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Source-led head-to-head · 2024 ACS

Moving from Worcester to Chicago

Comparing Worcester, Massachusetts, and Chicago, Illinois, using 2024 ACS 5-year estimates reveals distinct trade-offs in population scale, income, housing costs, and commute times. Worcester has an estimated population of 207,055, a median household income of $70,102, a median gross rent of $1,487 per month, a median owner-occupied home value of $374,400, and a derived one-way commute of 27 minutes. In contrast, Chicago supports a much larger population of 2,711,226 with a median household income of $77,902, a slightly lower median gross rent of $1,440 per month, a median owner-occupied home value of $334,100, and a longer derived one-way commute of 36 minutes. Furthermore, Chicago incorporates a simplified state individual income-tax reference of 4.95%, whereas Worcester's state individual income tax is excluded due to lack of an approved official reference. Neither profile establishes neighborhood safety, schools, weather, insurance, or job quality.

Corridor Direction & Trade-off Delta

Moving from Worcester to Chicago

⇄ Switch to ChicagoWorcester
Median Rent Impact
-$47/mo

Moving to Chicago saves ~$564/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 VERDICTWORCHI
54/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$7,404after essentials; unverified state tax excluded
Take-home$69,208$76,048
Core costs$32,844$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 $564 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.

Worcester household income$70,102
Chicago household income$77,902
Worcester gross rent$1,487
Chicago gross rent$1,440

Housing, income, and tax reference

MetricWorcesterChicago
2024 ACS population207,0552,711,226
Median household income$70,102$77,902
Median gross rent$1,487$1,440
Median owner-occupied home value$374,400$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 Worcester 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

  • Worcester has a smaller population of 207,055 compared to Chicago's 2,711,226.
  • Chicago features a higher median household income of $77,902 versus Worcester's $70,102.
  • Worcester records a higher median owner-occupied home value of $374,400 than Chicago's $334,100.
  • Worcester offers a shorter derived commute of 27 minutes compared to Chicago's 36 minutes.

What each city wins

Worcester

A median owner-occupied home value of $374,400.. Watch a 27-minute derived commute against citywide median 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

How do median gross rents compare between Worcester and Chicago?

According to 2024 ACS 5-year estimates, Worcester has a median gross rent of $1,487 per month, while Chicago's median gross rent is slightly lower at $1,440 per month. These figures represent citywide ACS data rather than live asking rents.

What are the population and commute time differences between the two cities?

Worcester is the smaller city with an estimated population of 207,055 and a derived one-way commute of 27 minutes. Chicago is significantly larger with 2,711,226 residents and a longer derived one-way commute of 36 minutes.

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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