Cost of Living Comparison Between Tracy, CA and Chicago, IL Cost of Living Comparison Between Tracy, CA and Chicago, IL

Monthly Cost of Living

A single person spends $2,723 per month in Tracy, CA vs $3,077 in Chicago, IL, rent included.

A couple spends around $3,916 per month in Tracy, CA vs $4,628 in Chicago, IL, rent included.

A family of three spends $5,110 per month in Tracy, CA vs $6,179 in Chicago, IL, rent included.

Tracy, CA is about 12% cheaper than Chicago, IL, driven mainly by Groceries & Markets.

Both Tracy, CA and Chicago, IL sit above the global median – Tracy, CA by 103%, Chicago, IL by 130%.

Meal at Budget Restaurant

$20.31 $20.31

$20.91 $20.91

-2.87%

Three-Course Dinner for Two, Mid-Range

$50.5 $50.5

$98.1 $98.1

-48.51%

Fast Food Meal (McDonalds, etc)

$9.97 $9.97

$11.86 $11.86

-15.94%

Cappuccino

$4.48 $4.48

$5.60 $5.60

-20.00%

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

$3.06 $3.06

$3.07 $3.07

-0.33%

Water (0.33 liter bottle)

$1.80 $1.80

$2.47 $2.47

-27.13%

Local Beer (0.5 liter draught)

$6.88 $6.88

$7.14 $7.14

-3.64%

Imported Beer (0.33 liter bottle)

$8.94 $8.94

$8.08 $8.08

10.64%

Milk (1 liter)

$1.35 $1.35

$1.05 $1.05

28.57%

White Bread (500g)

$4.14 $4.14

$4.11 $4.11

0.73%

Rice (white) (1kg)

$3.27 $3.27

$5.61 $5.61

-41.71%

Eggs

$3.43 $3.43

$4.51 $4.51

-23.95%

Local Cheese (1kg)

$16.07 $16.07

$14.27 $14.27

12.61%

Chicken Fillets (1kg)

$10.89 $10.89

$14.89 $14.89

-26.86%

Beef Round Steak (1kg)

$15.45 $15.45

$19.19 $19.19

-19.49%

Apples (1kg)

$4.30 $4.30

$5.14 $5.14

-16.34%

Banana (1kg)

$2.14 $2.14

$1.77 $1.77

20.90%

Oranges (1kg)

$4.33 $4.33

$4.39 $4.39

-1.37%

Tomato (1kg)

$4.31 $4.31

$4.56 $4.56

-5.48%

Potato (1kg)

$2.24 $2.24

$2.54 $2.54

-11.81%

Onion (1kg)

$3.35 $3.35

$2.75 $2.75

21.82%

Lettuce (1 head)

$2.06 $2.06

$2.42 $2.42

-14.88%

Water (1.5 liter bottle)

$2.05 $2.05

$2.62 $2.62

-21.76%

Cigarettes 20 Pack (Marlboro, Camel)

$11.05 $11.05

$14.92 $14.92

-25.94%

Wine (Bottle)

$12.85 $12.85

$14.80 $14.80

-13.18%

Local Beer (0.5 liter bottle)

$2.25 $2.25

$2.46 $2.46

-8.54%

Imported Beer (0.33 liter bottle)

$3.45 $3.45

$3.73 $3.73

-7.51%

One-way Ticket (Public Transport)

$1.96 $1.96

$2.48 $2.48

-20.97%

Public Transport Monthly Pass (Regular Price)

$65.7 $65.7

$75.4 $75.4

-12.91%

Taxi Start (Normal Tariff)

$3.48 $3.48

$3.18 $3.18

9.43%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$1.42 $1.42

30.28%

Taxi 1hour Waiting (Normal Tariff)

$29.61 $29.61

$24.94 $24.94

18.72%

Gasoline (1 liter)

$1.26 $1.26

$1.06 $1.06

18.87%

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

$29.6K $29.6K

$31.9K $31.9K

-7.20%

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

$27.2K $27.2K

$26.0K $26.0K

4.29%

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

$287 $287

$185 $185

55.08%

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

$48.97 $48.97

$61.7 $61.7

-20.68%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$66.9 $66.9

1.17%

Gym Membership (Monthly)

$42.26 $42.26

$75.2 $75.2

-43.78%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

Cinema Ticket

$15.75 $15.75

$14.71 $14.71

7.07%

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

$1,985 $1,985

$2,020 $2,020

-1.77%

International Primary School, 1 Child (Yearly)

$26.4K $26.4K

$39.4K $39.4K

-33.12%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$64.6 $64.6

-18.25%

Summer Dress (H&M, Zara, etc)

$43.69 $43.69

$52.5 $52.5

-16.70%

Sport Shoes (Adidas, Nike)

$89.3 $89.3

$97.8 $97.8

-8.69%

Men's Leather Business Shoes

$135 $135

$148 $148

-8.23%

1-bedroom Apartment, City Center (Monthly)

$1,630 $1,630

$2,313 $2,313

-29.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,341 $1,341

$1,590 $1,590

-15.68%

3-bedroom Apartment, City Center (Monthly)

$2,606 $2,606

$4,608 $4,608

-43.45%

3-bedroom Apartment, Outside City Center (Monthly)

$2,225 $2,225

$2,779 $2,779

-19.93%

Buy Apartment in City Center (m2)

$2,692 $2,692

$3,922 $3,922

-31.36%

Buy Apartment Outside City Center (m2)

$2,625 $2,625

$2,613 $2,613

0.45%

Average Monthly Net Salary (After Tax)

$5,692 $5,692

$5,217 $5,217

9.11%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

6.6

-1.36%

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

Last update for Tracy, CA: June 1, 2026

Last update for Chicago, IL: May 30, 2026

Cost Breakdown

A central one-bedroom costs $1,630 in Tracy, 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 9% higher in Tracy, CA, 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 $51.0 in Tracy, CA versus $98.0 in Chicago, IL. Monthly groceries follow the same trend: $394 vs $447 – making Tracy, CA 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

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

Monthly costs with rent: $2,723 in Tracy, CA, $3,077 in Chicago, IL – roughly 13% apart. Chicago, IL costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $4,084 per month in Tracy, 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 Tracy, CA, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 13% 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 $51.0 in Tracy, CA and $98.0 in Chicago, IL. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$2,000 is a stretch for both – monthly costs hit $2,723 in Tracy, 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. Chicago, IL has an edge in some lifestyle areas, with costs from $2,723 in Tracy, CA to $3,077 in Chicago, IL. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Tracy, CA. 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.