Living costs in Chicago in 2025–2026 are moderate compared to other major U.S. cities, with typical monthly expenses for a single person ranging from $1,800–$2,800, excluding rent. Groceries cost $300–$500 per month, utilities $120–$250, and public transportation $100–$150. Dining out averages $12–$25 per meal, and health insurance costs range from $200–$400 per month for individuals. Families with children can expect higher expenses, around $4,000–$6,000 per month, depending on housing, education, and lifestyle choices. Neighborhood choice, lifestyle habits, and transportation options significantly influence overall living costs in Chicago.
Living costs in Chicago range from $1,800–$2,800 per month in 2025–2026. Learn about rent, groceries, utilities, transport, dining, and family expenses for single residents and households.
How Much Does It Cost to Live in Chicago (2025–2026)?
Chicago’s living costs vary by lifestyle, neighborhood, and household size. Rent is the largest monthly expense, followed by groceries, transportation, and utilities. Single professionals typically spend $1,800–$2,800 per month, while families pay $4,000–$6,000. Downtown and North Side neighborhoods are more expensive due to proximity to work, schools, and amenities, whereas suburban areas offer lower rent and utility costs. Dining, healthcare, and transportation also impact monthly budgets, so planning based on lifestyle and priorities helps manage expenses effectively.
• Single-person monthly budget: $1,800–$2,800 without rent.
• Family monthly budget: $4,000–$6,000, including groceries, utilities, childcare, and transport.
• Most expensive neighborhoods: Downtown, River North, Gold Coast, Lincoln Park.
• Affordable neighborhoods: South Side, West Side, and suburbs like Oak Park and Evanston.
• Key expense factors: Rent, transportation, groceries, utilities, dining, healthcare, and entertainment.
Housing Costs in Chicago
Housing is the largest factor in Chicago’s living costs. Apartment rents vary widely by neighborhood, size, and building amenities, impacting overall monthly expenses.
• Studio apartments: $1,200–$1,700 per month, ideal for singles.
• One-bedroom apartments: $1,500–$2,300 per month in central areas.
• Two-bedroom apartments: $2,000–$3,200 per month, suitable for small families.
• Luxury apartments: $3,500–$4,500+ per month in Downtown, River North, or Gold Coast.
• Suburban options: Rent is lower, $1,000–$2,000 per month depending on size and location.
Grocery Costs in Chicago
Grocery expenses depend on family size, shopping habits, and choice of stores. Average monthly costs in 2025–2026 are reasonable for a major city.
• Single person: $300–$500/month for staples like milk, bread, meat, vegetables, and household supplies.
• Family of four: $800–$1,200/month for balanced meals and household necessities.
• Cost-saving tips: Shop at local markets, buy in bulk, and take advantage of weekly deals.
• Popular grocery stores: Jewel-Osco, Mariano’s, Aldi, and Walmart.
• Organic or specialty items: Can increase monthly grocery bills by 20–30%.
Utilities and Internet Costs
Monthly utilities include electricity, heating, water, and internet. Costs fluctuate based on apartment size, usage, and season.
• Electricity & gas: $80–$200/month depending on apartment size and season.
• Water & trash: $40–$60/month, often included in rent in some buildings.
• Internet & cable: $50–$120/month depending on provider and speed.
• Heating in winter: Additional $50–$100/month in cold months.
• Energy-saving tips: Use programmable thermostats, LED lights, and efficient appliances.
Transportation Costs in Chicago
Chicago offers multiple transportation options, including public transit, rideshares, and personal vehicles. Costs vary based on usage and mode of travel.
• CTA bus & train: $100–$150/month for unlimited rides using a Ventra card.
• Rideshares (Uber/Lyft): $10–$25 per trip within city limits.
• Personal car ownership: $150–$270/month on insurance, plus gas $100–$200/month and parking $100–$300/month.
• Biking & walking: Minimal costs, ideal for central neighborhoods.
• Commuter rail (Metra): $100–$250/month for suburban travel.
Dining and Entertainment Costs
Eating out and entertainment contribute significantly to monthly budgets. Chicago offers a wide range of options from affordable to high-end.
• Casual dining: $12–$25 per meal at local restaurants.
• Mid-range restaurants: $25–$50 per person for a three-course meal.
• Coffee & snacks: $3–$6 per drink or small snack.
• Movie tickets & entertainment: $12–$18 per ticket, higher for premium theaters.
• Nightlife & events: Budget $50–$200/month depending on lifestyle.
Healthcare and Insurance Costs
Healthcare costs depend on insurance coverage and individual needs. Illinois residents may choose private or employer-provided plans.
• Individual health insurance: $200–$400/month for standard plans.
• Family health insurance: $700–$1,500/month depending on coverage.
• Doctor visits: $100–$200 per visit without insurance.
• Prescription medication: $20–$100/month depending on prescriptions.
• Preventive care & wellness: Some costs covered by insurance, check deductibles.
Tips to Save on Living Costs in Chicago (2025–2026)
Chicago residents can optimize their monthly budget by planning carefully and prioritizing expenses.
• Choose affordable neighborhoods: Outer neighborhoods and suburbs offer lower rent and utility costs.
• Use public transportation: CTA passes or biking reduce car-related expenses.
• Cook at home: Limit dining out to save $200–$500/month.
• Look for discounts: Student, senior, or multi-service discounts can reduce costs.
• Energy efficiency: Reduce utility bills using energy-saving appliances and practices.
Summary of Living Costs in Chicago (2025–2026)
| Expense Category | Monthly Cost (Single Person) | Monthly Cost (Family of Four) | Notes |
|---|---|---|---|
| Rent | $1,200–$2,300 | $2,500–$4,000 | Depends on apartment size and neighborhood |
| Groceries | $300–$500 | $800–$1,200 | Weekly shopping at local or chain stores |
| Utilities | $120–$250 | $250–$400 | Electricity, gas, water, internet |
| Transportation | $100–$270 | $250–$600 | Public transit, car, rideshares |
| Dining & entertainment | $150–$400 | $400–$800 | Restaurants, coffee, movies, events |
| Healthcare & insurance | $200–$400 | $700–$1,500 | Insurance premiums and out-of-pocket costs |
FAQ: Living Cost in Chicago (2025–2026)
Q1. How much does a single person spend monthly in Chicago?
$1,800–$2,800 per month excluding rent for a modest lifestyle.
Q2. How much does a family of four spend?
$4,000–$6,000 per month, depending on housing, transportation, and lifestyle.
Q3. Which neighborhoods are most affordable?
Suburban areas like Oak Park, Cicero, and Evanston are cheaper than Downtown or Gold Coast.
Q4. How much is public transportation?
$100–$150/month for unlimited CTA rides, plus occasional rideshares or Metra costs.
Q5. What is the average grocery cost?
$300–$500/month for a single person, $800–$1,200 for a family of four.
Q6. Are utilities expensive in Chicago?
Utilities cost $120–$250/month for a single person and $250–$400/month for a family.
Q7. How can I save on living costs?
Choose affordable neighborhoods, use public transit, cook at home, and take advantage of discounts and energy-efficient practices.