Chicago, IL vs. Bolingbrook, IL: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Chicago vs Bolingbrook. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Chicago vs Bolingbrook in 2025.
Housing Costs
Housing is often the biggest factor in cost of living differences. Here's how typical housing expenses compare between Chicago and Bolingbrook:
| Housing Type | Chicago | Bolingbrook |
|---|---|---|
| Median 2BR Apartment Rent | $2,350 | $1,800 |
| Median 3BR Home Price | $450,000 | $350,000 |
🏆 Winner: Bolingbrook
Utilities and Energy Costs
Utility costs can vary based on home size, energy usage, and local rates. On average, Chicagoans can expect monthly utility bills around:
- Electricity: $120
- Natural Gas: $80 in summer, $150 in winter
- Water/Sewer/Trash: $60
In Bolingbrook, similar homes typically have utility costs about 10% lower across the board thanks to milder weather and newer construction.
🏆 Winner: Bolingbrook
Groceries and Daily Expenses
Grocery prices tend to be similar between Chicago and Bolingbrook. Expect to spend around $400-500 per month on groceries for a couple. Dining out is about 15% cheaper in Bolingbrook compared to Chicago.
🏆 Winner: Bolingbrook
Taxes and Fees
Illinois has a flat income tax rate of 4.95%. However, there are some key differences in local taxes:
- Chicago sales tax: 10.25%
- Bolingbrook sales tax: 8.25%
- Chicago property tax rate: 2.1%
- Bolingbrook property tax rate: 2.5%
In Chicago, HOA fees often include amenities like fitness centers and rooftop lounges. Bolingbrook HOAs are typically more modest.
🏆 Winner: Chicago
Cost Summary
| Expense | Chicago | Bolingbrook |
|---|---|---|
| Housing | $2,350 | $1,800 |
| Utilities | $310 | $280 |
| Groceries | $500 | $450 |
| Transportation | $150 | $400 |
| Taxes | 10.25% sales tax | 8.25% sales tax |
| Estimated Monthly Total* | $3,310 | $2,930 |
Lifestyle Fit
While Bolingbrook offers more affordable living overall, Chicago provides an unbeatable urban experience. Consider:
- Chicago averages 5°F colder than Bolingbrook in winter. Be prepared for icy lake effect weather.
- Chicago offers world-class public transit, while most Bolingbrook residents rely on cars. Expect to pay more for parking and gas in the city.
- Nature lovers may prefer Bolingbrook for its parks and preserves. City dwellers will love Chicago's walkability to dining, nightlife and the lakefront.
Frequently Asked Questions
Is Chicago more affordable than Bolingbrook?
Overall, Bolingbrook offers a lower cost of living than Chicago. Housing, utilities, and many daily expenses tend to be cheaper in Bolingbrook.
Which city has lower rent?
Bolingbrook has lower typical rent than Chicago. Plan for roughly $1,800/month for a 2BR apartment in Bolingbrook compared to $2,350/month in Chicago.
Where is it cheaper to buy a home?
Bolingbrook has lower median home prices than Chicago. Expect to pay around $350,000 for a typical 3BR house in Bolingbrook versus $450,000 in Chicago.
The Bottom Line
Choosing between Chicago and Bolingbrook comes down to your budget, lifestyle, and priorities. Bolingbrook offers more affordable suburban living, extra space, and an easier commute. Chicago boasts unrivaled culture, dining, and public transit at a higher price point.
For more insights, check out our guides on Monthly Budget Examples for Chicago Residents and Cost of Living in Chicago (2025 Guide). Whichever you choose, we hope this comparison helps you find the perfect fit!