89 $14.89

-17.33%

Beef Round Steak (1kg)

$15.13 $15.13

$19.19 $19.19

-21.16%

Apples (1kg)

$6.54 $6.54

$5.14 $5.14

27.24%

Banana (1kg)

$1.84 $1.84

$1.77 $1.77

3.95%

Oranges (1kg)

$4.27 $4.27

$4.39 $4.39

-2.73%

Tomato (1kg)

$5.40 $5.40

$4.56 $4.56

18.42%

Potato (1kg)

$3.16 $3.16

$2.54 $2.54

24.41%

Onion (1kg)

$2.94 $2.94

$2.75 $2.75

6.91%

Lettuce (1 head)

$2.06 $2.06

$2.42 $2.42

-14.88%

Water (1.5 liter bottle)

$2.09 $2.09

$2.62 $2.62

-20.23%

Cigarettes 20 Pack (Marlboro, Camel)

$11.67 $11.67

$14.92 $14.92

-21.78%

Wine (Bottle)

$14.97 $14.97

$14.80 $14.80

1.15%

Local Beer (0.5 liter bottle)

$1.78 $1.78

$2.46 $2.46

-27.64%

Imported Beer (0.33 liter bottle)

$3.17 $3.17

$3.73 $3.73

-15.01%

One-way Ticket (Public Transport)

$2.02 $2.02

$2.48 $2.48

-18.55%

Public Transport Monthly Pass (Regular Price)

$64.0 $64.0

$75.4 $75.4

-15.17%

Taxi Start (Normal Tariff)

$3.16 $3.16

$3.18 $3.18

-0.63%

Taxi (Normal Tariff) (1km)

$2.08 $2.08

$1.42 $1.42

46.48%

Taxi 1hour Waiting (Normal Tariff)

$29.13 $29.13

$24.94 $24.94

16.80%

Gasoline (1 liter)

$1.25 $1.25

$1.06 $1.06

17.92%

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

$31.3K $31.3K

$31.9K $31.9K

-2.09%

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

$27.0K $27.0K

$26.0K $26.0K

3.89%

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

$198 $198

$185 $185

6.98%

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

$57.7 $57.7

$61.7 $61.7

-6.62%

Internet (50+ Mbps, Unlimited Data)

$72.9 $72.9

$66.9 $66.9

8.97%

Gym Membership (Monthly)

$94.1 $94.1

$75.2 $75.2

25.17%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

Cinema Ticket

$16.81 $16.81

$14.71 $14.71

14.28%

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

$1,779 $1,779

$2,020 $2,020

-11.92%

International Primary School, 1 Child (Yearly)

$23.6K $23.6K

$39.4K $39.4K

-40.02%

Jeans (Levis 501 Or Similar)

$62.9 $62.9

$64.6 $64.6

-2.71%

Summer Dress (H&M, Zara, etc)

$41.32 $41.32

$52.5 $52.5

-21.22%

Sport Shoes (Adidas, Nike)

$101 $101

$97.8 $97.8

3.07%

Men's Leather Business Shoes

$153 $153

$148 $148

3.82%

1-bedroom Apartment, City Center (Monthly)

$2,992 $2,992

$2,313 $2,313

29.39%

1-bedroom Apartment, Outside City Center (Monthly)

$2,615 $2,615

$1,590 $1,590

64.48%

3-bedroom Apartment, City Center (Monthly)

$4,113 $4,113

$4,608 $4,608

-10.74%

3-bedroom Apartment, Outside City Center (Monthly)

$3,178 $3,178

$2,779 $2,779

14.39%

Buy Apartment in City Center (m2)

$3,922 $3,922

Buy Apartment Outside City Center (m2)

$2,613 $2,613

Average Monthly Net Salary (After Tax)

$4,986 $4,986

$5,217 $5,217

-4.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.49

6.6

-1.67%

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

Last update for Laguna Niguel, CA: May 31, 2026

Last update for Chicago, IL: May 30, 2026

Cost Breakdown

A central one-bedroom costs $2,992 in Laguna Niguel, CA versus $2,313 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 5% higher in Chicago, IL, 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 $100 in Laguna Niguel, CA versus $98.0 in Chicago, IL. Groceries tell a different story – $424 in Laguna Niguel, CA vs $447 in Chicago, IL – so Laguna Niguel, CA wins on supermarket bills even if dining out costs more.

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

Laguna Niguel, CA vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $4,118 in Laguna Niguel, CA, $3,077 in Chicago, IL – roughly 34% apart. Laguna Niguel, CA costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $6,176 per month in Laguna Niguel, CA and $4,616 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.

Interestingly, groceries are about 5% cheaper in Laguna Niguel, CA – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $100 in Laguna Niguel, CA and $98.0 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 $4,118 in Laguna Niguel, CA and $3,077 in Chicago, IL. You'll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Laguna Niguel, CA has an edge in some lifestyle areas, with costs from $3,077 in Chicago, IL to $4,118 in Laguna Niguel, CA. 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 Chicago, IL. If higher salaries, better infrastructure, or specific career opportunities are the priority, Laguna Niguel, CA makes more sense. Both are solid long-term options with distinct trade-offs.