Last update: Oct 2026

Cost of Living Comparison Between O'Fallon, MO and Chicago, IL

For one person, living is cheaper in O'Fallon, MO: $2,381 a month against $3,139 in Chicago, IL, rent and utilities included – about $9,100 less a year. Rent and utilities account for most of the difference.

115

Cost of Living Index in O'Fallon, MO
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O'Fallon, MO Living Index
152

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

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O'Fallon, MO

🇺🇸 United States

$2,381

/mo nomad

Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Monthly Cost of Living

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

A single person spends $2,381 per month in O'Fallon, MO vs $3,139 in Chicago, IL, rent included.

O'Fallon, MO $2,381
Chicago, IL $3,139

A couple spends around $3,305 per month in O'Fallon, MO vs $4,627 in Chicago, IL, rent included.

O'Fallon, MO $3,305
Chicago, IL $4,627

A family of three spends $4,229 per month in O'Fallon, MO vs $6,115 in Chicago, IL, rent included.

O'Fallon, MO $4,229
Chicago, IL $6,115

O'Fallon, MO is about 24% cheaper than Chicago, IL, and outside of rent the biggest gap is in groceries.

Both O'Fallon, MO and Chicago, IL sit above the global median – O'Fallon, MO by 76%, Chicago, IL by 132%.

Meal at Budget Restaurant

$20.03 $20.03

$20.65 $20.65

-3.00%

Three-Course Dinner for Two, Mid-Range

$60.5 $60.5

$90.2 $90.2

-32.98%

Fast Food Meal (McDonalds, etc)

$9.30 $9.30

$12.94 $12.94

-28.13%

Cappuccino

$3.40 $3.40

$5.60 $5.60

-39.29%

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

$2.29 $2.29

$2.64 $2.64

-13.26%

Water (0.33 liter bottle)

$1.53 $1.53

$2.27 $2.27

-32.60%

Local Beer (0.5 liter draught)

$2.45 $2.45

$6.98 $6.98

-64.90%

Imported Beer (0.33 liter bottle)

$3.56 $3.56

$8.83 $8.83

-59.68%

Milk (1 liter)

$0.93 $0.93

$1.27 $1.27

-26.77%

White Bread (500g)

$3.35 $3.35

$3.80 $3.80

-11.84%

Rice (white) (1kg)

$2.19 $2.19

$5.30 $5.30

-58.68%

Eggs

$2.99 $2.99

$4.76 $4.76

-37.18%

Local Cheese (1kg)

$7.32 $7.32

$13.96 $13.96

-47.56%

Chicken Fillets (1kg)

$8.67 $8.67

$14.61 $14.61

-40.66%

Beef Round Steak (1kg)

$13.06 $13.06

$18.77 $18.77

-30.42%

Apples (1kg)

$4.48 $4.48

$5.19 $5.19

-13.68%

Banana (1kg)

$1.08 $1.08

$1.98 $1.98

-45.45%

Oranges (1kg)

$2.99 $2.99

$3.93 $3.93

-23.92%

Tomato (1kg)

$4.48 $4.48

$4.96 $4.96

-9.68%

Potato (1kg)

$1.70 $1.70

$2.76 $2.76

-38.41%

Onion (1kg)

$2.35 $2.35

$2.76 $2.76

-14.86%

Lettuce (1 head)

$1.68 $1.68

$2.22 $2.22

-24.32%

Water (1.5 liter bottle)

$1.97 $1.97

$2.98 $2.98

-33.89%

Cigarettes 20 Pack (Marlboro, Camel)

$6.05 $6.05

$14.02 $14.02

-56.85%

Wine (Bottle)

$8.30 $8.30

$15.28 $15.28

-45.68%

Local Beer (0.5 liter bottle)

$1.85 $1.85

$2.58 $2.58

-28.29%

Imported Beer (0.33 liter bottle)

$2.22 $2.22

$3.50 $3.50

-36.57%

One-way Ticket (Public Transport)

$2.47 $2.47

Public Transport Monthly Pass (Regular Price)

$217 $217

$74.8 $74.8

190.80%

Taxi Start (Normal Tariff)

$2.93 $2.93

$3.34 $3.34

-12.28%

Taxi (Normal Tariff) (1km)

$1.41 $1.41

$1.43 $1.43

-1.40%

Taxi 1hour Waiting (Normal Tariff)

