Chicago, IL vs Chattanooga, TN
Moving from Chicago to Chattanooga? Here's what changes — from your equivalent salary to housing ($353,998 → $326,370 median home) and taxes.
Chicago vs Chattanooga at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Chicago, IL, you'd need about $90,110 in Chattanooga, TN (−$9,890).
Livability — Chicago, IL: 63 · Chattanooga, TN: 67 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,402 sqft in Chicago vs 3,064 sqft in Chattanooga ($208 vs $163 per sqft).
Annual cost breakdown (at $100,000)
| Category | Chicago, IL | Chattanooga, TN | Difference |
|---|---|---|---|
| Housing | $27,192 | $18,360 | −$8,832 |
| Groceries | $5,215 | $4,704 | −$512 |
| Transportation | $3,550 | $3,130 | −$420 |
| Utilities | $2,208 | $1,608 | −$600 |
| Insurance | $1,900 | $2,200 | +$300 |
| Taxes | $14,141 | $4,907 | −$9,234 |
| Total | $54,206 | $34,908 | −$19,298 |
Side by side
| Metric | Chicago, IL | Chattanooga, TN |
|---|---|---|
| Cost-of-living index | 102.5 | 92.3 |
| Unemployment rate | 6.19% | 4.49% |
| Population growth (5-yr) | 0.2% | 2.9% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.83 | $5.25 |
| Median home price | $353,998 | $326,370 |
| Home price ÷ income | 4.2× | 5.0× |
| 1-yr home appreciation | 4.4% | 0.2% |
| Price per square foot | $208 | $163 |
| Median rent | $2,266 | $1,530 |
| Total tax burden (% income) | 12.9% | 7.6% |
| Combined sales tax | 8.86% | 9.55% |
| Capital gains tax | 4.95% | None |
| Property tax rate | 2.11% | 0.71% |
| Healthcare (annual) | $6,800 | $6,300 |
| Childcare (annual, infant) | $14,000 | $9,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 31 | 24 |
| Home insurance / yr | $1,900 | $2,200 |
| Auto insurance / yr | $1,600 | $1,600 |
| Flood insurance / yr | $700 | $700 |
| Earthquake insurance / yr | $300 | $350 |
| Electricity ¢/kWh | 20.5 | 14.9 |
| Gas $/gal | 3.60 | 2.95 |
| Natural gas / mo | $82 | $62 |
| Water & sewer / mo | $57 | $121 |
| Home internet / mo | $77 | $80 |
| Violent crime /100k | 430 | 600 |
| Avg summer high °F | 85 | 89 |
| Avg winter low °F | 15 | 30 |
| Annual precipitation (in) | 40.9 | 50.5 |
| Annual snowfall (in) | 38.8 | 4.7 |
| Sunshine (% possible) | 54% | 60% |
| Permit difficulty (1–5) | 4 | 2 |