Overall
- Chicago-Naperville-Elgin
- 103.6
- Bozeman
- 102.5
Diff -1.1 RPP
Chicago-Naperville-Elgin vs Bozeman
Cost of living comparison based on BEA Regional Price Parities. Bozeman is 1% less expensive than Chicago-Naperville-Elgin.
1% less expensive
Bozeman, MT is 1% less expensive than Chicago-Naperville-Elgin, IL-IN on BEA Regional Price Parities (overall RPP 102.5 vs 103.6). A $100,000 salary in Chicago-Naperville-Elgin buys about the same as $98,953 in Bozeman; the largest component gap is rents.
- Overall RPP 103.6 (Chicago-Naperville-Elgin) vs 102.5 (Bozeman)
- $100k in Chicago-Naperville-Elgin ≈ $98,953 purchasing power in Bozeman
- Rents drives the gap (+27.2 RPP points)
RPP parity plate
Pair IL:MT 103.6→102.5
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-ABOVE · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE IL × MT
- SPLIT-BUDGET Split budget
- BOTH-ABOVE Both above 100
- PP-PAR PP near-par
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.
Chicago-Naperville-Elgin
103.6
Cost Index
Bozeman
102.5
Cost Index
What This Comparison Actually Tells You
Chicago-Naperville-Elgin, IL-IN and Bozeman, MT are a photo finish on overall price level, only 1.1 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Rents creates the largest separation: Bozeman is 27.2 points higher. But rents move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros exceed the U.S. benchmark of 100. The choice is between two national premiums, so local wages need to clear the higher baseline in either market.
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 Chicago-Naperville-Elgin corresponds to $98,953 in Bozeman.
Category Breakdown
Goods
- Chicago-Naperville-Elgin
- 107.3
- Bozeman
- 96.0
Diff -11.3 RPP
Services
- Bozeman
- 73.6
Diff -9.9 RPP
Rents
- Chicago-Naperville-Elgin
- 112.0
- Bozeman
- 139.2
Diff +27.2 RPP
| Category | Chicago-Naperville-Elgin | Bozeman | Difference |
|---|---|---|---|
| Overall | 103.6 | 102.5 | -1.1 |
| Goods | 107.3 | 96.0 | -11.3 |
| Services | 83.6 | 73.6 | -9.9 |
| Rents | 112.0 | 139.2 | +27.2 |
Visual Comparison
Overall
Chicago-Naperville-Elgin 103.6
Bozeman 102.5
Goods
Chicago-Naperville-Elgin 107.3
Bozeman 96.0
Services
Chicago-Naperville-Elgin 83.6
Bozeman 73.6
Rents
Chicago-Naperville-Elgin 112.0
Bozeman 139.2
Vertical line = national average (100)
Salary Equivalents
What a salary in Chicago-Naperville-Elgin would need to be in Bozeman for the same purchasing power:
| In Chicago-Naperville-Elgin | In Bozeman | Difference |
|---|---|---|
| $50,000 | $49,476 | $-524 |
| $75,000 | $74,214 | $-786 |
| $100,000 | $98,953 | $-1,047 |
| $150,000 | $148,429 | $-1,571 |
$ in Chicago-Naperville-Elgin = in Bozeman
Same BEA Regional Price Parity ratio as the table above (103.6 → 102.5), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Bozeman more expensive than Chicago-Naperville-Elgin?
Bozeman is 1% less expensive than Chicago-Naperville-Elgin. The overall cost index is 102.5 vs 103.6 (national average = 100).
What salary in Bozeman equals $100K in Chicago-Naperville-Elgin?
A $100,000 salary in Chicago-Naperville-Elgin has the same purchasing power as $98,953 in Bozeman. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Chicago-Naperville-Elgin and Bozeman?
Rents in Chicago-Naperville-Elgin are indexed at 112.0 while Bozeman is at 139.2 (national average = 100). Bozeman 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.