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Source-led head-to-head · 2024 ACS

Moving from Santa Clarita to Chicago

Based on 2024 ACS 5-year data, Santa Clarita has a higher median household income ($123,062) and home value ($784,700) than Chicago ($77,902 and $334,100), but also significantly higher median gross rent ($2,544 vs $1,440). Commute times are nearly identical (37 vs 36 minutes). Chicago applies a 4.95% state income tax in the model, while Santa Clarita’s tax is excluded per data boundaries. The trade-off reflects Santa Clarita’s higher earnings and housing costs versus Chicago’s lower income but more affordable housing and modeled tax burden.

Corridor Direction & Trade-off Delta

Moving from Santa Clarita to Chicago

⇄ Switch to ChicagoSanta Clarita
Median Rent Impact
-$1,104/mo

Moving to Chicago saves ~$13,248/yr in rent.

State Tax Treatment
+5.0%

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

Daily Commute Difference
-1 min / day

Difference of ~8 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
71/ 100

Worth serious consideration

Your modeled annual room improves.
Estimated annual life delta+$20,088after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$45,528$32,280
Commute time8 hours gained
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 $13,248 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 Clarita household income$123,062
Chicago household income$77,902
Santa Clarita gross rent$2,544
Chicago gross rent$1,440

Housing, income, and tax reference

MetricSanta ClaritaChicago
2024 ACS population230,2212,711,226
Median household income$123,062$77,902
Median gross rent$2,544$1,440
Median owner-occupied home value$784,700$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 37 minutes in Santa Clarita 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 home value
  • Modeled state income tax

What each city wins

Santa Clarita

Median rent consumes nearly a quarter of median income.. Watch higher incomes offset high housing costs, but rent burden remains notable..

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?

Santa Clarita has a higher median gross rent ($2,544) and home value ($784,700) compared to Chicago ($1,440 rent, $334,100 home value), despite its substantially higher median income, indicating a higher housing cost burden relative to earnings in Santa Clarita.

How do commute times compare between the two cities?

Commute times are very similar: Santa Clarita averages 37 minutes one-way and Chicago averages 36 minutes, based on 2024 ACS weighted midpoints from table B08303, showing minimal difference in travel time despite differing city sizes and regional contexts.

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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