Chicago vs Arlington Cost of Living
Arlington is approximately 9.5% cheaper than Chicago. See salary equivalence, taxes, and side-by-side breakdown.
Chicago, IL
Arlington, TX
| Salary in Chicago | Equivalent in Arlington | Difference |
|---|---|---|
| $50,000 | $45,200 | -$4,800 (-9.6%) |
| $75,000 | $67,900 | -$7,100 (-9.5%) |
| $100,000 | $90,500 | -$9,500 (-9.5%) |
| $150,000 | $135,700 | -$14,300 (-9.5%) |
| $200,000 | $181,000 | -$19,000 (-9.5%) |
Chicago vs Arlington: which is more affordable?
On an overall cost-of-living basis, Arlington is 9.5% cheaper than Chicago. That means if you currently spend $5,000/month in Chicago, you'd spend approximately $4,524 for the same lifestyle in Arlington. Or: $100,000 in Chicago ≈ $90,476 in Arlington for equivalent purchasing power.
These multipliers are based on Bureau of Economic Analysis Regional Price Parities and reflect average housing, food, transportation, and services costs. Real personal costs vary by neighborhood (urban core vs suburb), housing choice (rent vs own, apartment vs house), and lifestyle (frequency of dining out, car-dependent vs transit, etc.).
Tax differences
Illinois has state income tax, but Texas doesn't. Moving from Chicago to Arlington eliminates state income tax — saving ~5% effective on income, or roughly $5,000/year on $100K.
What costs more (and less) in Arlington
Cost of living differences are driven mostly by housing — typically the biggest expense category. Arlington's housing index (0.61×) compared to Chicago's (0.79×) is the dominant factor.
Food, groceries, and transportation typically vary 5–15% between metros — much less than housing. For a couple moving from Chicago to Arlington, expect roughly:
- Rent / mortgage: -23% lower
- Groceries: -6% lower
- Transportation: -4% lower
- Healthcare, services: roughly proportional to overall index
Things this calculator can't fully capture
- Quality-of-life: weather, walkability, school quality, crime rates, commute times — not in the index.
- Career opportunities: a metro with higher cost-of-living often pays correspondingly higher salaries for the same role. See our salary calculator by job and city.
- Family situation: childcare, school district, eldercare costs vary independently of overall index.
- Lifestyle preferences: a frugal renter pays less than the index suggests; a property owner in a hot market might pay much more.
Related tools
Chicago Paycheck Calculator — exact take-home in Chicago. Arlington Paycheck Calculator — exact take-home in Arlington. Salary Calculator — hourly ↔ annual conversion. Inflation Calculator — purchasing power over time. Mortgage Calculator — what you can afford.