Overall
- Chicago-Naperville-Elgin
- 103.6
Diff -1.0 RPP
Chicago-Naperville-Elgin vs Philadelphia-Camden-Wilmington
Cost of living comparison based on BEA Regional Price Parities. Philadelphia-Camden-Wilmington is 1% less expensive than Chicago-Naperville-Elgin.
1% less expensive
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is 1% less expensive than Chicago-Naperville-Elgin, IL-IN on BEA Regional Price Parities (overall RPP 102.6 vs 103.6). A $100,000 salary in Chicago-Naperville-Elgin buys about the same as $98,995 in Philadelphia-Camden-Wilmington; the largest component gap is services.
- Overall RPP 103.6 (Chicago-Naperville-Elgin) vs 102.6 (Philadelphia-Camden-Wilmington)
- $100k in Chicago-Naperville-Elgin ≈ $98,995 purchasing power in Philadelphia-Camden-Wilmington
- Services drives the gap (+30.8 RPP points)
RPP parity plate
Pair IL:PA 103.6→102.6
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-ABOVE · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE IL × PA
- 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
Philadelphia-Camden-Wilmington
102.6
Cost Index
What This Comparison Actually Tells You
Chicago-Naperville-Elgin, IL-IN and Philadelphia-Camden-Wilmington, PA-NJ-DE-MD are a photo finish on overall price level, only 1.0 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Philadelphia-Camden-Wilmington is 30.8 points higher. But services and 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 service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Chicago-Naperville-Elgin to $98,995 in Philadelphia-Camden-Wilmington, but it is not a personal spending weight.
Category Breakdown
Goods
- Chicago-Naperville-Elgin
- 107.3
Diff -10.4 RPP
Services
Diff +30.8 RPP
Rents
- Chicago-Naperville-Elgin
- 112.0
Diff +1.1 RPP
| Category | Chicago-Naperville-Elgin | Philadelphia-Camden-Wilmington | Difference |
|---|---|---|---|
| Overall | 103.6 | 102.6 | -1.0 |
| Goods | 107.3 | 96.8 | -10.4 |
| Services | 83.6 | 114.4 | +30.8 |
| Rents | 112.0 | 113.1 | +1.1 |
Visual Comparison
Overall
Chicago-Naperville-Elgin 103.6
Philadelphia-Camden-Wilmington 102.6
Goods
Chicago-Naperville-Elgin 107.3
Philadelphia-Camden-Wilmington 96.8
Services
Chicago-Naperville-Elgin 83.6
Philadelphia-Camden-Wilmington 114.4
Rents
Chicago-Naperville-Elgin 112.0
Philadelphia-Camden-Wilmington 113.1
Vertical line = national average (100)
How the Price Gap Changed
Chicago-Naperville-Elgin and Philadelphia-Camden-Wilmington share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 1.0 to 1.0 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 17.7 points between the first and latest shared releases (13.1 to 30.8 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Chicago-Naperville-Elgin RPP | Philadelphia-Camden-Wilmington RPP | Relative Gap |
|---|---|---|---|
| 2008 | 105.4 | 106.4 | 1.0 points Philadelphia-Camden-Wilmington higher |
| 2012 | 105.1 | 103.9 | 1.3 points Chicago-Naperville-Elgin higher |
| 2016 | 103.8 | 102.5 | 1.3 points Chicago-Naperville-Elgin higher |
| 2020 | 104.5 | 102.3 | 2.1 points Chicago-Naperville-Elgin higher |
| 2024 | 103.6 | 102.6 | 1.0 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.
Salary Equivalents
What a salary in Chicago-Naperville-Elgin would need to be in Philadelphia-Camden-Wilmington for the same purchasing power:
| In Chicago-Naperville-Elgin | In Philadelphia-Camden-Wilmington | Difference |
|---|---|---|
| $50,000 | $49,498 | $-502 |
| $75,000 | $74,246 | $-754 |
| $100,000 | $98,995 | $-1,005 |
| $150,000 | $148,493 | $-1,507 |
$ in Chicago-Naperville-Elgin = in Philadelphia-Camden-Wilmington
Same BEA Regional Price Parity ratio as the table above (103.6 → 102.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Philadelphia-Camden-Wilmington more expensive than Chicago-Naperville-Elgin?
Philadelphia-Camden-Wilmington is 1% less expensive than Chicago-Naperville-Elgin. The overall cost index is 102.6 vs 103.6 (national average = 100).
What salary in Philadelphia-Camden-Wilmington equals $100K in Chicago-Naperville-Elgin?
A $100,000 salary in Chicago-Naperville-Elgin has the same purchasing power as $98,995 in Philadelphia-Camden-Wilmington. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Chicago-Naperville-Elgin and Philadelphia-Camden-Wilmington?
Rents in Chicago-Naperville-Elgin are indexed at 112.0 while Philadelphia-Camden-Wilmington is at 113.1 (national average = 100). Philadelphia-Camden-Wilmington 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.