Chicago vs Nashville

Cost of living and salary reality, side by side. At $60-80k, $70,000 in Chicago feels like approximately $65,707 in Nashville.

Data: 2026-Q2 · BLS · HUD · KFF

Your $60-80k in Chicago feels like $65,707 in Nashville. Moving would decrease your purchasing power by 6%.

Income
Housing

Chicago

Nashville

Breathing Room
 
Housing Pressure
low
 
low
1BR Rent
$1,581/mo
 
$1,578/mo
State Tax
IL tax applies
 
No income tax
Take-Home /mo
$4,514
 
$4,803
Remote Work Fit
Chicago is a strong remote work city for those who value urban density, transit, and cultural richness at costs substantially below coastal peers.
 
Nashville has become a top remote work destination, combining no state income tax, vibrant social scene, and moderate housing costs.
Walk Score
77
 
29
Comfortable
$60-80k · Chicago vs Nashville
Income Reality Check

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Curious what a raise — or a different path — would change?

THEN — $60-80k
NOW — $60-80k
~$4,514/mo take-home

At $60-80k in Chicago, your picture shifts from comfortable toward comfortable.

No city is objectively better. Chicago and Nashville each fit different priorities — the right one depends on what you're building toward.

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FAQ

Chicago vs Nashville — FAQ

Is it cheaper to live in Chicago or Nashville?

HUD FY2026 1BR Fair Market Rent is $1,581/mo in Chicago and $1,578/mo in Nashville. Nashville has lower median housing costs. Source: HUD FY2026 FMR.

How much do I need to earn in Nashville to match Chicago?

At a $60-80k income, $70,000 in Chicago feels like approximately $65,707 in Nashville — a reduction of about 6% in purchasing power.

What is the state tax difference between Chicago and Nashville?

Chicago is in IL (IL levies income tax) and Nashville is in TN (no state income tax). Source: Tax Foundation 2025.

Which city has more breathing room?

Breathing room depends on your income and housing situation. Use the interactive comparison above to see how each city's picture changes across income bands.

Income Reality Check is an educational tool, not financial advice. Your situation has more dimensions than any tool can capture.