Cost of Living in San Francisco vs Chicago

When comparing the cost of living in San Francisco, CA and Chicago, IL, the data shows a clear difference across all major expense categories. San Francisco has a cost index of 194 while Chicago sits at 118 — both measured against the US national average of 100.

The average 1-bedroom apartment in San Francisco rents for $3,450/month, compared to $1,850/month in Chicago. That's a 46% difference in housing costs alone — the single largest expense for most households.

Beyond rent, everyday expenses like groceries, utilities, and transportation also vary significantly. San Francisco residents spend an average of $490/month on groceries, while Chicago residents spend $390/month. Transportation costs are $118/month in San Francisco versus $105/month in Chicago.

In total, the estimated monthly cost of living in San Francisco is $4,806, while Chicago comes in at $2,873. Over a full year, that gap amounts to $23,196 — a meaningful figure for anyone planning a relocation or comparing job offers across these two cities.

Based on current cost-of-living data, Chicago is the more affordable option. Living in Chicago costs approximately 40% less per month than San Francisco, saving residents around $1,933/month or $23,196/year.

Housing is typically the biggest driver of this difference. The lower rent in Chicago ($1,850/month) compared to San Francisco ($3,450/month) accounts for a significant portion of the overall savings. Utilities and groceries also tend to be lower in Chicago.

That said, cost of living is only one factor in a relocation decision. Job market conditions, salary levels, quality of life, climate, and proximity to family all play important roles. Use the calculator above to personalize these numbers based on your actual spending habits — the default figures are city averages and your individual costs may vary.

For a broader comparison, explore our City vs City Comparison Tool or check the Rent Comparison Tool to see how San Francisco and Chicago stack up against other US cities.