Chicago vs San Antonio

Cost of living and salary reality, side by side. At $60-80k, $70,000 in Chicago feels like approximately $49,010 in San Antonio.

Data: 2026-Q2 · BLS · HUD · KFF

Your $60-80k in Chicago feels like $49,010 in San Antonio. Moving would decrease your purchasing power by 30%.

Income
Housing

Chicago

San Antonio

Breathing Room
 
Housing Pressure
low
 
low
1BR Rent
$1,581/mo
 
$1,177/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.
 
San Antonio is one of the strongest value remote work markets — low housing costs, no state income tax, and Texas Hill Country proximity.
Walk Score
77
 
37
Comfortable
$60-80k · Chicago vs San Antonio
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 San Antonio each fit different priorities — the right one depends on what you're building toward.

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Chicago profile San Antonio profile Run Reality Check →
FAQ

Chicago vs San Antonio — FAQ

Is it cheaper to live in Chicago or San Antonio?

HUD FY2026 1BR Fair Market Rent is $1,581/mo in Chicago and $1,177/mo in San Antonio. San Antonio has lower median housing costs. Source: HUD FY2026 FMR.

How much do I need to earn in San Antonio to match Chicago?

At a $60-80k income, $70,000 in Chicago feels like approximately $49,010 in San Antonio — a reduction of about 30% in purchasing power.

What is the state tax difference between Chicago and San Antonio?

Chicago is in IL (IL levies income tax) and San Antonio is in TX (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.