Last update: Oct 2026

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

For one person, living is cheaper in Plano, TX: $2,597 a month against $3,139 in Chicago, IL, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Plano, TX
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Plano, TX Living Index
152

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

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Plano, TX

🇺🇸 United States

$2,597

/mo nomad

Chicago, IL

🇺🇸 United States

$3,139

/mo nomad

Monthly Cost of Living

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

A single person spends $2,597 per month in Plano, TX vs $3,139 in Chicago, IL, rent included.

Plano, TX $2,597
Chicago, IL $3,139

A couple spends around $4,016 per month in Plano, TX vs $4,627 in Chicago, IL, rent included.

Plano, TX $4,016
Chicago, IL $4,627

A family of three spends $5,435 per month in Plano, TX vs $6,115 in Chicago, IL, rent included.

Plano, TX $5,435
Chicago, IL $6,115

Plano, TX is about 17% cheaper than Chicago, IL, and outside of rent the biggest gap is in groceries.

Both Plano, TX and Chicago, IL sit above the global median – Plano, TX by 92%, Chicago, IL by 132%.

Meal at Budget Restaurant

$19.95 $19.95

$20.65 $20.65

-3.39%

Three-Course Dinner for Two, Mid-Range

$77.1 $77.1

$90.2 $90.2

-14.61%

Fast Food Meal (McDonalds, etc)

$10.19 $10.19

$12.94 $12.94

-21.25%

Cappuccino

$5.51 $5.51

$5.60 $5.60

-1.61%

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

$2.66 $2.66

$2.64 $2.64

0.76%

Water (0.33 liter bottle)

$2.35 $2.35

$2.27 $2.27

3.52%

Local Beer (0.5 liter draught)

$6.80 $6.80

$6.98 $6.98

-2.58%

Imported Beer (0.33 liter bottle)

$7.65 $7.65

$8.83 $8.83

-13.36%

Milk (1 liter)

$0.95 $0.95

$1.27 $1.27

-25.20%

White Bread (500g)

$3.22 $3.22

$3.80 $3.80

-15.26%

Rice (white) (1kg)

$4.83 $4.83

$5.30 $5.30

-8.87%

Eggs

$4.81 $4.81

$4.76 $4.76

1.05%

Local Cheese (1kg)

$13.31 $13.31

$13.96 $13.96

-4.66%

Chicken Fillets (1kg)

$11.29 $11.29

$14.61 $14.61

-22.72%

Beef Round Steak (1kg)

$18.73 $18.73

$18.77 $18.77

-0.21%

Apples (1kg)

$4.58 $4.58

$5.19 $5.19

-11.75%

Banana (1kg)

$1.55 $1.55

$1.98 $1.98

-21.72%

Oranges (1kg)

$2.79 $2.79

$3.93 $3.93

-29.01%

Tomato (1kg)

$3.03 $3.03

$4.96 $4.96

-38.91%

Potato (1kg)

$2.32 $2.32

$2.76 $2.76

-15.94%

Onion (1kg)

$2.51 $2.51

$2.76 $2.76

-9.06%

Lettuce (1 head)

$1.92 $1.92

$2.22 $2.22

-13.51%

Water (1.5 liter bottle)

$2.83 $2.83

$2.98 $2.98

-5.03%

Cigarettes 20 Pack (Marlboro, Camel)

$10.21 $10.21

$14.02 $14.02

-27.18%

Wine (Bottle)

$15.91 $15.91

$15.28 $15.28

4.12%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$2.58 $2.58

-33.72%

Imported Beer (0.33 liter bottle)

$3.22 $3.22

$3.50 $3.50

-8.00%

One-way Ticket (Public Transport)

$4.61 $4.61

$2.47 $2.47

86.64%

Public Transport Monthly Pass (Regular Price)

$106 $106

$74.8 $74.8

42.32%

Taxi Start (Normal Tariff)

$2.91 $2.91

$3.34 $3.34

-12.87%

Taxi (Normal Tariff) (1km)

$1.73 $1.73

$1.43 $1.43

20.98%

Taxi 1hour Waiting (Normal Tariff)

