Cost of Living in Chicago, IL
Chicago, IL scores 106 on the cost-of-living index — about 6% more expensive than the US average of 100, and #30 of 77 US cities we track.
Compare your salary: Chicago vs any US city
Enter where you live now and what you earn — see the equivalent salary needed in Chicago to keep the same standard of living.
To live the way $100,000 affords in Chicago, IL, you would need about $176,415 in New York City, NY — roughly 76.4% more.
| Category | Chicago | New York City | Diff |
|---|---|---|---|
| Overall index | 106 | 187 | +76% |
| Housing | 113 | 287 | +154% |
| Groceries | 103 | 137 | +33% |
| Utilities | 103 | 130 | +26% |
| Transportation | 103 | 120 | +17% |
| Healthcare | 102 | 128 | +25% |
Chicago cost-of-living breakdown
| Category | Index | vs US avg |
|---|---|---|
| Overall | 106 | +6% |
| Housing | 113 | +13% |
| Groceries | 103 | +3% |
| Utilities | 103 | +3% |
| Transportation | 103 | +3% |
| Healthcare | 102 | +2% |
Note These are approximate comparative estimates on a US-average = 100 scale (the C2ER/ACCRA and BestPlaces convention). Category sub-indices are modeled from the overall composite. Actual costs vary by neighborhood, household and lifestyle — treat the numbers as directional.
Frequently asked questions
Is Chicago expensive to live in?
Chicago, IL has a cost-of-living index of 106, where the US average is 100. That makes it about 6% more expensive than a typical US city, and ranks it #30 of 77 cities in our index. Housing is the biggest single factor, with a housing index of 113.
What is the cost-of-living index for Chicago?
The overall index is 106 (US average = 100). By category: housing 113, groceries 103, utilities 103, transportation 103 and healthcare 102. A value above 100 means costlier than average; below 100 means cheaper.
How much salary do I need to live in Chicago?
It depends on where you're moving from. Use the calculator above: enter your current city and salary, and it scales your pay by the ratio of the two cities' indices to show the equivalent salary needed in Chicago to keep the same standard of living.
How is the Chicago cost-of-living index calculated?
It is a comparative estimate on the same US-average = 100 scale used by the C2ER/ACCRA Cost of Living Index and BestPlaces, spanning housing, groceries, utilities, transportation and healthcare. Category sub-indices are modeled from the overall composite. These are approximate estimates — actual costs vary by neighborhood, household and lifestyle.
Which is the cheapest category in Chicago?
In Chicago, healthcare is the most affordable category relative to the US average (index 102), while housing is the priciest (index 113).