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Source-led head-to-head · 2024 ACS

Moving from Frisco to Chicago

Based on the 2024 ACS 5-year estimates, comparing Frisco, Texas and Chicago, Illinois reveals distinct trade-offs across population, income, housing, commute, and tax structures. Frisco features a smaller population of 219,304, a significantly higher median household income of $150,212, higher median gross rents of $2,014, and an owner-occupied home value of $642,100, alongside a 30-minute derived commute and no state individual income tax mention. Conversely, Chicago hosts a much larger population of 2,711,226, a lower median household income of $77,902, more modest median gross rents at $1,440, a home value of $334,100, a slightly longer 36-minute commute, and a simplified state individual income tax reference of 4.95%. Both share a uniform non-housing baseline of $1,250 per month, emphasizing that higher earnings in Frisco counterbalance steeper housing costs, while Chicago offers lower entry housing prices against lower median earnings and a state tax.

Corridor Direction & Trade-off Delta

Moving from Frisco to Chicago

⇄ Switch to ChicagoFrisco
Median Rent Impact
-$574/mo

Moving to Chicago saves ~$6,888/yr in rent.

State Tax Treatment
+5.0%

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

Daily Commute Difference
+6 min / day

Difference of ~50 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 VERDICTFRICHI
57/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$13,728after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$39,168$32,280
Commute time47 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, Chicago is about $6,888 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.

Frisco household income$150,212
Chicago household income$77,902
Frisco gross rent$2,014
Chicago gross rent$1,440

Housing, income, and tax reference

MetricFriscoChicago
2024 ACS population219,3042,711,226
Median household income$150,212$77,902
Median gross rent$2,014$1,440
Median owner-occupied home value$642,100$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 30 minutes in Frisco 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 differences
  • Gross rent and home value variations
  • Derived one-way commute times
  • State income tax references

What each city wins

Frisco

Median household income of $150,212 against a median home value of $642,100.. Watch a high median household income paired with a $642,100 median home value and $2,014 median gross rent..

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 the populations of Frisco and Chicago compare?

According to the 2024 ACS 5-year estimates, Frisco has a population of 219,304, whereas Chicago is substantially larger with 2,711,226 residents.

What are the housing cost differences between the two cities?

The 2024 ACS 5-year data shows Frisco has a median gross rent of $2,014 and a median owner-occupied home value of $642,100, compared to Chicago's median gross rent of $1,440 and home value of $334,100.

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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