Moving from Chicago, IL-IN to San Francisco, CA
About 4,007 people made this move in a typical year (Census Bureau metro-to-metro migration flows, ACS 5-year 2016-2020). Here is what the move does to two households’ budgets after 2026 taxes — and the salary each needs in San Francisco, CA.
Single, $70k: line by line
Single adult earning $70,000, renting. Same gross pay in both places; renting at HUD Fair Market Rent (1 bedroom). Taxes take 21.8% of income in Chicago, IL-IN and 21.6% in San Francisco, CA.
Chicago, IL-IN San Francisco, CA (monthly)
| Monthly | Chicago, IL-IN | San Francisco, CA | Difference |
|---|---|---|---|
| Gross income | $5,833 | $5,833 | $0 |
| Taxes | $1,270 | $1,258 | −$12 |
| Federal income tax2026 tax law | $548 | $548 | $0 |
| Social Security + Medicare2026 tax law | $446 | $446 | $0 |
| State income tax2026 tax law | $277 | $189 | −$88 |
| State Disability Insurance (SDI)2026 tax law | $0 | $76 | +$76 |
| Take-home pay | $4,563 | $4,575 | +$12 |
| Housing | $1,780 | $3,003 | +$1,223 |
| Rent, 1-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $1,780 | $3,003 | +$1,223 |
| Food | $472 | $478 | +$5 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 108.5 | $472 | $478 | +$5 |
| Transportation | $164 | $249 | +$85 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 12,000 mi ÷ 25 mpg × $6.23/gal (CA weekly average) | $164 | $249 | +$85 |
| Sales tax | $34 | $39 | +$6 |
| State sales taxState revenue dept. 2026-10-13 · 7.25% on other goods; groceries exempt — local add-ons not modeled | $34 | $39 | +$6 |
| Other goods & services | $1,039 | $1,073 | +$35 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 108.5 | $536 | $542 | +$6 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 106.2 | $502 | $531 | +$29 |
| Left over after modeled costs | $1,074 | −$268 | −$1,341 |
Family of four, $120k: line by line
Two adults, a preschooler and a school-age child, $120,000 combined, renting. Same gross pay in both places; renting at HUD Fair Market Rent (2 bedrooms), center-based childcare in current dollars. Taxes take 16.8% of income in Chicago, IL-IN and 15.5% in San Francisco, CA.
Chicago, IL-IN San Francisco, CA (monthly)
| Monthly | Chicago, IL-IN | San Francisco, CA | Difference |
|---|---|---|---|
| Gross income | $10,000 | $10,000 | $0 |
| Taxes | $1,682 | $1,545 | −$136 |
| Federal income tax2026 tax law · after $4,400 Child Tax Credit | $470 | $470 | $0 |
| Social Security + Medicare2026 tax law | $765 | $765 | $0 |
| State income tax2026 tax law | $447 | $180 | −$266 |
| State Disability Insurance (SDI)2026 tax law | $0 | $130 | +$130 |
| Take-home pay | $8,318 | $8,455 | +$136 |
| Housing | $2,011 | $3,697 | +$1,686 |
| Rent, 2-bedroomHUD FMR FY2027 · 40th-percentile gross rent, includes tenant-paid utilities | $2,011 | $3,697 | +$1,686 |
| Childcare | $1,440 | $4,845 | +$3,405 |
| Childcare, center-basedDOL NDCP 2022 · preschool $477/wk, school-age $438/wk (2022 prices, San Francisco County, CA); × 1.2224 BLS CPI day care, 2022 to 2026-08 | $1,440 | $4,845 | +$3,405 |
| Food | $1,376 | $1,391 | +$15 |
| Food at home (USDA Moderate-Cost plan)USDA food plans August 2026 · US cost × RPP goods 108.5 | $1,376 | $1,391 | +$15 |
| Transportation | $329 | $498 | +$169 |
| GasolineEIA electricity 2025, natural gas 2024, gasoline week ending 2026-10-05 · 24,000 mi ÷ 25 mpg × $6.23/gal (CA weekly average) | $329 | $498 | +$169 |
| Sales tax | $34 | $39 | +$6 |
| State sales taxState revenue dept. 2026-10-13 · 7.25% on other goods; groceries exempt — local add-ons not modeled | $34 | $39 | +$6 |
| Other goods & services | $1,039 | $1,073 | +$35 |
| Other goods (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP goods 108.5 | $536 | $542 | +$6 |
| Other services (estimate)Estimate (BEA RPP 2024) · your US-average baseline × RPP other services 106.2 | $502 | $531 | +$29 |
| Left over after modeled costs | $2,091 | −$3,089 | −$5,180 |
Chicago, IL-IN vs San Francisco, CA at a glance
| Measure | Chicago, IL-IN | San Francisco, CA |
|---|---|---|
| Price level (BEA RPP, US = 100) | 103.6 | 115.6 |
| Housing price level | 112.0 | 194.7 |
| 1-bedroom Fair Market Rent | $1,780 | $3,003 |
| 2-bedroom Fair Market Rent | $2,011 | $3,697 |
| 3-bedroom Fair Market Rent | $2,586 | $4,832 |
| Median home value | $323,000 | $1,140,700 |
| Effective property-tax rate | 1.98% | 0.75% |
| Median household income | $90,887 | $136,027 |
| Center infant care / week (DOL NDCP 2022 unless noted) | $278 | $607 |
| State income tax on wages | Yes | Yes |
| Mandatory local income tax (principal city) | None in our data | None in our data |
| State sales tax | 6.25% | 7.25% |
| Regular gasoline | $4.11 | $6.23 |
| Average electric bill (state) | $127 | $155 |
Sources: BEA RPP 2024; HUD FMR FY2027; Census ACS 2020-2024; DOL NDCP 2022; 2026 tax law; state revenue departments; EIA (electricity 2025, natural gas 2024, gasoline week ending 2026-10-05).
Frequently asked questions
How much do I need to make in San Francisco, CA to keep my Chicago, IL-IN lifestyle?+
For a single renter earning $70,000 in Chicago, IL-IN, about $96,698 in San Francisco, CA (+38.1%). For two adults with a preschooler and a school-age child on $120,000, about $220,587. Both keep the same money left over after 2026 taxes, rent, childcare, food, fuel and other modeled costs.
Is San Francisco, CA cheaper than Chicago, IL-IN?+
On BEA’s 2024 price index, San Francisco, CA is at 115.6 and Chicago, IL-IN at 103.6 (US = 100). After taxes and household costs, a single renter on $70,000 would have −$1,341 a month in San Francisco, CA.
How many people move from Chicago, IL-IN to San Francisco, CA?+
About 4,007 people a year (±801), according to the Census Bureau’s metro-to-metro migration flows (ACS 5-year 2016-2020).
What isn’t included?+
Moving costs, health insurance, car payments and insurance, local sales tax add-ons and differences in wages between the two metros. Add known monthly costs in the calculator’s “Fixed costs / month” field.