Moving from Detroit to Chicago
Your paycheck buys about the same in Chicago as in Detroit. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Chicago: $76,100
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $76,100 in Chicago, IL to match $75,000 in Detroit, MI ($1,100 more), after 2026 taxes and local prices.
Single filer, W-2 salary. Uses Michigan and Illinois state income tax; includes Detroit resident tax $1,786 (inside city limits).
Prices and housing cover the metro area; taxes use Michigan and Illinois, their principal states. A metro can span several states; living in its other state can change the tax result.
Detroit vs Chicago: key facts
- Median rent
- $1,248 → $1,469/mo
- Median home value
- $271,600 → $339,700
- Median household income
- $76,403 → $90,770
- Price level (U.S. = 100)
- 100.3 → 103.6
- FEMA county-score mean
- Very high county-score mean (95.7 → 97.1 of 100)
Detroit vs Chicago cost of living
The vertical line marks the U.S. average (100).
| Measure | Detroit, MI | Chicago, IL |
|---|---|---|
| Overall price level (U.S. = 100) | 100.3 | 103.6 |
| Median rent | $1,248 | $1,469 |
| Income to rent affordably (30%) | $49,920 | $58,760 |
| Median home value | $271,600 | $339,700 |
| Monthly cost to own (20% down) | $1,869 | $2,506 |
| Income needed to buy | $80,079 | $107,402 |
| Median property tax | $3,489 | $6,461 |
| State income tax on $75,000 | $2,937 | $3,568 |
| City income tax (inside city limits) | $1,786 | None |
| Metro population | 4,400,578 | 9,406,924 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $75,000, rounded from Detroit's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state, plus the income tax the principal city charges its residents. Unticking a city's box in the calculator estimates typical suburban tax for living and working outside that tax area; a nonresident city tax for work inside the city is not modeled. A metro can span several states; residence in its other state can change the tax result.
- Detroit, MI: Detroit residents pay a 2.4% city income tax on all income, after a $600 exemption per person. If you live outside Detroit but work in the city, you still pay the 1.2% nonresident rate on those wages. Most suburbs have no city income tax; Hamtramck, Highland Park and Pontiac are exceptions. Fixed examples inside the modeled tax area include this tax; calculator totals follow your city-limit selections.
Your yearly budget: Detroit vs Chicago
This fixed budget example uses $75,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On a $75,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $43,065 a year in Detroit and $45,810 in Chicago if you rent: $2,745 more after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $52,037 and $59,773 ($7,736 more).
Your yearly budget, before vs after
| Yearly cost | DetroitBefore | ChicagoAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $75,000, single filer | $18,130 | $16,975 | -$1,155 |
| Car insurance one car, state average | $1,444 | $1,153 | -$291 |
| Gas 12,000 miles at 25 mpg | $2,239 | $2,302 | +$63 |
| Health insurance one adult, age 40, own plan before subsidies | $6,276 | $7,752 | +$1,476 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $14,976 | $17,628 | +$2,652 |
| Total if you rent | $43,065 | $45,810 | +$2,745 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $17,769 | $22,224 | +$4,455 |
| Property tax median home | $3,489 | $6,461 | +$2,972 |
| Homeowners insurance state median, with a mortgage | $1,164 | $1,387 | +$223 |
| Electricity state average bill | $1,526 | $1,519 | -$7 |
| Total if you buy | $52,037 | $59,773 | +$7,736 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $14,064 a year in Detroit and $19,601 in Chicago (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from Detroit to Chicago
About 1,966 households (2,469 people) moved from the Detroit metro area to the Chicago metro area in 2022–2023, making Chicago the #2 destination for people leaving Detroit among the 149 metro areas we cover. 1,281 households moved the other way. Their average adjusted gross income was $78,540.
Cost to move from Detroit to Chicago
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $350–$840 |
| Moving container | $1,140–$2,200 |
| Full-service movers | $1,900–$5,370 |
Natural hazard risk: Detroit vs Chicago
RelocateMath's population-weighted means of FEMA county risk scores are 95.7 for the Detroit area and 97.1 for the Chicago area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $265 vs $443 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Chicago cheaper than Detroit?
Overall prices in the Chicago area are 3.3% higher than in Detroit (BEA Regional Price Parities 2024). Median rent is $1,469 vs $1,248 a month, and the median home is $339,700 vs $271,600.
What salary do I need in Chicago to match $100,000 in Detroit?
About $101,200 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Uses Michigan and Illinois state income tax. This illustration stays fixed when calculator inputs change.
How much does it cost to move from Detroit to Chicago?
For a 2–3 bedroom home over about 280 miles: roughly $350–$840 with a rental truck, $1,140–$2,200 with a container, or $1,900–$5,370 with full-service movers.
How many people move from Detroit to Chicago?
IRS county migration data for 2022–2023 show about 1,966 households (2,469 people) moved from the Detroit metro area to the Chicago metro area, and 1,281 moved the other way.
Related
Where people from Detroit move
- Detroit to Ann Arbor 3,948 households
- Detroit to Grand Rapids 1,606 households
- Detroit to New York 1,026 households
- Dallas 989 households
- Phoenix 820 households
- Los Angeles 813 households
- Atlanta 768 households
- Miami 720 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing. Local-tax references retain their own publication or filing years. Some documents cover an earlier filing year; a source link is not a claim that every rule has just been rechecked.