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Source-led head-to-head · 2024 ACS

Moving from Fayetteville to Chicago

Based on 2024 ACS 5-year data, Chicago has higher median household income ($77,902 vs $58,407) and higher median gross rent ($1,440 vs $1,250) than Fayetteville, NC. Chicago’s longer commute (36 vs 21 minutes) is offset by its elevated income, while Fayetteville offers lower housing costs relative to income. Illinois applies a 4.95% state individual income tax in the model, though this is not a personal liability calculation. Neither city universally dominates; the trade-off depends on whether prioritizing income and urban access (Chicago) or lower housing burden and shorter commute (Fayetteville) aligns more closely with individual preferences.

Corridor Direction & Trade-off Delta

Moving from Fayetteville to Chicago

⇄ Switch to ChicagoFayetteville
Median Rent Impact
+$190/mo

Moving to Chicago costs ~$2,280 more/yr in rent.

State Tax Treatment
+5.0%

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

Daily Commute Difference
+15 min / day

Difference of ~125 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 VERDICTFAYCHI
49/ 100

The offer needs work

Your modeled annual room improves.
Estimated annual life delta+$4,560after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$30,000$32,280
Commute time117 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, Fayetteville is about $2,280 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.

Fayetteville household income$58,407
Chicago household income$77,902
Fayetteville gross rent$1,250
Chicago gross rent$1,440

Housing, income, and tax reference

MetricFayettevilleChicago
2024 ACS population210,8152,711,226
Median household income$58,407$77,902
Median gross rent$1,250$1,440
Median owner-occupied home value$188,000$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 21 minutes in Fayetteville 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 model

What each city wins

Fayetteville

Citywide data. Watch housing vs income.

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 do housing costs compare relative to income in each city?

In Fayetteville, median gross rent is $1,250 per month on a $58,407 income, while in Chicago, rent is $1,440 on a $77,902 income. Rent represents a slightly larger share of income in Chicago, though absolute income is higher.

What is the trade-off between commute time and income between the two cities?

Chicago residents earn more on average but face a 36-minute commute, 15 minutes longer than Fayetteville’s 21-minute average. The higher income in Chicago may compensate for the longer travel time depending on individual priorities.

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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