Overall
- Santa Fe
- 98.8
- Chicago-Naperville-Elgin
- 103.6
Diff +4.8 RPP
Santa Fe vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 4.9% more expensive than Santa Fe.
4.9% more expensive
Chicago-Naperville-Elgin, IL-IN is 4.9% more expensive than Santa Fe, NM on BEA Regional Price Parities (overall RPP 103.6 vs 98.8). A $100,000 salary in Santa Fe buys about the same as $104,888 in Chicago-Naperville-Elgin; the largest component gap is goods.
- Overall RPP 98.8 (Santa Fe) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Santa Fe ≈ $104,888 purchasing power in Chicago-Naperville-Elgin
- Goods drives the gap (+11.1 RPP points)
RPP parity plate
Pair NM:IL 98.8→103.6
TIER-NEAR · CROSS-STATE · GOODS-LED · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE NM × IL
- GOODS-LED Goods-led gap
- 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.
What This Comparison Actually Tells You
Chicago-Naperville-Elgin, IL-IN is 4.9% more expensive than Santa Fe, NM, a meaningful but not extreme shift. The move decision turns on which budget category creates the 4.8-point overall gap.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while Santa Fe is below it. That makes the move a change of price regime, not merely a rank swap.
Goods leads the difference, with Chicago-Naperville-Elgin 11.1 points higher than Santa Fe. 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 goods-led difference, remember that many tradable prices vary less by address than housing or labor-priced services. Use $104,888 in Chicago-Naperville-Elgin as the BEA equivalent of $100,000 in Santa Fe, then replace the national basket with your own.
Santa Fe
98.8
Cost Index
Chicago-Naperville-Elgin
103.6
Cost Index
Category Breakdown
Goods
- Santa Fe
- 96.1
- Chicago-Naperville-Elgin
- 107.3
Diff +11.1 RPP
Services
- Santa Fe
- 76.7
Diff +6.9 RPP
Rents
- Santa Fe
- 108.0
- Chicago-Naperville-Elgin
- 112.0
Diff +4.0 RPP
| Category | Santa Fe | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 98.8 | 103.6 | +4.8 |
| Goods | 96.1 | 107.3 | +11.1 |
| Services | 76.7 | 83.6 | +6.9 |
| Rents | 108.0 | 112.0 | +4.0 |
Visual Comparison
Overall
Santa Fe 98.8
Chicago-Naperville-Elgin 103.6
Goods
Santa Fe 96.1
Chicago-Naperville-Elgin 107.3
Services
Santa Fe 76.7
Chicago-Naperville-Elgin 83.6
Rents
Santa Fe 108.0
Chicago-Naperville-Elgin 112.0
Vertical line = national average (100)
Salary Equivalents
What a salary in Santa Fe would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Santa Fe | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $52,444 | +$2,444 |
| $75,000 | $78,666 | +$3,666 |
| $100,000 | $104,888 | +$4,888 |
| $150,000 | $157,332 | +$7,332 |
$ in Santa Fe = in Chicago-Naperville-Elgin
Same BEA Regional Price Parity ratio as the table above (98.8 → 103.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Chicago-Naperville-Elgin more expensive than Santa Fe?
Chicago-Naperville-Elgin is 4.9% more expensive than Santa Fe. The overall cost index is 103.6 vs 98.8 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Santa Fe?
A $100,000 salary in Santa Fe has the same purchasing power as $104,888 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Santa Fe and Chicago-Naperville-Elgin?
Rents in Santa Fe are indexed at 108.0 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.