New York vs Chicago

Cost of living comparison for 2026. Chicago is roughly 58% more affordable than New York (index 75 vs 179, New York = 100). Data sourced live via AI — updated regularly.

Chicago
More affordable overall
58% cheaper than New York · Cost index: 75 vs 179

Head-to-Head Stats

179Cost Index75
5,344Median Income /mo6,250
72Safety Index52
37Income Tax %28
450Internet (Mbps)940
400Coworking /mo350

Price Breakdown

New YorkCategoryChicago
$5,161/month
1-BR Apartment (Center)
54% ← cheaper
$2,368/month
$5.43/liter
Meal for One
76% ← cheaper
$1.28/liter
$18/meal
Restaurant (Mid-range)
$18/meal
$120/month
Monthly Transit Pass
38% ← cheaper
$75/month
$275/month
Utilities (Monthly)
34% ← cheaper
$182/month
$200/visit
Doctor Visit
25% ← cheaper
$150/visit

Digital Nomad Profile

New York

Internet450 Mbps
Coworking$400/mo
Café WiFiexcellent
Englishhigh
Communitylarge
Walkability89/100

Chicago

Internet940 Mbps
Coworking$350/mo
Café WiFiexcellent
Englishhigh
Communitylarge
Walkability78/100

Frequently Asked Questions

Is New York cheaper than Chicago?

Chicago is cheaper than New York. Chicago has a cost of living index of 75/100 compared to 179/100 for New York, making it roughly 58% more affordable overall.

How much cheaper is Chicago than New York?

Chicago is approximately 58% cheaper than New York based on cost index scores (75 vs 179, where New York = 100). A person spending $3,000/month in New York could live a similar lifestyle for roughly $1,257/month in Chicago.

What is the rent comparison between New York and Chicago?

In New York, a 1-bedroom apartment in the city center costs approximately $5,161/month. In Chicago, the equivalent is around $2,368/month.

Which city is better for digital nomads — New York or Chicago?

Both cities have nomad infrastructure. New York offers 450 Mbps internet and coworking at ~$400/month. Chicago offers 940 Mbps and coworking at ~$350/month. Chicago has a cost advantage of 58%.

What is the average income in New York vs Chicago?

The median net monthly salary in New York is approximately $5,344 USD, compared to $6,250 USD in Chicago.

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