Overall
- Albany
- 87.7
- Chicago-Naperville-Elgin
- 103.6
Diff +15.9 RPP
Albany vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 18.2% more expensive than Albany.
18.2% more expensive
Chicago-Naperville-Elgin, IL-IN is 18.2% more expensive than Albany, GA on BEA Regional Price Parities (overall RPP 103.6 vs 87.7). A $100,000 salary in Albany buys about the same as $118,166 in Chicago-Naperville-Elgin; the largest component gap is rents.
- Overall RPP 87.7 (Albany) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Albany ≈ $118,166 purchasing power in Chicago-Naperville-Elgin
- Rents drives the gap (+57.4 RPP points)
RPP parity plate
Pair GA:IL 87.7→103.6
TIER-GAP · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-STEEP
- TIER-GAP Clear tier gap
- CROSS-STATE GA × IL
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-STEEP Steep PP convert
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Category Breakdown
Goods
- Albany
- 96.3
- Chicago-Naperville-Elgin
- 107.3
Diff +11.0 RPP
Services
- Albany
- 88.3
Diff -4.7 RPP
Rents
- Albany
- 54.6
- Chicago-Naperville-Elgin
- 112.0
Diff +57.4 RPP
| Category | Albany | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 87.7 | 103.6 | +15.9 |
| Goods | 96.3 | 107.3 | +11.0 |
| Services | 88.3 | 83.6 | -4.7 |
| Rents | 54.6 | 112.0 | +57.4 |
Visual Comparison
Overall
Albany 87.7
Chicago-Naperville-Elgin 103.6
Goods
Albany 96.3
Chicago-Naperville-Elgin 107.3
Services
Albany 88.3
Chicago-Naperville-Elgin 83.6
Rents
Albany 54.6
Chicago-Naperville-Elgin 112.0
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: Chicago-Naperville-Elgin is 57.4 points higher. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Albany, GA and Chicago-Naperville-Elgin, IL-IN sit in clearly different price tiers, separated by 15.9 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while Albany is below it. That makes the move a change of price regime, not merely a rank swap.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Albany corresponds to $118,166 in Chicago-Naperville-Elgin.
Albany
87.7
Cost Index
Chicago-Naperville-Elgin
103.6
Cost Index
Salary Equivalents
What a salary in Albany would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Albany | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $59,083 | +$9,083 |
| $75,000 | $88,625 | +$13,625 |
| $100,000 | $118,166 | +$18,166 |
| $150,000 | $177,249 | +$27,249 |
$ in Albany = in Chicago-Naperville-Elgin
Same BEA Regional Price Parity ratio as the table above (87.7 → 103.6), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Albany and Chicago-Naperville-Elgin share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 19.0 to 15.9 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 15.9 points between the first and latest shared releases (73.3 to 57.4 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Albany RPP | Chicago-Naperville-Elgin RPP | Relative Gap |
|---|---|---|---|
| 2008 | 86.5 | 105.4 | 19.0 points Chicago-Naperville-Elgin higher |
| 2012 | 87.4 | 105.1 | 17.7 points Chicago-Naperville-Elgin higher |
| 2016 | 89.3 | 103.8 | 14.5 points Chicago-Naperville-Elgin higher |
| 2020 | 83.8 | 104.5 | 20.6 points Chicago-Naperville-Elgin higher |
| 2024 | 87.7 | 103.6 | 15.9 points Chicago-Naperville-Elgin higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Frequently Asked Questions
Is Chicago-Naperville-Elgin more expensive than Albany?
Chicago-Naperville-Elgin is 18.2% more expensive than Albany. The overall cost index is 103.6 vs 87.7 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Albany?
A $100,000 salary in Albany has the same purchasing power as $118,166 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Albany and Chicago-Naperville-Elgin?
Rents in Albany are indexed at 54.6 while Chicago-Naperville-Elgin is at 112.0 (national average = 100). Chicago-Naperville-Elgin has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.