Overall
- Stockton-Lodi
- 105.1
- Chicago-Naperville-Elgin
- 103.6
Diff -1.5 RPP
Stockton-Lodi vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 1.4% less expensive than Stockton-Lodi.
1.4% less expensive
Chicago-Naperville-Elgin, IL-IN is 1.4% less expensive than Stockton-Lodi, CA on BEA Regional Price Parities (overall RPP 103.6 vs 105.1). A $100,000 salary in Stockton-Lodi buys about the same as $98,578 in Chicago-Naperville-Elgin; the largest component gap is services.
- Overall RPP 105.1 (Stockton-Lodi) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Stockton-Lodi ≈ $98,578 purchasing power in Chicago-Naperville-Elgin
- Services drives the gap (-74.7 RPP points)
RPP parity plate
Pair CA:IL 105.1→103.6
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-ABOVE · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE CA × IL
- 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.
Stockton-Lodi
105.1
Cost Index
Chicago-Naperville-Elgin
103.6
Cost Index
What This Comparison Actually Tells You
Stockton-Lodi, CA and Chicago-Naperville-Elgin, IL-IN are a photo finish on overall price level, only 1.5 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Chicago-Naperville-Elgin is 74.7 points lower. But goods 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 Stockton-Lodi to $98,578 in Chicago-Naperville-Elgin, but it is not a personal spending weight.
Category Breakdown
Goods
- Stockton-Lodi
- 105.2
- Chicago-Naperville-Elgin
- 107.3
Diff +2.1 RPP
Services
- Stockton-Lodi
- 158.2
Diff -74.7 RPP
Rents
- Stockton-Lodi
- 115.6
- Chicago-Naperville-Elgin
- 112.0
Diff -3.6 RPP
| Category | Stockton-Lodi | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 105.1 | 103.6 | -1.5 |
| Goods | 105.2 | 107.3 | +2.1 |
| Services | 158.2 | 83.6 | -74.7 |
| Rents | 115.6 | 112.0 | -3.6 |
Visual Comparison
Overall
Stockton-Lodi 105.1
Chicago-Naperville-Elgin 103.6
Goods
Stockton-Lodi 105.2
Chicago-Naperville-Elgin 107.3
Services
Stockton-Lodi 158.2
Chicago-Naperville-Elgin 83.6
Rents
Stockton-Lodi 115.6
Chicago-Naperville-Elgin 112.0
Vertical line = national average (100)
How the Price Gap Changed
Stockton-Lodi and Chicago-Naperville-Elgin share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 5.2 to 1.5 RPP points. Stockton-Lodi remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 70.6 points between the first and latest shared releases (4.1 to 74.7 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Stockton-Lodi RPP | Chicago-Naperville-Elgin RPP | Relative Gap |
|---|---|---|---|
| 2008 | 100.2 | 105.4 | 5.2 points Chicago-Naperville-Elgin higher |
| 2012 | 103.8 | 105.1 | 1.3 points Chicago-Naperville-Elgin higher |
| 2016 | 99.9 | 103.8 | 3.9 points Chicago-Naperville-Elgin higher |
| 2020 | 105.3 | 104.5 | 0.8 points Stockton-Lodi higher |
| 2024 | 105.1 | 103.6 | 1.5 points Stockton-Lodi 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 Stockton-Lodi would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Stockton-Lodi | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $49,289 | $-711 |
| $75,000 | $73,934 | $-1,066 |
| $100,000 | $98,578 | $-1,422 |
| $150,000 | $147,868 | $-2,132 |
$ in Stockton-Lodi = in Chicago-Naperville-Elgin
Same BEA Regional Price Parity ratio as the table above (105.1 → 103.6), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Chicago-Naperville-Elgin more expensive than Stockton-Lodi?
Chicago-Naperville-Elgin is 1.4% less expensive than Stockton-Lodi. The overall cost index is 103.6 vs 105.1 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Stockton-Lodi?
A $100,000 salary in Stockton-Lodi has the same purchasing power as $98,578 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Stockton-Lodi and Chicago-Naperville-Elgin?
Rents in Stockton-Lodi are indexed at 115.6 while Chicago-Naperville-Elgin is at 112.0 (national average = 100). Stockton-Lodi 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.