$14.92 $14.92

$24.32 $24.32

-38.65%

Gasoline (1 liter)

$0.92 $0.92

$1.26 $1.26

-26.98%

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

$27.1K $27.1K

$35.0K $35.0K

-22.52%

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

$25.9K $25.9K

$26.1K $26.1K

-0.81%

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

$194 $194

$193 $193

0.52%

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

$47.18 $47.18

$68.3 $68.3

-30.87%

Internet (50+ Mbps, Unlimited Data)

$54.7 $54.7

$61.3 $61.3

-10.80%

Gym Membership (Monthly)

$91.8 $91.8

$54.1 $54.1

69.60%

Tennis Court (1 Hour on Weekend)

$3.93 $3.93

$27.92 $27.92

-85.92%

Cinema Ticket

$15.01 $15.01

$17.74 $17.74

-15.39%

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

$1,312 $1,312

$1,652 $1,652

-20.57%

International Primary School, 1 Child (Yearly)

$24.3K $24.3K

$31.1K $31.1K

-21.92%

Jeans (Levis 501 Or Similar)

$58.5 $58.5

$66.1 $66.1

-11.46%

Summer Dress (H&M, Zara, etc)

$37.94 $37.94

$51.2 $51.2

-25.96%

Sport Shoes (Adidas, Nike)

$87.2 $87.2

$100 $100

-12.87%

Men's Leather Business Shoes

$68.3 $68.3

$141 $141

-51.55%

1-bedroom Apartment, City Center (Monthly)

$1,550 $1,550

$2,446 $2,446

-36.65%

1-bedroom Apartment, Outside City Center (Monthly)

$1,212 $1,212

$1,678 $1,678

-27.75%

3-bedroom Apartment, City Center (Monthly)

$2,748 $2,748

$4,717 $4,717

-41.75%

3-bedroom Apartment, Outside City Center (Monthly)

$2,374 $2,374

$2,795 $2,795

-15.07%

Buy Apartment in City Center (m2)

$2,365 $2,365

$4,105 $4,105

-42.39%

Buy Apartment Outside City Center (m2)

$2,423 $2,423

$2,650 $2,650

-8.55%

Average Monthly Net Salary (After Tax)

$5,756 $5,756

$4,866 $4,866

18.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

6.81

-4.41%

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

Last update for Plano, TX: October 19, 2026

Last update for Chicago, IL: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Plano, TX

$1.2K 46.7%

Chicago, IL

$1.7K 53.5% 38.4% $466

Groceries & Markets

Plano, TX

$392 15.1%

Chicago, IL

$449 14.3% 14.7% $58

Eating Out

Plano, TX

$326 12.5%

Chicago, IL

$343 10.9% 5.5% $18

Monthly Utilities & Internet

Plano, TX

$296 11.4%

Chicago, IL

$322 10.3% 9% $27

Getting Around

Plano, TX

$136 5.3%

Chicago, IL

$95 3% 30.3% $41

Sport & Entertainment

Plano, TX

$122 4.7%

Chicago, IL

$90 2.9% 26.4% $32

Clothing & Footwear

Plano, TX

$113 4.4%

Chicago, IL

$161 5.1% 42.2% $48

Cost Breakdown

A central one-bedroom costs $1,550 in Plano, TX 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 18% higher in Plano, TX, 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 $77.0 in Plano, TX versus $90.0 in Chicago, IL. Monthly groceries follow the same trend: $392 vs $449 – making Plano, TX the more affordable choice for daily food spending.

Good to know

🇺🇸 Plano, TX

🇺🇸 Chicago, IL

🕒 Local time

17:39 5:39 PM

Same time as Plano, TX

🌤 Weather

👥 Population

288,253

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

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

From you

Plano, 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

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

Monthly costs with rent: $2,597 in Plano, TX, $3,139 in Chicago, IL – roughly 21% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,895 per month in Plano, TX 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 Plano, TX, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 15% 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 $77.0 in Plano, TX and $90.0 in Chicago, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,500 is a stretch for both – monthly costs hit $2,597 in Plano, TX and $3,139 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 $2,597 in Plano, TX to $3,139 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Plano, 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.