Chicago, IL vs San Francisco, CA
Moving from Chicago to San Francisco? Here's what changes — from your equivalent salary to housing ($353,998 → $1,149,215 median home) and taxes.
Chicago vs San Francisco 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 $114,700 in San Francisco, CA (+$14,700).
Livability — Chicago, IL: 63 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,402 sqft in Chicago vs 653 sqft in San Francisco ($208 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | Chicago, IL | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $27,192 | $39,096 | +$11,904 |
| Groceries | $5,215 | $5,761 | +$546 |
| Transportation | $3,550 | $5,125 | +$1,575 |
| Utilities | $2,208 | $3,804 | +$1,596 |
| Insurance | $1,900 | $1,500 | −$400 |
| Taxes | $14,141 | $24,108 | +$9,967 |
| Total | $54,206 | $79,394 | +$25,188 |
Side by side
| Metric | Chicago, IL | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 102.5 | 117.6 |
| Unemployment rate | 6.19% | 5.22% |
| Population growth (5-yr) | 0.2% | 1.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.83 | $6.69 |
| Median home price | $353,998 | $1,149,215 |
| Home price ÷ income | 4.2× | 8.9× |
| 1-yr home appreciation | 4.4% | -0.8% |
| Price per square foot | $208 | $766 |
| Median rent | $2,266 | $3,258 |
| Total tax burden (% income) | 12.9% | 13.5% |
| Combined sales tax | 8.86% | 8.82% |
| Capital gains tax | 4.95% | 13.30% |
| Property tax rate | 2.11% | 0.72% |
| Healthcare (annual) | $6,800 | $7,200 |
| Childcare (annual, infant) | $14,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 31 | 33 |
| Home insurance / yr | $1,900 | $1,500 |
| Auto insurance / yr | $1,600 | $2,400 |
| Flood insurance / yr | $700 | $750 |
| Earthquake insurance / yr | $300 | $950 |
| Electricity ¢/kWh | 20.5 | 35.3 |
| Gas $/gal | 3.60 | 4.85 |
| Natural gas / mo | $82 | $72 |
| Water & sewer / mo | $57 | $138 |
| Home internet / mo | $77 | $83 |
| Violent crime /100k | 430 | 500 |
| Avg summer high °F | 85 | 84 |
| Avg winter low °F | 15 | 45 |
| Annual precipitation (in) | 40.9 | 22.9 |
| Annual snowfall (in) | 38.8 | 0.0 |
| Sunshine (% possible) | 54% | 66% |
| Permit difficulty (1–5) | 4 | 5 |