By Ziv Shay | Updated April 2026
Side-by-side cost of living comparison for 2026
Median Income: $90,842
Population: 689,545
Median Income: $65,781
Population: 2,693,976
When comparing Washington DC and Chicago, the overall cost of living differs by 29.1%. Washington DC carries a cost index of 158 compared to Chicago's 112, meaning your dollar stretches 29% further in Chicago.
Housing is where the most significant gap appears between these two cities. Chicago has a housing index of 118 compared to Washington DC's 195. This 77-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 Washington DC, you would need $42,532 in Chicago to maintain the same standard of living. For a $100,000 salary, the equivalent would be $70,886.
The median household income in Washington DC is $90,842 compared to $65,781 in Chicago. While Washington DC has higher incomes, the higher cost of living may offset this advantage.
Safety: Washington DC scores 5/10 while Chicago scores 4/10 in our safety assessment.
Weather: Washington DC has an edge in climate with a 6/10 weather score compared to Chicago's 4/10.
Job Market: Washington DC'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. Washington DC may justify its higher costs with a thriving job market that many residents find worthwhile.
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