Cost of Living in Ottawa, IL - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $976 (excluding rent), and $2,462 including rent.

Family of 3: Estimated monthly costs are $1,851 (excluding rent), and $4,529 including rent.

Meal at Budget Restaurant

$14.71 $14.71

$11.77 $11.77

$24.51 $24.51

Three-Course Dinner for Two, Mid-Range

$49.15 $49.15

$43.26 $43.26

$98.3 $98.3

Fast Food Meal (McDonalds, etc)

$10.86 $10.86

$9.87 $9.87

$13.60 $13.60

Cappuccino

$4.29 $4.29

$2.98 $2.98

$4.97 $4.97

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

$2.02 $2.02

$2.78 $2.78

Water (0.33 liter bottle)

$1.49 $1.49

$0.99 $0.99

$2.48 $2.48

Local Beer (0.5 liter draught)

$3.41 $3.41

$6.83 $6.83

Imported Beer (0.33 liter bottle)

$3.08 $3.08

$10.25 $10.25

Milk (1 liter)

$0.74 $0.74

$0.68 $0.68

$1.10 $1.10

White Bread (500g)

$2.66 $2.66

$1.11 $1.11

$4.46 $4.46

Rice (white) (1kg)

$2.78 $2.78

$1.69 $1.69

$9.01 $9.01

Eggs

$2.68 $2.68

$1.39 $1.39

$4.08 $4.08

Local Cheese (1kg)

$11.13 $11.13

$7.47 $7.47

$17.37 $17.37

Chicken Fillets (1kg)

$6.30 $6.30

$5.54 $5.54

$15.50 $15.50

Beef Round Steak (1kg)

$13.47 $13.47

$8.85 $8.85

$19.90 $19.90

Apples (1kg)

$2.23 $2.23

$4.47 $4.47

Banana (1kg)

$1.56 $1.56

$1.21 $1.21

$3.04 $3.04

Oranges (1kg)

$3.51 $3.51

$2.24 $2.24

$9.00 $9.00

Tomato (1kg)

$4.15 $4.15

$2.17 $2.17

$14.50 $14.50

Potato (1kg)

$2.33 $2.33

$0.64 $0.64

$7.01 $7.01

Onion (1kg)

$2.38 $2.38

$2.12 $2.12

$7.59 $7.59

Lettuce (1 head)

$2.05 $2.05

$1.74 $1.74

$4.11 $4.11

Water (1.5 liter bottle)

$1.53 $1.53

$1.02 $1.02

$3.59 $3.59

Cigarettes 20 Pack (Marlboro, Camel)

$8.84 $8.84

$12.77 $12.77

Wine (Bottle)

$14.85 $14.85

$12.37 $12.37

$19.80 $19.80

Local Beer (0.5 liter bottle)

$2.09 $2.09

$1.72 $1.72

$2.84 $2.84

Imported Beer (0.33 liter bottle)

$1.98 $1.98

$1.19 $1.19

$5.94 $5.94

One-way Ticket (Public Transport)

$2.03 $2.03

$1.27 $1.27

$2.03 $2.03

Taxi Start (Normal Tariff)

$3.46 $3.46

$2.96 $2.96

$4.94 $4.94

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$3.06 $3.06

Taxi 1hour Waiting (Normal Tariff)

$28.69 $28.69

$25.94 $25.94

$34.39 $34.39

Gasoline (1 liter)

$0.97 $0.97

$0.84 $0.84

$1.54 $1.54

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

$40.4K $40.4K

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

$22.6K $22.6K

$19.6K $19.6K

$54.0K $54.0K

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

$214 $214

$148 $148

$395 $395

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

$41.44 $41.44

$29.72 $29.72

$59.4 $59.4

Internet (50+ Mbps, Unlimited Data)

$61.5 $61.5

$49.62 $49.62

$116 $116

Gym Membership (Monthly)

$43.32 $43.32

$17.63 $17.63

$50.4 $50.4

Tennis Court (1 Hour on Weekend)

$27.10 $27.10

Cinema Ticket

$12.20 $12.20

$10.17 $10.17

$15.25 $15.25

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

$1,213 $1,213

International Primary School, 1 Child (Yearly)

$23.2K $23.2K

$16.6K $16.6K

$27.0K $27.0K

Jeans (Levis 501 Or Similar)

$44.81 $44.81

$20.14 $20.14

$80.6 $80.6

Summer Dress (H&M, Zara, etc)

$39.65 $39.65

$24.78 $24.78

$64.4 $64.4

Sport Shoes (Adidas, Nike)

$88.9 $88.9

$49.37 $49.37

$148 $148

Men's Leather Business Shoes

$153 $153

$61.2 $61.2

$255 $255

1-bedroom Apartment, City Center (Monthly)

$1,599 $1,599

$1,198 $1,198

$1,853 $1,853

1-bedroom Apartment, Outside City Center (Monthly)

$1,364 $1,364

$1,008 $1,008

$1,512 $1,512

3-bedroom Apartment, City Center (Monthly)

$2,613 $2,613

$1,987 $1,987

$2,980 $2,980

3-bedroom Apartment, Outside City Center (Monthly)

$2,186 $2,186

$1,673 $1,673

$2,460 $2,460

Buy Apartment in City Center (m2)

$2,748 $2,748

$2,006 $2,006

$2,748 $2,748

Buy Apartment Outside City Center (m2)

$2,088 $2,088

$1,721 $1,721

$2,088 $2,088

Average Monthly Net Salary (After Tax)

$2,439 $2,439

20-Year Fixed Mortgage Interest Rate (Annual %)

6.56

6.19

6.8

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

Last update: January 10, 2026

Ottawa, IL Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

337

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Ottawa, IL - Frequently Asked Questions

Cost of Living in Ottawa, IL, United States generally feels approachable for short stays and longer explorations. The city offers practical housing options, reasonable grocery choices, and everyday services that do not push budgets toward the extremes you will see in larger metros. The pace is slower, transportation demands are lower, and local amenities cover essentials without sacrificing access to parks, healthcare, and community events. For travelers and remote workers, this blend translates into predictable expenses and the freedom to rent longer without overstretching resources. It is a solid base for seasonal Midwest exploration. Tip: Start with a short-term rental to test neighborhoods before committing.

In daily life, you will find housing options that reward longer leases in well-connected pockets near the river or downtown; expect a mix of modest apartments and small houses with practical layouts. Grocery stores and diners cover essentials, while farmers markets seasonally complement local produce. Transport tends to be car-centered, with reasonable drive times to surrounding towns; walking and biking are feasible in denser parts. Co-working spaces and reliable cafes with Wi-Fi support remote work. Ottawa, IL, United States living cost tends to stay steady, helping you plan a predictable monthly budget. Tip: Map out a candidate neighborhood and schedule visits during different times of day.

Quality of life here hinges on a practical, walkable mix of parks, dining, and community events. A simple budgeting framework helps: divide your expenses into housing, groceries, utilities, and discretionary play, then adjust with seasons. Winters bring heating needs and indoor activities; summers offer outdoor options with fewer crowds in some areas. A neighborhood strategy works best by prioritizing proximity to services and transit-friendly streets. Downtown and riverfront zones deliver walkability; the west side offers quieter residential blocks with family-friendly parks. Tip: sign up for local listings and test different neighborhoods across seasons before choosing a long-term home.