PhiladelphiavsChicago
Overall
💰+5.1%
Philadelphia is 5.1%more expensive
Rent
🏠+18.2%
Housing is 18.2% higher
Dining
🍽️+6.7%
Restaurants 6.7% pricier
Groceries
🛒-5.9%
Food shopping 5.9% less
Comparing the cost of living between Philadelphia, United States and Chicago, United States reveals significant insights for anyone considering relocation or travel in 2025. Our comprehensive analysis shows that Philadelphia is more expensive than Chicago by approximately 5.1%. 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 Philadelphia are lower than in Chicago by 15%. A one-bedroom apartment in Philadelphia's city center costs around $1,800, while the same in Chicago is approximately $2,200.
Dining out in Philadelphia costs about the same compared to Chicago. An inexpensive restaurant meal costs $18 in Philadelphia versus $18 in Chicago.
Public transportation in Philadelphia is more affordable, with monthly passes at $96 compared to $105 in Chicago.
Purchasing power in Chicago is notably stronger, meaning residents can afford more goods and services with their local salaries compared to Philadelphia.
Monthly Budget Breakdown
When breaking down monthly expenses, a single person in Philadelphia can expect to spend approximately $624 per month (excluding rent), while in Chicago, the same lifestyle would cost around $638. For families, these figures increase significantly, with a family of four requiring about $2,183 monthly in Philadelphia versus $2,232 in Chicago. 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 Philadelphia to Chicago, 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 Chicago to Philadelphia 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
Philadelphia
Chicago
Frequently Asked Questions
Is Philadelphia more expensive than Chicago?
Yes, Philadelphia is approximately 5.1% more expensive than Chicago overall. The biggest differences are in housing and restaurant prices.
How much salary do I need in Philadelphia compared to Chicago?
To maintain the same standard of living, you would need approximately 1.1x of your Chicago salary when living in Philadelphia. For example, if you earn $50,000 in Chicago, you'd need about $52,564 in Philadelphia for a comparable lifestyle.
What are the biggest cost differences between Philadelphia and Chicago?
The most significant cost difference is in housing. Rent prices differ by approximately 15%, 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?
Chicago offers better purchasing power, making it more attractive for those earning in strong currencies. However, Chicago provides lower living costs, which benefits budget-conscious travelers. Consider Philadelphia if you prioritize cultural experiences, or Chicago for better value.
What's a reasonable monthly budget for Philadelphia vs Chicago?
In Philadelphia, a single person needs approximately $1,924 per month (including rent), while a family of four requires about $4,383. In Chicago, these figures are $2,238 for singles and $5,032 for families. These estimates include housing, food, transportation, and basic entertainment.
The cost of living comparison between Philadelphia and Chicago in 2025 shows moderate 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.
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Find out how much you need to earn in Chicago to maintain your lifestyle from Philadelphia
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