Is it cheaper to live in Philadelphia or Chicago for monthly utilities?

Chicago, IL is approximately 4% cheaper than Philadelphia, PA in average monthly utilities ($365/mo vs $380/mo), saving approximately $15 per month or $180 annually.

How do residential electric rates compare between Philadelphia and Chicago?

Residential electricity in Philadelphia is $0.178 per kWh served by PECO Energy Company, compared to $0.162 per kWh in Chicago served by ComEd (Commonwealth Edison).

What is the average water and sewer bill in Philadelphia compared to Chicago?

In Philadelphia, the minimum water and sewer base meter charge is $37.00/month with Tier 1 volumetric water priced at $4.60 per 1,000 gallons. In Chicago, baseline fixed meter fees are $36.00/month with Tier 1 water at $4.40 per 1,000 gallons.

How do weather and climate affect seasonal utility bills in Philadelphia vs Chicago?

Philadelphia experiences 1350 Cooling Degree Days (CDD) with a peak summer AC cost spike of 42%, whereas Chicago records 1050 CDD with a summer spike of 38%. Heating Degree Days (HDD) are 4700 in Philadelphia versus 6100 in Chicago.

Philadelphia, PA vs Chicago, IL Utility Costs Comparison (2026)

Interactive Simulation

Household Sizing Simulator

Select your home type to adjust estimated monthly consumption for Philadelphia and Chicago.

Philadelphia Est.

$380/mo

Power:$172

Water & Sewer:$108

Gas & Trash:$87

Projected Variance

+$15/mo

Chicago saves your household roughly $180 per year at this consumption tier.

Chicago Est.

$365/mo

Power:$161

Water & Sewer:$89

Gas & Trash:$100

Head-to-Head Utility Tariff Breakdown

Direct comparison of published rates, electric tariffs, and municipal meter charges.

EIA-861 Calibrated

Utility Component	Philadelphia, PA	Chicago, IL
⚡ Residential Electric Rate ($/kWh)	$0.178 / kWh	$0.162 / kWh
Electric Monthly Customer Base Fee	$11.50/mo	$15.50/mo
Electric Provider & Market Structure	PECO Energy Company Deregulated REP Market	ComEd (Commonwealth Edison) Deregulated REP Market
♨️ Natural Gas Rate ($/Therm)	$1.45 / Therm	$1.25 / Therm
Natural Gas Fixed Customer Charge	$22.00/mo	$34.50/mo
💧 Water Base Meter Charge (5/8" - 3/4")	$17.50/mo	$18.00/mo
Water Tier 1 Volumetric (per 1,000 gal)	$4.60	$4.40
Water Tier 2 Conservation (per 1,000 gal)	$6.90	$6.20
Wastewater / Sewer Rates	Base: $19.50/mo Volumetric: $7.20/1k gal	Base: $18.00/mo Volumetric: $4.40/1k gal
🗑️ Curbside Solid Waste & Recycling	$0.00/mo	$9.50/mo
Stormwater Drainage Clean Water Fee	$15.00/mo	$0.00/mo
Initial Move-in Deposit / Connection Fee	Deposit: $150 – $300 Turn-on: $25.00	Deposit: $150 – $300 Turn-on: $25.00

Climate & Seasonal HVAC Load Drivers

NOAA degree-day data dictating peak air conditioning and heating power spikes.

NOAA 1991–2020 Normals

Climate Indicator	Philadelphia, PA	Chicago, IL
☀️ Cooling Degree Days (CDD)	1,350 CDD	1,050 CDD
❄️ Heating Degree Days (HDD)	4,700 HDD	6,100 HDD
Peak Summer AC Bill Volatility	+42% Summer Spike	+38% Summer Spike
Regional Climate Summary	Four-season Mid-Atlantic climate with PA PUC deregulated electric choice and storm water billing.	Continental climate with severe winter cold and heating loads, plus hot humid summer cycles.

Clean Energy & Solar Economics

Rooftop solar irradiance and net metering rules to mitigate high utility bills.

NREL Solar Data

Solar Component	Philadelphia, PA	Chicago, IL
☀️ Daily Peak Sun Hours	4.5 hrs/day	4.4 hrs/day
Net Metering / Export Compensation	PA PUC 1:1 net metering with annual customer compensation at Price-to-Compare.	Illinois Shines (IPA) solar rebates + ComEd full 1:1 net metering credit.
City Solar Calculator	Philadelphia Solar Estimator →	Chicago Solar Estimator →

🏙️ Philadelphia Official Estimator

Philadelphia, PA Utility Calculator

Access the interactive multi-utility calculator, municipal moving checklists, and verified billing schedules for Philadelphia.

ZIP: philadelphia Open Philadelphia Hub →

🏙️ Chicago Official Estimator

Chicago, IL Utility Calculator

Access the interactive multi-utility calculator, municipal moving checklists, and verified billing schedules for Chicago.

ZIP: chicago Open Chicago Hub →

Common Inquiries

Frequently Asked Questions: Philadelphia vs Chicago

Direct answers to key cost of living and utility comparison questions.

Is it cheaper to live in Philadelphia or Chicago for utilities? ▼

Chicago, IL is approximately 4% cheaper than Philadelphia, PA in overall monthly utility bills ($365/mo vs $380/mo). A typical household saves around $15 per month or $180 annually.

How do residential electric rates compare per kilowatt-hour? ▼

Residential electricity in Philadelphia costs $0.178 per kWh supplied by PECO Energy Company, compared to $0.162 per kWh in Chicago served by ComEd (Commonwealth Edison). For a home consuming 1,000 kWh per month, this rate difference accounts for $16.00 in monthly energy charges before fixed customer meter charges.

What is the water and sewer rate difference between Philadelphia and Chicago? ▼

In Philadelphia, the minimum fixed water meter charge is $17.50/mo plus $19.50/mo sewer baseline. In Chicago, the base water fee is $18.00/mo with $18.00/mo sewer baseline. Volumetric Tier 1 water is $4.60/1k gal in Philadelphia versus $4.40/1k gal in Chicago.

How does weather and climate impact summer and winter power bills? ▼

Philadelphia logs 1,350 Cooling Degree Days with a 42% summer AC bill surge. Conversely, Chicago records 1,050 CDD with a 38% summer surge. Heating Degree Days measure 4,700 in Philadelphia versus 6,100 in Chicago.

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📍 Popular Comparisons for Chicago

Chicago vs New York City, NY $365 vs $440 → Chicago vs Los Angeles, CA $365 vs $395 → Chicago vs Houston, TX $365 vs $370 → Chicago vs Phoenix, AZ $365 vs $390 →

Philadelphia, PA vs Chicago, IL

Philadelphia

Chicago

Executive Summary & Citability Passage