Side-by-side cost of living comparison for 2026
Median Income: $119,136
Population: 873,965
Median Income: $65,781
Population: 2,693,976
When comparing San Francisco and Chicago, the overall cost of living differs by 50%. San Francisco carries a cost index of 224 compared to Chicago's 112, meaning your dollar stretches 50% further in Chicago.
Housing is where the most significant gap appears between these two cities. Chicago has a housing index of 118 compared to San Francisco's 295. This 177-point difference translates to substantial monthly savings on rent or mortgage payments in Chicago.
Chicago is more affordable across all categories.
Chicago is more affordable for: Housing, Food & Groceries, Transportation, Healthcare, Utilities, Entertainment, Taxes.
If you earn $60,000 in San Francisco, you would need $30,000 in Chicago to maintain the same standard of living. For a $100,000 salary, the equivalent would be $50,000.
The median household income in San Francisco is $119,136 compared to $65,781 in Chicago. While San Francisco has higher incomes, the higher cost of living may offset this advantage.
Safety: San Francisco scores 5/10 while Chicago scores 4/10 in our safety assessment.
Weather: San Francisco has an edge in climate with a 8/10 weather score compared to Chicago's 4/10.
Job Market: San Francisco's job market (9/10) is stronger than Chicago's (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. San Francisco may justify its higher costs with a thriving job market that many residents find worthwhile.
