Cost of Living Comparison Between White Plains, NY and Chicago, IL Cost of Living Comparison Between White Plains, NY and Chicago, IL

Monthly Cost of Living

A single person spends $3,494 per month in White Plains, NY vs $3,077 in Chicago, IL, rent included.

A couple spends around $5,654 per month in White Plains, NY vs $4,628 in Chicago, IL, rent included.

A family of three spends $7,814 per month in White Plains, NY vs $6,179 in Chicago, IL, rent included.

White Plains, NY costs about 14% more than Chicago, IL, driven mainly by Sport & Entertainment.

Both White Plains, NY and Chicago, IL sit above the global median – White Plains, NY by 161%, Chicago, IL by 130%.

Meal at Budget Restaurant

$19.69 $19.69

$20.91 $20.91

-5.83%

Three-Course Dinner for Two, Mid-Range

$78.8 $78.8

$98.1 $98.1

-19.71%

Fast Food Meal (McDonalds, etc)

$10.98 $10.98

$11.86 $11.86

-7.42%

Cappuccino

$5.51 $5.51

$5.60 $5.60

-1.61%

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

$2.68 $2.68

$3.07 $3.07

-12.70%

Water (0.33 liter bottle)

$2.03 $2.03

$2.47 $2.47

-17.81%

Local Beer (0.5 liter draught)

$8.20 $8.20

$7.14 $7.14

14.85%

Imported Beer (0.33 liter bottle)

$7.46 $7.46

$8.08 $8.08

-7.67%

Milk (1 liter)

$1.25 $1.25

$1.05 $1.05

19.05%

White Bread (500g)

$4.54 $4.54

$4.11 $4.11

10.46%

Rice (white) (1kg)

$6.33 $6.33

$5.61 $5.61

12.83%

Eggs

$5.32 $5.32

$4.51 $4.51

17.96%

Local Cheese (1kg)

$13.51 $13.51

$14.27 $14.27

-5.33%

Chicken Fillets (1kg)

$12.31 $12.31

$14.89 $14.89

-17.33%

Beef Round Steak (1kg)

$14.86 $14.86

$19.19 $19.19

-22.56%

Apples (1kg)

$5.89 $5.89

$5.14 $5.14

14.59%

Banana (1kg)

$2.29 $2.29

$1.77 $1.77

29.38%

Oranges (1kg)

$5.75 $5.75

$4.39 $4.39

30.98%

Tomato (1kg)

$6.12 $6.12

$4.56 $4.56

34.21%

Potato (1kg)

$5.09 $5.09

$2.54 $2.54

100.39%

Onion (1kg)

$4.98 $4.98

$2.75 $2.75

81.09%

Lettuce (1 head)

$2.65 $2.65

$2.42 $2.42

9.50%

Water (1.5 liter bottle)

$2.28 $2.28

$2.62 $2.62

-12.98%

Cigarettes 20 Pack (Marlboro, Camel)

$15.86 $15.86

$14.92 $14.92

6.30%

Wine (Bottle)

$20.23 $20.23

$14.80 $14.80

36.69%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$2.46 $2.46

-31.30%

Imported Beer (0.33 liter bottle)

$3.60 $3.60

$3.73 $3.73

-3.49%

One-way Ticket (Public Transport)

$2.78 $2.78

$2.48 $2.48

12.10%

Public Transport Monthly Pass (Regular Price)

$152 $152

$75.4 $75.4

101.50%

Taxi Start (Normal Tariff)

$3.02 $3.02

$3.18 $3.18

-5.03%

Taxi (Normal Tariff) (1km)

$2.11 $2.11

$1.42 $1.42

48.59%

Taxi 1hour Waiting (Normal Tariff)

$18.10 $18.10

$24.94 $24.94

-27.43%

Gasoline (1 liter)

$0.89 $0.89

$1.06 $1.06

-16.04%

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

$25.4K $25.4K

$31.9K $31.9K

-20.45%

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

$24.7K $24.7K

$26.0K $26.0K

-5.05%

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

$158 $158

$185 $185

-14.36%

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

$55.6 $55.6

$61.7 $61.7

-10.03%

Internet (50+ Mbps, Unlimited Data)

$69.1 $69.1

$66.9 $66.9

3.20%

Gym Membership (Monthly)

$153 $153

$75.2 $75.2

103.53%

Tennis Court (1 Hour on Weekend)

$13.08 $13.08

Cinema Ticket

$20.19 $20.19

$14.71 $14.71

37.25%

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

$1,881 $1,881

$2,020 $2,020

-6.90%

International Primary School, 1 Child (Yearly)

$14.3K $14.3K

$39.4K $39.4K

-63.59%

Jeans (Levis 501 Or Similar)

$62.5 $62.5

$64.6 $64.6

-3.33%

Summer Dress (H&M, Zara, etc)

$52.4 $52.4

$52.5 $52.5

-0.11%

Sport Shoes (Adidas, Nike)

$110 $110

$97.8 $97.8

11.99%

Men's Leather Business Shoes

$133 $133

$148 $148

-9.96%

1-bedroom Apartment, City Center (Monthly)

$2,248 $2,248

$2,313 $2,313

-2.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,812 $1,812

$1,590 $1,590

13.97%

3-bedroom Apartment, City Center (Monthly)

$5,536 $5,536

$4,608 $4,608

20.14%

3-bedroom Apartment, Outside City Center (Monthly)

$4,288 $4,288

$2,779 $2,779

54.33%

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)

$6,030 $6,030

$5,217 $5,217

15.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.2

6.6

-6.06%

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

Last update for White Plains, NY: June 1, 2026

Last update for Chicago, IL: May 30, 2026

Cost Breakdown

A central one-bedroom costs $2,248 in White Plains, NY 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 16% higher in White Plains, NY, 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 $79.0 in White Plains, NY versus $98.0 in Chicago, IL. Groceries tell a different story – $467 in White Plains, NY vs $447 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

White Plains, NY vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,494 in White Plains, NY, $3,077 in Chicago, IL – roughly 14% apart. White Plains, NY costs more across the board, with Sport & Entertainment showing the biggest gap.

For a comfortable life, plan on about $5,240 per month in White Plains, NY 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.

Groceries cost about 5% more in White Plains, NY, 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 $79.0 in White Plains, NY 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 $3,494 in White Plains, NY 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 $3,077 in Chicago, IL to $3,494 in White Plains, NY. 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, White Plains, NY makes more sense. Both are solid long-term options with distinct trade-offs.