Monthly Budget in Chicago for a Single Adult
What it costs one working adult, no dependents to live in Chicago, IL in 2026.
$2,185
Total Monthly
$4,856
Salary Needed
107
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $1,284 |
| Essential | Groceries & household supplies | $44 |
| Essential | Utilities (electric, gas, water) | $18 |
| Essential | Transportation (gas, transit, maintenance) | $31 |
| Essential | Car insurance | $158 |
| Essential | Health insurance (individual) | $56 |
| Lifestyle | Internet & streaming | $80 |
| Lifestyle | Phone plan (1 line) | $85 |
| Lifestyle | Dining out & takeout | $268 |
| Lifestyle | Entertainment & recreation | $161 |
| Essentials Subtotal | $1,591 | |
| Lifestyle Subtotal | $594 | |
| Total Monthly Budget | $2,185 |
💡 Salary Needed: To live in Chicago as a one working adult, no dependents with a 20% savings margin, you need approximately $4,856/year before taxes.Check affordability →