What It Takes To Afford Living In Chicago In 2025

Understanding The Financial Realities Of Living In The Windy City

How Much It Costs For Transportation

People can use Chicago's vast and dependable public transportation system. A monthly CTA pass costs about $75. You should plan to pay for parking, insurance, gas, and maybe tolls if you have a car, though. It can cost $100 to $400 a month just to park in some areas.

Paying for rideshares can get expensive, especially if you use them for long trips or a lot of them. One person might spend between $150 and $500 a month on transportation, based on their wants and way of life.

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People In Chicago Shouldn't Forget About Their Utility And Internet Bills

For a one-bedroom rental, a typical monthly utility cost for water, heat, electricity, and gas is around $150. People usually pay $50 to $70 a month for internet service. It's important to think about how the seasons change if you rent in an older building, because heating costs may go up a lot in the winter.

Extra costs, such as health insurance and extra money for emergencies

With a budget for health care and funds, living in Chicago is also possible. Different plans have very different monthly rates, but for people who buy their own insurance, they can be anywhere from $200 to $500. Finally, it's always a good idea to save at least 10% of your income in case of a disaster.

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How Can You Save Money And Still Live Well?

While still living a happy life, there are smart ways to save money. Some of the easiest things you can do are limiting your eating out costs, choosing an area with cheap housing, and taking the bus or train instead of driving. You can also make a big difference by looking into shared living or lowering your rent.

Plan Ahead And Be Flexible When Making A Budget For Living In Chicago

It's a great place to live and work in Chicago, with a lot of options for arts, job growth, and food. Paying close attention to money is needed to enjoy these rewards, though. New York City residents can find the best mix between comfort and price by learning about the average costs of living there and making smart decisions.

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