Cost of Living in Chicago

Illinois · Population: 2,711,226 · Updated 2026

Average
Cost Index
103.6
100 = US avg
Median Income
$78K
Annual household
Median Rent
$1,440/mo
2-bedroom unit
Rent Burden
22%
Income to rent ratio
Cost Category Breakdown

Indexed to national average (100)

Housing84.7
Groceries330.5
Utilities100.0
Transportation247.2
Healthcare100.0
Economic Details
Median Home Value$334K
State Income Tax4.95%
Unemployment Rate4.5%
Est. Net Income$74K/yr
Affordability Score
98
out of 100
Above national average cost
Salary Converter for Chicago

See what salary you'd need in another city to match your purchasing power in Chicago.

$75,000

About Chicago

Chicago offers big-city amenities at a fraction of the cost of coastal metros. A major center for finance, manufacturing, and healthcare, Chicago provides strong career opportunities with a more affordable lifestyle.

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Frequently Asked Questions

Is Chicago expensive?

Chicago has a cost of living index of 103.6, where 100 represents the national average. This is close to the national average.

What salary do you need to live comfortably in Chicago?

Based on a rent-to-income ratio of 30%, you'd need at least $57,600 to afford the median 2-bedroom apartment in Chicago and maintain basic expenses.

What is the median rent in Chicago?

The median 2-bedroom rent in Chicago is $1,440 per month, according to HUD Fair Market Rent data.