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Moving from Augusta-Richmond County to Chicago

Based on 2024 ACS 5-year data, Chicago has higher median household income ($77,902 vs $55,485) and higher median gross rent ($1,440 vs $1,142) than Augusta-Richmond County. Chicago’s longer commute (36 vs 23 minutes) and inclusion of a 4.95% state income tax in the calculator offset some income advantages, while Augusta’s lower housing costs improve affordability despite lower earnings.

Corridor Direction & Trade-off Delta

Moving from Augusta-Richmond County to Chicago

⇄ Switch to ChicagoAugusta-Richmond County
Median Rent Impact
+$298/mo

Moving to Chicago costs ~$3,576 more/yr in rent.

State Tax Treatment
+5.0%

~$4,950 more state tax on a $100k salary in Illinois.

Daily Commute Difference
+13 min / day

Difference of ~108 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

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What matters most?

Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.

LIVE VERDICTAUGCHI
48/ 100

The offer needs work

Your modeled annual room improves.
Estimated annual life delta+$3,264after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$28,704$32,280
Commute time102 hours lost
Best gainMedian rent is 22% of median income, below common affordability benchmarks.
Watch closelyLower rent burden may reflect older housing stock or income distribution, not necessarily lower housing quality or availability.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Augusta-Richmond County is about $3,576 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.

Augusta-Richmond County household income$55,485
Chicago household income$77,902
Augusta-Richmond County gross rent$1,142
Chicago gross rent$1,440

Housing, income, and tax reference

MetricAugusta-Richmond CountyChicago
2024 ACS population201,5282,711,226
Median household income$55,485$77,902
Median gross rent$1,142$1,440
Median owner-occupied home value$178,400$334,100
State-tax treatmentExcluded4.95% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in Chicago?

2024 ACS Median Income

$77,902/yr

30% Rule for RentRecommended
$57,600 / year

To afford Chicago's median gross rent of $1,440/mo at or below 30% of gross earnings, a household needs approximately $27.69/hour (full-time).

28% Rule for HomeownershipMedian Home
$84,729 / year

Modeled against Chicago's median home benchmark of $334,100 (estimated $1,977/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$77,902gross/year
Affordability Status:Comfortable
Rent is 22% of gross income (33% of net pay)

At this income, median rent is only 22% of gross pay, leaving strong room for savings and essentials.

Monthly Budget AllocationEstimated Net Take-Home: $4,408/mo
Tax 32%
Rent 22%
Essentials 19%
Savings 27%
Taxes: $2,077/mo Rent: $1,440/mo Essentials: $1,250/mo Discretionary Margin: $1,718/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 23 minutes in Augusta-Richmond County and 36 minutes in Chicago. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.

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Decision checklist

  • Median household income
  • Median gross rent
  • One-way commute time
  • State income tax in calculator

What each city wins

Augusta-Richmond County

Moderate home values. Watch rent vs owner-occupied costs.

Chicago

Median rent is 22% of median income, below common affordability benchmarks.. Watch lower rent burden may reflect older housing stock or income distribution, not necessarily lower housing quality or availability..

Frequently asked questions

How does housing affordability compare between the two cities?

Augusta-Richmond County has lower median gross rent ($1,142) and median home value ($178,400) than Chicago ($1,440 rent, $334,100 home value), making housing more affordable there despite lower incomes.

What role does commute time play in the cost-of-living comparison?

Chicago residents have a longer average one-way commute (36 minutes) compared to Augusta-Richmond County (23 minutes), which may increase transportation costs and reduce effective disposable income despite higher wages.

Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.

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