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Source-led head-to-head · 2024 ACS

Moving from Port St. Lucie to Chicago

Based on 2024 ACS 5-year data, Port St. Lucie has a higher median household income ($80,648 vs $77,902) and higher median home value ($369,200 vs $334,100) than Chicago, but also higher median gross rent ($1,937 vs $1,440). Chicago has a slightly longer average commute (36 vs 33 minutes) and applies a 4.95% state individual income tax in the calculator, while Port St. Lucie’s state tax is excluded per data boundaries. These trade-offs reflect differing cost-of-living and income dynamics.

Corridor Direction & Trade-off Delta

Moving from Port St. Lucie to Chicago

⇄ Switch to ChicagoPort St. Lucie
Median Rent Impact
-$497/mo

Moving to Chicago saves ~$5,964/yr in rent.

State Tax Treatment
+5.0%

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

Daily Commute Difference
+3 min / day

Difference of ~25 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 VERDICTPORCHI
64/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$12,804after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$38,244$32,280
Commute time23 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 $5,964 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.

Port St. Lucie household income$80,648
Chicago household income$77,902
Port St. Lucie gross rent$1,937
Chicago gross rent$1,440

Housing, income, and tax reference

MetricPort St. LucieChicago
2024 ACS population232,4912,711,226
Median household income$80,648$77,902
Median gross rent$1,937$1,440
Median owner-occupied home value$369,200$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 33 minutes in Port St. Lucie 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
  • Median owner-occupied home value
  • One-way commute time
  • State individual income tax treatment

What each city wins

Port St. Lucie

Median rent consumes 28.8% of median income.. Watch lower rent burden may offset higher transportation or non-housing 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

Which city has higher housing costs relative to income?

Port St. Lucie has higher median gross rent ($1,937) and home value ($369,200) than Chicago ($1,440 rent, $334,100 value), despite its slightly higher income, indicating a higher housing cost burden.

How do commute times and taxes compare between the two cities?

Chicago residents have a slightly longer average commute (36 minutes) than Port St. Lucie (33 minutes), and the calculator applies a 4.95% state income tax for Chicago while excluding state tax for Port St. Lucie due to data source boundaries.

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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