$36.45 $36.45

$24.32 $24.32

49.88%

Gasoline (1 liter)

$1.02 $1.02

$1.26 $1.26

-19.05%

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

$24.2K $24.2K

$35.0K $35.0K

-31.01%

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

$24.2K $24.2K

$26.1K $26.1K

-7.24%

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

$123 $123

$193 $193

-35.98%

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

$58.5 $58.5

$68.3 $68.3

-14.26%

Internet (50+ Mbps, Unlimited Data)

$70.7 $70.7

$61.3 $61.3

15.35%

Gym Membership (Monthly)

$54.1 $54.1

Tennis Court (1 Hour on Weekend)

$27.92 $27.92

Cinema Ticket

$10.06 $10.06

$17.74 $17.74

-43.29%

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

$768 $768

$1,652 $1,652

-53.49%

International Primary School, 1 Child (Yearly)

$20.3K $20.3K

$31.1K $31.1K

-34.63%

Jeans (Levis 501 Or Similar)

$54.1 $54.1

$66.1 $66.1

-18.16%

Summer Dress (H&M, Zara, etc)

$37.31 $37.31

$51.2 $51.2

-27.19%

Sport Shoes (Adidas, Nike)

$76.7 $76.7

$100 $100

-23.41%

Men's Leather Business Shoes

$70.2 $70.2

$141 $141

-50.21%

1-bedroom Apartment, City Center (Monthly)

$1,181 $1,181

$2,446 $2,446

-51.73%

1-bedroom Apartment, Outside City Center (Monthly)

$1,208 $1,208

$1,678 $1,678

-27.98%

3-bedroom Apartment, City Center (Monthly)

$1,687 $1,687

$4,717 $4,717

-64.24%

3-bedroom Apartment, Outside City Center (Monthly)

$1,641 $1,641

$2,795 $2,795

-41.29%

Buy Apartment in City Center (m2)

$1,586 $1,586

$4,105 $4,105

-61.36%

Buy Apartment Outside City Center (m2)

$1,613 $1,613

$2,650 $2,650

-39.12%

Average Monthly Net Salary (After Tax)

$5,001 $5,001

$4,866 $4,866

2.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.25

6.81

-8.22%

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

Last update for O'Fallon, MO: October 18, 2026

Last update for Chicago, IL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

O'Fallon, MO

$1.2K 50.8%

Chicago, IL

$1.7K 53.5% 38.8% $469

Groceries & Markets

O'Fallon, MO

$302 12.7%

Chicago, IL

$449 14.3% 49% $148

Eating Out

O'Fallon, MO

$264 11.1%

Chicago, IL

$343 10.9% 30.3% $80

Monthly Utilities & Internet

O'Fallon, MO

$253 10.6%

Chicago, IL

$322 10.3% 27.6% $70

Getting Around

O'Fallon, MO

$227 * 9.6%

Chicago, IL

$95 3% 58.2% $132

Clothing & Footwear

O'Fallon, MO

$107 4.5%

Chicago, IL

$161 5.1% 50.4% $54

Sport & Entertainment

O'Fallon, MO

$20 * 0.9%

Chicago, IL

$90 2.9% 345% $69

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,181 in O'Fallon, MO versus $2,446 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 3% higher in O'Fallon, MO, 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 $60.0 in O'Fallon, MO versus $90.0 in Chicago, IL. Monthly groceries follow the same trend: $302 vs $449 – making O'Fallon, MO the more affordable choice for daily food spending.

Good to know

🇺🇸 O'Fallon, MO

🇺🇸 Chicago, IL

🕒 Local time

14:26 2:26 PM

Same time as O'Fallon, MO

🌤 Weather

👥 Population

94,074

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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O'Fallon, MO Chicago, IL 430 km

From you

O'Fallon, MO
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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

O'Fallon, MO vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,381 in O'Fallon, MO, $3,139 in Chicago, IL – roughly 32% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,571 per month in O'Fallon, MO and $4,708 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 49% 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 $60.0 in O'Fallon, MO and $90.0 in Chicago, IL. 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 O'Fallon, MO, where all-in costs run around $2,381, than in Chicago, IL at $3,139. In O'Fallon, MO 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 $2,381 in O'Fallon, MO to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with O'Fallon, MO. 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.