Chicago is about 4% less expensive than Jacksonville overall - $100,000 in Jacksonville is worth about $96,032 in Chicago.
Housing costs in Chicago and Jacksonville are fairly close. The median home in Chicago is $315,200 compared to $266,100 in Jacksonville - a modest gap that won’t dominate your relocation math.
Renters see the same pattern. The typical apartment in Chicago costs $1,380/month versus $1,375/month in Jacksonville. But income matters too: the median household in Chicago earns $75,134 and in Jacksonville earns $66,981. That means rent swallows about 22.0% of median income in Chicago and 24.6% in Jacksonville.
Scale is another factor. Chicago is a much larger metro (2,707,648 people) compared to Jacksonville (961,739), which affects job market depth, commute times, and amenities.
Monthly cost breakdown: Chicago vs Jacksonville
These estimates use BLS Consumer Expenditure Survey shares scaled by each city’s cost-of-living index. Housing uses the city’s actual median rent; ownership uses a 6.7%, 30-year mortgage with 10% down on the median home.
| Category | Chicago (rent) | Jacksonville (rent) | Chicago (own) | Jacksonville (own) |
|---|---|---|---|---|
| Housing | $1,380 | $1,375 | $1,831 | $1,545 |
| Transportation | $1,064 | $911 | $1,064 | $911 |
| Food | $837 | $716 | $837 | $716 |
| Healthcare | $525 | $450 | $525 | $450 |
| Other | $1,868 | $1,599 | $1,868 | $1,599 |
| Total | $5,674 | $5,051 | $6,124 | $5,221 |
Scenario: who actually wins?
The Renter
If you rent a median apartment and keep other spending typical, your monthly nut in Chicago is roughly $16,560 per year in rent alone - $60 more than in Jacksonville. Add utilities, food, and transport and the annual gap widens. The crossover point: you need to earn about $96,032 in Chicago to match $100,000 in Jacksonville.
The First-Time Buyer
A 10% down payment on the median home costs $31,520 in Chicago versus $26,610 in Jacksonville. On a 30-year fixed mortgage at 6.7%, the monthly P&I difference is roughly $285. Over five years, that’s $17,109 in extra (or saved) housing costs.
The Remote Worker
If your salary is locked to a national scale regardless of location, Jacksonville is the obvious win. A $120,000 remote salary in Jacksonville has the purchasing power of about $124,959 in Chicago. The catch: some employers use location-based pay bands, which can erase part of that advantage.
The Family of Four
With two median incomes, a household in Chicago earns roughly $112,701 and in Jacksonville earns $100,472. After housing, the next biggest budget line is usually childcare and education - costs that vary less by city than housing does. The family math usually comes down to: can you afford the home you want on local salaries? In Chicago, that answer is harder.
Chicago vs Jacksonville: the numbers
| Metric | Chicago | Jacksonville | Difference |
|---|---|---|---|
| Cost-of-living index (US=100) | 104 | 99 | -4% |
| Median rent | $1,380 | $1,375 | -0% |
| Median home value | $315,200 | $266,100 | -16% |
| Median household income | $75,134 | $66,981 | -11% |
Cost of living = BEA Regional Price Parities (US average = 100). Rent, home value, and income from the U.S. Census ACS. See our methodology.
What your salary is worth
A $100,000 salary in Chicago has the same buying power as about $96,032 in Jacksonville. Going the other way, $100,000 in Jacksonville is like $104,132 in Chicago.
Use the calculator below to compare any salary between Chicago and Jacksonville.
Job market snapshot: Chicago vs Jacksonville
Highest-paying roles with available data - median salary, not average, to avoid skew from senior outliers.
| Role | Chicago | Jacksonville |
|---|---|---|
| Marketing Manager | $155,750 | $130,040 |
| Software Developer | $129,180 | $121,250 |
| Data Scientist | $108,580 | $101,190 |
| Physical Therapist | $103,270 | $100,930 |
| Police Officer | $102,520 | - |
| Mechanical Engineer | - | $93,550 |
Moving from Chicago to Jacksonville: a practical checklist
Before you pack, run the numbers on these five items:
- Total compensation, not just base salary. Factor in bonuses, stock, 401(k) match, and remote-work stipends.
- Housing math for your situation. Rent vs. buy changes the winner. Use our calculator above to model both.
- State income tax. Chicago and Jacksonville are in different states, so your take-home pay will shift even if your gross salary stays flat. See our paycheck calculator for the exact difference.
- Commute and transportation. Gas, insurance, and tolls vary by metro. Check whether your new commute is longer or shorter.
- Healthcare network coverage. If you have employer-sponsored insurance, confirm your preferred doctors and hospitals are in-network in Jacksonville.
Run these through our cost-of-living calculator with your actual salary to get a personalized answer.