Huntsville vs Chicago

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Alabama salaries · Illinois salaries

Living in Huntsville vs Chicago

Housing is typically the biggest factor in any cost-of-living comparison. Huntsville has a housing index of 79 while Chicago sits at 112 (national average = 100). The median home in Huntsville costs $260,000 compared to $310,000 in Chicago, a difference of $50,000. Monthly rent follows a similar pattern: $1,200 in Huntsville versus $1,700 in Chicago.

Groceries and everyday expenses show a notable difference: Huntsville scores 96 while Chicago scores 104. Both cities are close to the national average for grocery costs.

Healthcare costs in Huntsville (93) are lower than Chicago (101). Both are close to the national average.

Median household income in Huntsville is $56,098 compared to $62,097 in Chicago. When adjusted for cost of living, income goes further in Huntsville.

Relocating: Huntsville vs Chicago

If you are considering a move between Huntsville (index: 91) and Chicago (index: 107), the 15% cost difference has real implications for your budget. Huntsville is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Huntsville can afford $1,309/month, while the median household in Chicago can afford $1,449/month. With median homes at $260,000 in Huntsville versus $310,000 in Chicago, both cities offer reasonable homeownership opportunities at median income.

Renting vs buying: At $1,200/month in Huntsville and $1,700/month in Chicago, renters save significantly in Huntsville. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes further in Huntsville where costs are 9% below the national average. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Huntsville (91) vs Chicago (107)

The cost of living index uses 100 as the national average. Huntsville at 91 is 9% below the US average, while Chicago at 107 is 7% above average. Both cities are close to the national average in overall costs.

The overall index is a weighted average of housing (the largest component), groceries, utilities, transportation, and healthcare. Housing typically drives the biggest differences between cities. Even when two cities have similar overall indices, their category-level costs can vary significantly — one city might have expensive housing but cheap groceries, while another is the reverse. Check the category breakdown above for the full picture.

For renters: With median rents of $1,200/month in Huntsville and $1,700/month in Chicago, the annual rent difference is approximately $6,000. Over a 5-year period, that compounds to $30,000 in savings by choosing the more affordable city.

For homebuyers: The $50,000 difference in median home prices between Huntsville and Chicago translates to roughly $3,000 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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