Cost of Living Comparison Between Paterson, NJ and Chicago, IL Cost of Living Comparison Between Paterson, NJ and Chicago, IL

Monthly Cost of Living

A single person spends $2,749 per month in Paterson, NJ vs $3,068 in Chicago, IL, rent included.

A couple spends around $4,475 per month in Paterson, NJ vs $4,648 in Chicago, IL, rent included.

A family of three spends $6,200 per month in Paterson, NJ vs $6,229 in Chicago, IL, rent included.

Paterson, NJ is about 10% cheaper than Chicago, IL, driven mainly by Getting Around.

Both Paterson, NJ and Chicago, IL sit above the global median – Paterson, NJ by 106%, Chicago, IL by 130%.

Meal at Budget Restaurant

$16.86 $16.86

$20.17 $20.17

-16.41%

Three-Course Dinner for Two, Mid-Range

$98.5 $98.5

$99.5 $99.5

-0.95%

Fast Food Meal (McDonalds, etc)

$11.92 $11.92

$12.23 $12.23

-2.53%

Cappuccino

$6.07 $6.07

$5.60 $5.60

8.39%

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

$2.31 $2.31

$3.12 $3.12

-25.96%

Water (0.33 liter bottle)

$1.56 $1.56

$2.43 $2.43

-35.80%

Local Beer (0.5 liter draught)

$6.84 $6.84

$6.93 $6.93

-1.30%

Imported Beer (0.33 liter bottle)

$7.04 $7.04

$8.20 $8.20

-14.15%

Milk (1 liter)

$1.28 $1.28

$1.08 $1.08

18.52%

White Bread (500g)

$4.23 $4.23

$3.97 $3.97

6.55%

Rice (white) (1kg)

$5.80 $5.80

$5.58 $5.58

3.94%

Eggs

$6.74 $6.74

$4.47 $4.47

50.78%

Local Cheese (1kg)

$15.08 $15.08

$14.50 $14.50

4.00%

Chicken Fillets (1kg)

$10.43 $10.43

$15.08 $15.08

-30.84%

Beef Round Steak (1kg)

$20.01 $20.01

$19.34 $19.34

3.46%

Apples (1kg)

$7.37 $7.37

$5.37 $5.37

37.24%

Banana (1kg)

$2.44 $2.44

$1.76 $1.76

38.64%

Oranges (1kg)

$4.43 $4.43

$4.32 $4.32

2.55%

Tomato (1kg)

$4.19 $4.19

$4.41 $4.41

-4.99%

Potato (1kg)

$3.01 $3.01

$2.54 $2.54

18.50%

Onion (1kg)

$2.60 $2.60

$2.70 $2.70

-3.70%

Lettuce (1 head)

$2.77 $2.77

$2.49 $2.49

11.24%

Water (1.5 liter bottle)

$2.48 $2.48

$2.60 $2.60

-4.62%

Cigarettes 20 Pack (Marlboro, Camel)

$17.71 $17.71

$14.80 $14.80

19.66%

Wine (Bottle)

$15.20 $15.20

$15.18 $15.18

0.13%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.47 $2.47

-28.34%

Imported Beer (0.33 liter bottle)

$4.48 $4.48

$3.60 $3.60

24.44%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.54 $2.54

-22.83%

Public Transport Monthly Pass (Regular Price)

$76.3 $76.3

Taxi Start (Normal Tariff)

$5.08 $5.08

$3.30 $3.30

53.94%

Taxi (Normal Tariff) (1km)

$2.12 $2.12

$1.38 $1.38

53.62%

Taxi 1hour Waiting (Normal Tariff)

$41.29 $41.29

$25.36 $25.36

62.82%

Gasoline (1 liter)

$0.90 $0.90

$1.09 $1.09

-17.43%

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

$23.3K $23.3K

$31.6K $31.6K

-26.32%

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

$25.6K $25.6K

$26.6K $26.6K

-3.80%

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

$179 $179

$186 $186

-3.90%

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

$52.8 $52.8

$62.9 $62.9

-16.08%

Internet (50+ Mbps, Unlimited Data)

$62.4 $62.4

$66.2 $66.2

-5.79%

Gym Membership (Monthly)

$42.17 $42.17

$77.6 $77.6

-45.67%

Tennis Court (1 Hour on Weekend)

$13.16 $13.16

Cinema Ticket

$20.34 $20.34

$14.74 $14.74

37.99%

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

$1,761 $1,761

$2,039 $2,039

-13.63%

International Primary School, 1 Child (Yearly)

$16.1K $16.1K

$39.9K $39.9K

-59.71%

Jeans (Levis 501 Or Similar)

$67.8 $67.8

$63.9 $63.9

6.12%

Summer Dress (H&M, Zara, etc)

$47.80 $47.80

$51.2 $51.2

-6.59%

Sport Shoes (Adidas, Nike)

$105 $105

$95.2 $95.2

10.52%

Men's Leather Business Shoes

$171 $171

$144 $144

18.87%

1-bedroom Apartment, City Center (Monthly)

$2,725 $2,725

$2,305 $2,305

18.21%

1-bedroom Apartment, Outside City Center (Monthly)

$1,357 $1,357

$1,575 $1,575

-13.82%

3-bedroom Apartment, City Center (Monthly)

$2,626 $2,626

$4,688 $4,688

-43.98%

3-bedroom Apartment, Outside City Center (Monthly)

$3,119 $3,119

$2,737 $2,737

13.94%

Buy Apartment in City Center (m2)

$4,063 $4,063

Buy Apartment Outside City Center (m2)

$2,696 $2,696

Average Monthly Net Salary (After Tax)

$3,138 $3,138

$5,019 $5,019

-37.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.6

-2.42%

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

Last update for Paterson, NJ: July 11, 2026

Last update for Chicago, IL: July 11, 2026

Cost Breakdown

A central one-bedroom costs $2,725 in Paterson, 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 60% 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 $99.0 in Paterson, NJ versus $99.0 in Chicago, IL. Groceries tell a different story – $456 in Paterson, NJ vs $448 in Chicago, IL – so Chicago, IL 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

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

Monthly costs with rent: $2,749 in Paterson, NJ, $3,068 in Chicago, IL – roughly 12% apart. Chicago, IL costs more across the board, with Getting Around showing the biggest gap.

For a comfortable life, plan on about $4,124 per month in Paterson, 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 Paterson, NJ, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $99.0 in Paterson, NJ and $99.0 in Chicago, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 2% cheaper in Chicago, IL – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$2,500 is a stretch for both – monthly costs hit $2,749 in Paterson, 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 $2,749 in Paterson, NJ to $3,068 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Paterson, NJ. 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.