City comparison

Chicago, IL vs Provo, UT

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Chicago, IL are 5.5% higher than in Provo, UT. Someone earning $100,000 in Provo, UT would need about $105,500 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 $1,265 in Provo, UT. On $100,000, that's 26% of take-home pay in Chicago, IL and 20% in Provo, UT.
  • On $100,000, estimated state income tax is about $1,271 a year higher in Chicago, IL than in Provo, UT.
  • For federal employees, locality pay changes a GS-13 step 1 salary by −10.5% moving from Chicago, IL to Provo, UT ($118,984 → $106,437), while prices change by −5.2%. Net effect of the transfer: −5.7% in real buying power.
ChicagoProvo
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Chicago, IL: price level 103.6 (pricier)
  • Provo, UT: price level 98.2 (about average)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Chicago, ILProvo, UT
Price level (U.S. = 100)2103.698.2
$100,000 is worth, in the other city2$94,823 in Provo$105,460 in Chicago
Typical 1-bedroom rent3$1,581/mo$1,265/mo
Take-home on $100,00014,15,8$74,375$75,646
State income tax on $100,000 (estimate)8$4,805 (IL)$3,534 (UT)
Rent burden on $100,00026%20%
Median pay, all jobs4$54,720$48,010
Federal locality pay area7Chicago-Naperville, IL-IN-WIRest of U.S.

Rent areas: Chicago-Joliet-Naperville, IL HUD Metro FMR Area and Provo-Orem-Lehi, UT MSA. Metro areas: Chicago-Naperville-Elgin, IL-IN and Provo-Orem-Lehi, UT.

What costs more or less

Chicago, ILProvo, UT
Price level (U.S. = 100)ChicagoProvo
Housing (rent)112.0104.1
Goods107.396.4
Utilities83.678.6
Other services100.599.0
Overall103.698.2
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Chicago, IL → Provo, UT

Same pay goes further

Buying power +5.5%; rent takes 20% of take-home; state tax −$1,271/yr.

86 Strong offer

Provo, UT → Chicago, IL

Same pay buys less

Buying power −5.2%; rent takes 26% of take-home; state tax +$1,271/yr.

52 Fair offer

On the GS pay scale?

Chicago, IL is in the Chicago-Naperville, IL-IN-WI pay area; Provo, UT is in Rest of U.S.. The last column shows what a transfer from Chicago, IL to Provo, UT at the same grade and step does to real buying power.

Grade5,2Chicago, ILProvo, UTReal change, Chicago → Provo
GS-9 step 1$68,999$61,722−5.7%
GS-11 step 1$83,482$74,678−5.7%
GS-12 step 1$100,059$89,508−5.7%
GS-13 step 1$118,984$106,437−5.7%
GS-14 step 1$140,604$125,776−5.7%

Pay for common jobs

Median annual pay4Chicago, ILProvo, UTProvo pay in Chicago dollars
Elementary School Teachers, Except Special Education$78,390$62,930$66,366 (−15.3%)
Software Developers$134,380$131,210$138,373 (+3.0%)
Accountants and Auditors$82,360$75,700$79,833 (−3.1%)
Registered Nurses$100,490$81,780$86,245 (−14.2%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.