ChicagovsSan Francisco
Overall
💰+28.0%
Chicago is 28.0%more expensive
Rent
🏠+69.2%
Housing is 69.2% higher
Dining
🍽️+31.3%
Restaurants 31.3% pricier
Groceries
🛒+31.3%
Food shopping 31.3% more
Comparing the cost of living between Chicago, United States and San Francisco, United States reveals significant insights for anyone considering relocation or travel in 2025. Our comprehensive analysis shows that Chicago is more expensive than San Francisco by approximately 28.0%. This comparison covers essential living expenses including housing, food, transportation, and utilities, providing you with a complete picture of what to expect financially in each city.
Key Cost Differences
Housing costs in Chicago are lower than in San Francisco by 41%. A one-bedroom apartment in Chicago's city center costs around $2,200, while the same in San Francisco is approximately $3,800.
Dining out in Chicago offers significant savings compared to San Francisco. An inexpensive restaurant meal costs $18 in Chicago versus $22 in San Francisco.
Public transportation in Chicago is more expensive, with monthly passes at $105 compared to $98 in San Francisco.
Grocery shopping in Chicago is more affordable by approximately 24%. Basic items like milk, bread, and eggs show lower prices across the board.
Monthly Budget Breakdown
When breaking down monthly expenses, a single person in Chicago can expect to spend approximately $638 per month (excluding rent), while in San Francisco, the same lifestyle would cost around $778. For families, these figures increase significantly, with a family of four requiring about $2,232 monthly in Chicago versus $2,724 in San Francisco. These estimates include groceries, dining out, transportation, utilities, and entertainment, providing a realistic picture of day-to-day living costs in each city.
Detailed Cost Comparison
🏠 Housing Costs (Monthly Rent)
🍽️ Food & Dining
🛒 Groceries
🚌 Transportation
💡 Utilities & Internet
Tips for Moving Between Cities
For those considering a move from Chicago to San Francisco, the cost savings can be substantial, particularly in housing and daily expenses. However, it's important to factor in salary differences and job opportunities. Conversely, moving from San Francisco to Chicago requires careful financial planning. Consider negotiating salary adjustments that reflect the higher cost of living, and research neighborhoods outside the city center for more affordable housing options while maintaining reasonable commute times.
Quality of Life Indices
Chicago
San Francisco
Frequently Asked Questions
Is Chicago more expensive than San Francisco?
Yes, Chicago is approximately 28.0% more expensive than San Francisco overall. The biggest differences are in housing and restaurant prices.
How much salary do I need in Chicago compared to San Francisco?
To maintain the same standard of living, you would need approximately 1.3x of your San Francisco salary when living in Chicago. For example, if you earn $50,000 in San Francisco, you'd need about $64,024 in Chicago for a comparable lifestyle.
What are the biggest cost differences between Chicago and San Francisco?
The most significant cost difference is in housing. Rent prices differ by approximately 41%, making it a major factor in your budget planning. Transportation and utilities show smaller variations between the two cities.
Which city is better for expats and digital nomads?
San Francisco offers better purchasing power, making it more attractive for those earning in strong currencies. However, San Francisco provides lower living costs, which benefits budget-conscious travelers. Consider Chicago if you prioritize cultural experiences, or San Francisco for better value.
What's a reasonable monthly budget for Chicago vs San Francisco?
In Chicago, a single person needs approximately $2,238 per month (including rent), while a family of four requires about $5,032. In San Francisco, these figures are $3,578 for singles and $7,724 for families. These estimates include housing, food, transportation, and basic entertainment.
The cost of living comparison between Chicago and San Francisco in 2025 shows significant differences across various expense categories. Whether you're planning a relocation for work, considering retirement options, or simply curious about living costs, understanding these differences is crucial for making informed financial decisions.
Need to calculate salary equivalence?
Find out how much you need to earn in San Francisco to maintain your lifestyle from Chicago
Calculate Salary Equivalence