Pensacola, FL vs Chicago, IL
Moving from Pensacola to Chicago? Here's what changes — from your equivalent salary to housing ($310,470 → $353,998 median home) and taxes.
Pensacola vs Chicago 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 Pensacola, FL, you'd need about $106,924 in Chicago, IL (+$6,924).
Livability — Pensacola, FL: 70 · Chicago, IL: 63 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,980 sqft in Pensacola vs 2,402 sqft in Chicago ($168 vs $208 per sqft).
Annual cost breakdown (at $100,000)
| Category | Pensacola, FL | Chicago, IL | Difference |
|---|---|---|---|
| Housing | $21,180 | $27,192 | +$6,012 |
| Groceries | $4,813 | $5,215 | +$402 |
| Transportation | $4,800 | $3,550 | −$1,250 |
| Utilities | $1,656 | $2,208 | +$552 |
| Insurance | $4,200 | $1,900 | −$2,300 |
| Taxes | $3,897 | $14,141 | +$10,244 |
| Total | $40,546 | $54,206 | +$13,660 |
Side by side
| Metric | Pensacola, FL | Chicago, IL |
|---|---|---|
| Cost-of-living index | 95.8 | 102.5 |
| Unemployment rate | 5.65% | 6.19% |
| Population growth (5-yr) | 7.0% | 0.2% |
| Air quality (median AQI) | 46 | 56 |
| Big Mac price (est.) | $5.45 | $5.83 |
| Median home price | $310,470 | $353,998 |
| Home price ÷ income | 4.5× | 4.2× |
| 1-yr home appreciation | 0.7% | 4.4% |
| Price per square foot | $168 | $208 |
| Median rent | $1,765 | $2,266 |
| Total tax burden (% income) | 9.1% | 12.9% |
| Combined sales tax | 7.02% | 8.86% |
| Capital gains tax | None | 4.95% |
| Property tax rate | 0.62% | 2.11% |
| Healthcare (annual) | $7,500 | $6,800 |
| Childcare (annual, infant) | $10,000 | $14,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 26 | 31 |
| Home insurance / yr | $4,200 | $1,900 |
| Auto insurance / yr | $2,900 | $1,600 |
| Flood insurance / yr | $1,400 | $700 |
| Earthquake insurance / yr | $100 | $300 |
| Electricity ¢/kWh | 15.4 | 20.5 |
| Gas $/gal | 3.35 | 3.60 |
| Violent crime /100k | 380 | 430 |
| Avg summer high °F | 91 | 85 |
| Avg winter low °F | 52 | 15 |
| Permit difficulty (1–5) | 3 | 4 |