City comparison
Chicago, IL vs Jacksonville, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Chicago, IL are 4.1% higher than in Jacksonville, FL. Someone earning $100,000 in Jacksonville, FL would need about $104,100 in Chicago, IL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,581 a month in Chicago, IL versus $1,382 in Jacksonville, FL. On $100,000, that's 26% of take-home pay in Chicago, IL and 21% in Jacksonville, FL.
- On $100,000, estimated state income tax is about $4,805 a year higher in Chicago, IL than in Jacksonville, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by −10.5% moving from Chicago, IL to Jacksonville, FL ($118,984 → $106,437), while prices change by −4.0%. Net effect of the transfer: −6.8% in real buying power.
- Chicago, IL: price level 103.6 (pricier)
- Jacksonville, FL: price level 99.5 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Chicago, IL | Jacksonville, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.6 | 99.5 |
| $100,000 is worth, in the other city2 | $96,032 in Jacksonville | $104,132 in Chicago |
| Typical 1-bedroom rent3 | $1,581/mo | $1,382/mo |
| Take-home on $100,00014,15,8 | $74,375 | $79,180 |
| State income tax on $100,000 (estimate)8 | $4,805 (IL) | $0 (FL) |
| Rent burden on $100,000 | 26% | 21% |
| Median pay, all jobs4 | $54,720 | $48,830 |
| Federal locality pay area7 | Chicago-Naperville, IL-IN-WI | Rest of U.S. |
Rent areas: Chicago-Joliet-Naperville, IL HUD Metro FMR Area and Jacksonville, FL HUD Metro FMR Area. Metro areas: Chicago-Naperville-Elgin, IL-IN and Jacksonville, FL.
What costs more or less
| Price level (U.S. = 100) | Chicago | Jacksonville |
|---|---|---|
| Housing (rent) | 112.0 | 109.8 |
| Goods | 107.3 | 96.2 |
| Utilities | 83.6 | 87.5 |
| Other services | 100.5 | 98.9 |
| Overall | 103.6 | 99.5 |
Moving with the same $100,000 salary
Chicago, IL → Jacksonville, FL
Same pay goes further
Buying power +4.1%; rent takes 21% of take-home; state tax −$4,805/yr.
82 Strong offer
Jacksonville, FL → Chicago, IL
Same pay buys less
Buying power −4.0%; rent takes 26% of take-home; state tax +$4,805/yr.
56 Fair offer
On the GS pay scale?
Chicago, IL is in the Chicago-Naperville, IL-IN-WI pay area; Jacksonville, FL is in Rest of U.S.. The last column shows what a transfer from Chicago, IL to Jacksonville, FL at the same grade and step does to real buying power.
| Grade5,2 | Chicago, IL | Jacksonville, FL | Real change, Chicago → Jacksonville |
|---|---|---|---|
| GS-9 step 1 | $68,999 | $61,722 | −6.9% |
| GS-11 step 1 | $83,482 | $74,678 | −6.8% |
| GS-12 step 1 | $100,059 | $89,508 | −6.8% |
| GS-13 step 1 | $118,984 | $106,437 | −6.8% |
| GS-14 step 1 | $140,604 | $125,776 | −6.8% |
Pay for common jobs
| Median annual pay4 | Chicago, IL | Jacksonville, FL | Jacksonville pay in Chicago dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $78,390 | $61,080 | $63,604 (−18.9%) |
| Software Developers | $134,380 | $130,330 | $135,716 (+1.0%) |
| Accountants and Auditors | $82,360 | $79,960 | $83,264 (+1.1%) |
| Registered Nurses | $100,490 | $83,520 | $86,971 (−13.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.