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Source-led head-to-head · 2024 ACS

Moving from Santa Ana to Chicago

The 2024 ACS 5-year estimates reveal distinct profiles for Santa Ana, California, and Chicago, Illinois. Santa Ana boasts a higher median household income and median owner-occupied home value, but also a higher median gross rent. In contrast, Chicago has a larger population and a lower median gross rent, but also a lower median household income. The derived one-way commute estimate is shorter in Santa Ana. Considering the housing-income-commute-tax trade-off, individuals must weigh the importance of each factor. For instance, a higher income in Santa Ana may be offset by higher housing costs, while Chicago's lower rent may be accompanied by a longer commute and lower income. The state individual income-tax reference also differs, with Chicago's calculator using a 4.95% rate. Ultimately, the decision depends on individual priorities and circumstances.

Corridor Direction & Trade-off Delta

Moving from Santa Ana to Chicago

⇄ Switch to ChicagoSanta Ana
Median Rent Impact
-$642/mo

Moving to Chicago saves ~$7,704/yr in rent.

State Tax Treatment
+5.0%

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

Daily Commute Difference
+9 min / day

Difference of ~75 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 VERDICTSANCHI
61/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$14,544after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$39,984$32,280
Commute time70 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 $7,704 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.

Santa Ana household income$93,999
Chicago household income$77,902
Santa Ana gross rent$2,082
Chicago gross rent$1,440

Housing, income, and tax reference

MetricSanta AnaChicago
2024 ACS population312,5342,711,226
Median household income$93,999$77,902
Median gross rent$2,082$1,440
Median owner-occupied home value$713,000$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 27 minutes in Santa Ana 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 income
  • housing costs
  • commute time
  • tax rates

What each city wins

Santa Ana

Median rent consumes over a quarter of median income.. Watch higher home values may reflect long-term equity but increase entry barriers..

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 a higher median household income?

Santa Ana, California, with a median household income of $93,999.

How do the median gross rents compare between the two cities?

Santa Ana's median gross rent is $2,082, while Chicago's is $1,440.

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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