By Ziv Shay | Updated April 2026
Side-by-side cost of living comparison for 2026
Median Income: $65,046
Population: 524,943
Median Income: $65,781
Population: 2,693,976
When comparing Sacramento and Chicago, the overall cost of living differs by 10.4%. Sacramento carries a cost index of 125 compared to Chicago's 112, meaning your dollar stretches 10% further in Chicago.
Housing is where the most significant gap appears between these two cities. Chicago has a housing index of 118 compared to Sacramento's 142. This 24-point difference translates to substantial monthly savings on rent or mortgage payments in Chicago.
Sacramento is more affordable for: Transportation, Healthcare, Entertainment.
Chicago is more affordable for: Housing, Food & Groceries, Utilities, Taxes.
If you earn $60,000 in Sacramento, you would need $53,760 in Chicago to maintain the same standard of living. For a $100,000 salary, the equivalent would be $89,600.
The median household income in Sacramento is $65,046 compared to $65,781 in Chicago. Chicago has higher incomes, along with competitive costs, giving residents strong purchasing power.
Safety: Sacramento scores 5/10 while Chicago scores 4/10 in our safety assessment.
Weather: Sacramento has an edge in climate with a 8/10 weather score compared to Chicago's 4/10.
Job Market: Both cities have comparable job markets at 7/10.
Chicago is the more affordable option overall, but cost is just one factor in deciding where to live. Consider your career opportunities, family needs, and lifestyle preferences alongside the financial comparison. Sacramento may justify its higher costs with excellent weather that many residents find worthwhile.
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