Springfield vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 16.9% more expensive than Springfield.
Chicago-Naperville-Elgin, IL-IN is 16.9% more expensive than Springfield, MO on BEA Regional Price Parities (overall RPP 103.6 vs 88.6). A $100,000 salary in Springfield buys about the same as $116,944 in Chicago-Naperville-Elgin; the largest component gap is rents.
- Overall RPP 88.6 (Springfield) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Springfield ≈ $116,944 purchasing power in Chicago-Naperville-Elgin
- Rents drives the gap (+46.4 RPP points)
Category Breakdown
| Category | Springfield | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 88.6 | 103.6 | +15.0 |
| Goods | 94.2 | 107.3 | +13.1 |
| Services | 85.8 | 83.6 | -2.2 |
| Rents | 65.6 | 112.0 | +46.4 |
Visual Comparison
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: Chicago-Naperville-Elgin is 46.4 points higher. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Springfield, MO and Chicago-Naperville-Elgin, IL-IN sit in clearly different price tiers, separated by 15.0 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while Springfield 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 Springfield corresponds to $116,944 in Chicago-Naperville-Elgin.
Salary Equivalents
What a salary in Springfield would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Springfield | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $58,472 | +$8,472 |
| $75,000 | $87,708 | +$12,708 |
| $100,000 | $116,944 | +$16,944 |
| $150,000 | $175,416 | +$25,416 |
Same BEA Regional Price Parity ratio as the table above (88.6 → 103.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Chicago-Naperville-Elgin more expensive than Springfield?
Chicago-Naperville-Elgin is 16.9% more expensive than Springfield. The overall cost index is 103.6 vs 88.6 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Springfield?
A $100,000 salary in Springfield has the same purchasing power as $116,944 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Springfield and Chicago-Naperville-Elgin?
Rents in Springfield are indexed at 65.6 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.