Overall
- Chicago-Naperville-Elgin
- 103.6
Diff +12.0 RPP
Chicago-Naperville-Elgin vs San Francisco-Oakland-Fremont
Cost of living comparison based on BEA Regional Price Parities. San Francisco-Oakland-Fremont is 11.6% more expensive than Chicago-Naperville-Elgin.
11.6% more expensive
San Francisco-Oakland-Fremont, CA is 11.6% more expensive than Chicago-Naperville-Elgin, IL-IN on BEA Regional Price Parities (overall RPP 115.6 vs 103.6). A $100,000 salary in Chicago-Naperville-Elgin buys about the same as $111,601 in San Francisco-Oakland-Fremont; the largest component gap is services.
- Overall RPP 103.6 (Chicago-Naperville-Elgin) vs 115.6 (San Francisco-Oakland-Fremont)
- $100k in Chicago-Naperville-Elgin ≈ $111,601 purchasing power in San Francisco-Oakland-Fremont
- Services drives the gap (+89.0 RPP points)
RPP parity plate
Pair IL:CA 103.6→115.6
TIER-GAP · CROSS-STATE · SERVICES-LED · BOTH-ABOVE · PP-SHIFT
- TIER-GAP Clear tier gap
- CROSS-STATE IL × CA
- SERVICES-LED Services-led gap
- BOTH-ABOVE Both above 100
- 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.
What This Comparison Actually Tells You
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.
Chicago-Naperville-Elgin, IL-IN and San Francisco-Oakland-Fremont, CA sit in clearly different price tiers, separated by 12.0 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
Services leads the difference, with San Francisco-Oakland-Fremont 89.0 points higher than Chicago-Naperville-Elgin. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
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 $111,601 in San Francisco-Oakland-Fremont, but it is not a personal spending weight.
Category Breakdown
Goods
- Chicago-Naperville-Elgin
- 107.3
Diff +1.2 RPP
Services
Diff +89.0 RPP
Rents
- Chicago-Naperville-Elgin
- 112.0
Diff +82.7 RPP
| Category | Chicago-Naperville-Elgin | San Francisco-Oakland-Fremont | Difference |
|---|---|---|---|
| Overall | 103.6 | 115.6 | +12.0 |
| Goods | 107.3 | 108.5 | +1.2 |
| Services | 83.6 | 172.6 | +89.0 |
| Rents | 112.0 | 194.7 | +82.7 |
Visual Comparison
Overall
Chicago-Naperville-Elgin 103.6
San Francisco-Oakland-Fremont 115.6
Goods
Chicago-Naperville-Elgin 107.3
San Francisco-Oakland-Fremont 108.5
Services
Chicago-Naperville-Elgin 83.6
San Francisco-Oakland-Fremont 172.6
Rents
Chicago-Naperville-Elgin 112.0
San Francisco-Oakland-Fremont 194.7
Vertical line = national average (100)
Salary Equivalents
What a salary in Chicago-Naperville-Elgin would need to be in San Francisco-Oakland-Fremont for the same purchasing power:
| In Chicago-Naperville-Elgin | In San Francisco-Oakland-Fremont | Difference |
|---|---|---|
| $50,000 | $55,800 | +$5,800 |
| $75,000 | $83,701 | +$8,701 |
| $100,000 | $111,601 | +$11,601 |
| $150,000 | $167,401 | +$17,401 |
$ in Chicago-Naperville-Elgin = in San Francisco-Oakland-Fremont
Same BEA Regional Price Parity ratio as the table above (103.6 → 115.6), computed live from your number, nothing is sent anywhere.
Chicago-Naperville-Elgin
103.6
Cost Index
San Francisco-Oakland-Fremont
115.6
Cost Index
Frequently Asked Questions
Is San Francisco-Oakland-Fremont more expensive than Chicago-Naperville-Elgin?
San Francisco-Oakland-Fremont is 11.6% more expensive than Chicago-Naperville-Elgin. The overall cost index is 115.6 vs 103.6 (national average = 100).
What salary in San Francisco-Oakland-Fremont equals $100K in Chicago-Naperville-Elgin?
A $100,000 salary in Chicago-Naperville-Elgin has the same purchasing power as $111,601 in San Francisco-Oakland-Fremont. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Chicago-Naperville-Elgin and San Francisco-Oakland-Fremont?
Rents in Chicago-Naperville-Elgin are indexed at 112.0 while San Francisco-Oakland-Fremont is at 194.7 (national average = 100). San Francisco-Oakland-Fremont 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.