Overall
- Chicago-Naperville-Elgin
- 103.6
Diff -5.9 RPP
Chicago-Naperville-Elgin vs Pensacola-Ferry Pass-Brent
Cost of living comparison based on BEA Regional Price Parities. Pensacola-Ferry Pass-Brent is 5.7% less expensive than Chicago-Naperville-Elgin.
5.7% less expensive
Pensacola-Ferry Pass-Brent, FL is 5.7% less expensive than Chicago-Naperville-Elgin, IL-IN on BEA Regional Price Parities (overall RPP 97.7 vs 103.6). A $100,000 salary in Chicago-Naperville-Elgin buys about the same as $94,326 in Pensacola-Ferry Pass-Brent; the largest component gap is rents.
- Overall RPP 103.6 (Chicago-Naperville-Elgin) vs 97.7 (Pensacola-Ferry Pass-Brent)
- $100k in Chicago-Naperville-Elgin ≈ $94,326 purchasing power in Pensacola-Ferry Pass-Brent
- Rents drives the gap (-13.2 RPP points)
RPP parity plate
Pair IL:FL 103.6→97.7
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE IL × FL
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-SHIFT PP shift
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
- Chicago-Naperville-Elgin
- 107.3
Diff -11.0 RPP
Services
Diff +4.9 RPP
Rents
- Chicago-Naperville-Elgin
- 112.0
Diff -13.2 RPP
| Category | Chicago-Naperville-Elgin | Pensacola-Ferry Pass-Brent | Difference |
|---|---|---|---|
| Overall | 103.6 | 97.7 | -5.9 |
| Goods | 107.3 | 96.2 | -11.0 |
| Services | 83.6 | 88.5 | +4.9 |
| Rents | 112.0 | 98.8 | -13.2 |
Visual Comparison
Overall
Chicago-Naperville-Elgin 103.6
Pensacola-Ferry Pass-Brent 97.7
Goods
Chicago-Naperville-Elgin 107.3
Pensacola-Ferry Pass-Brent 96.2
Services
Chicago-Naperville-Elgin 83.6
Pensacola-Ferry Pass-Brent 88.5
Rents
Chicago-Naperville-Elgin 112.0
Pensacola-Ferry Pass-Brent 98.8
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: Pensacola-Ferry Pass-Brent is 13.2 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Pensacola-Ferry Pass-Brent, FL is 5.7% less expensive than Chicago-Naperville-Elgin, IL-IN, a meaningful but not extreme shift. The move decision turns on which budget category creates the 5.9-point overall gap.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while Pensacola-Ferry Pass-Brent 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 Chicago-Naperville-Elgin corresponds to $94,326 in Pensacola-Ferry Pass-Brent.
Chicago-Naperville-Elgin
103.6
Cost Index
Pensacola-Ferry Pass-Brent
97.7
Cost Index
Salary Equivalents
What a salary in Chicago-Naperville-Elgin would need to be in Pensacola-Ferry Pass-Brent for the same purchasing power:
| In Chicago-Naperville-Elgin | In Pensacola-Ferry Pass-Brent | Difference |
|---|---|---|
| $50,000 | $47,163 | $-2,837 |
| $75,000 | $70,744 | $-4,256 |
| $100,000 | $94,326 | $-5,674 |
| $150,000 | $141,489 | $-8,511 |
$ in Chicago-Naperville-Elgin = in Pensacola-Ferry Pass-Brent
Same BEA Regional Price Parity ratio as the table above (103.6 → 97.7), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Chicago-Naperville-Elgin and Pensacola-Ferry Pass-Brent share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 9.0 to 5.9 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 23.5 points between the first and latest shared releases (36.8 to 13.2 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Chicago-Naperville-Elgin RPP | Pensacola-Ferry Pass-Brent RPP | Relative Gap |
|---|---|---|---|
| 2008 | 105.4 | 96.4 | 9.0 points Chicago-Naperville-Elgin higher |
| 2012 | 105.1 | 97.3 | 7.8 points Chicago-Naperville-Elgin higher |
| 2016 | 103.8 | 97.4 | 6.4 points Chicago-Naperville-Elgin higher |
| 2020 | 104.5 | 93.3 | 11.2 points Chicago-Naperville-Elgin higher |
| 2024 | 103.6 | 97.7 | 5.9 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 Pensacola-Ferry Pass-Brent more expensive than Chicago-Naperville-Elgin?
Pensacola-Ferry Pass-Brent is 5.7% less expensive than Chicago-Naperville-Elgin. The overall cost index is 97.7 vs 103.6 (national average = 100).
What salary in Pensacola-Ferry Pass-Brent equals $100K in Chicago-Naperville-Elgin?
A $100,000 salary in Chicago-Naperville-Elgin has the same purchasing power as $94,326 in Pensacola-Ferry Pass-Brent. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Chicago-Naperville-Elgin and Pensacola-Ferry Pass-Brent?
Rents in Chicago-Naperville-Elgin are indexed at 112.0 while Pensacola-Ferry Pass-Brent is at 98.8 (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.