Overall
- Utica-Rome
- 92.7
- Chicago-Naperville-Elgin
- 103.6
Diff +10.9 RPP
Utica-Rome vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 11.8% more expensive than Utica-Rome.
11.8% more expensive
Chicago-Naperville-Elgin, IL-IN is 11.8% more expensive than Utica-Rome, NY on BEA Regional Price Parities (overall RPP 103.6 vs 92.7). A $100,000 salary in Utica-Rome buys about the same as $111,779 in Chicago-Naperville-Elgin; the largest component gap is services.
- Overall RPP 92.7 (Utica-Rome) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Utica-Rome ≈ $111,779 purchasing power in Chicago-Naperville-Elgin
- Services drives the gap (-48.3 RPP points)
RPP parity plate
Pair NY:IL 92.7→103.6
TIER-GAP · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-GAP Clear tier gap
- CROSS-STATE NY × IL
- SPLIT-BUDGET Split budget
- 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.
Category Breakdown
Goods
- Utica-Rome
- 99.7
- Chicago-Naperville-Elgin
- 107.3
Diff +7.6 RPP
Services
- Utica-Rome
- 131.9
Diff -48.3 RPP
Rents
- Utica-Rome
- 66.1
- Chicago-Naperville-Elgin
- 112.0
Diff +45.9 RPP
| Category | Utica-Rome | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 92.7 | 103.6 | +10.9 |
| Goods | 99.7 | 107.3 | +7.6 |
| Services | 131.9 | 83.6 | -48.3 |
| Rents | 66.1 | 112.0 | +45.9 |
Visual Comparison
Overall
Utica-Rome 92.7
Chicago-Naperville-Elgin 103.6
Goods
Utica-Rome 99.7
Chicago-Naperville-Elgin 107.3
Services
Utica-Rome 131.9
Chicago-Naperville-Elgin 83.6
Rents
Utica-Rome 66.1
Chicago-Naperville-Elgin 112.0
Vertical line = national average (100)
What This Comparison Actually Tells You
Services creates the largest separation: Chicago-Naperville-Elgin is 48.3 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Utica-Rome, NY and Chicago-Naperville-Elgin, IL-IN sit in clearly different price tiers, separated by 10.9 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 Utica-Rome 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 service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Utica-Rome to $111,779 in Chicago-Naperville-Elgin, but it is not a personal spending weight.
Utica-Rome
92.7
Cost Index
Chicago-Naperville-Elgin
103.6
Cost Index
Salary Equivalents
What a salary in Utica-Rome would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Utica-Rome | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $55,890 | +$5,890 |
| $75,000 | $83,835 | +$8,835 |
| $100,000 | $111,779 | +$11,779 |
| $150,000 | $167,669 | +$17,669 |
$ in Utica-Rome = in Chicago-Naperville-Elgin
Same BEA Regional Price Parity ratio as the table above (92.7 → 103.6), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Utica-Rome and Chicago-Naperville-Elgin share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 9.7 to 10.9 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 8.2 points between the first and latest shared releases (54.1 to 45.9 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Utica-Rome RPP | Chicago-Naperville-Elgin RPP | Relative Gap |
|---|---|---|---|
| 2008 | 95.7 | 105.4 | 9.7 points Chicago-Naperville-Elgin higher |
| 2012 | 93.5 | 105.1 | 11.6 points Chicago-Naperville-Elgin higher |
| 2016 | 95.3 | 103.8 | 8.5 points Chicago-Naperville-Elgin higher |
| 2020 | 93.4 | 104.5 | 11.1 points Chicago-Naperville-Elgin higher |
| 2024 | 92.7 | 103.6 | 10.9 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.
Frequently Asked Questions
Is Chicago-Naperville-Elgin more expensive than Utica-Rome?
Chicago-Naperville-Elgin is 11.8% more expensive than Utica-Rome. The overall cost index is 103.6 vs 92.7 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Utica-Rome?
A $100,000 salary in Utica-Rome has the same purchasing power as $111,779 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Utica-Rome and Chicago-Naperville-Elgin?
Rents in Utica-Rome are indexed at 66.1 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.