Overall
- Waterbury-Shelton
- 99.8
- Chicago-Naperville-Elgin
- 103.6
Diff +3.8 RPP
Waterbury-Shelton vs Chicago-Naperville-Elgin
Cost of living comparison based on BEA Regional Price Parities. Chicago-Naperville-Elgin is 3.8% more expensive than Waterbury-Shelton.
3.8% more expensive
Chicago-Naperville-Elgin, IL-IN is 3.8% more expensive than Waterbury-Shelton, CT on BEA Regional Price Parities (overall RPP 103.6 vs 99.8). A $100,000 salary in Waterbury-Shelton buys about the same as $103,825 in Chicago-Naperville-Elgin; the largest component gap is services.
- Overall RPP 99.8 (Waterbury-Shelton) vs 103.6 (Chicago-Naperville-Elgin)
- $100k in Waterbury-Shelton ≈ $103,825 purchasing power in Chicago-Naperville-Elgin
- Services drives the gap (-64.0 RPP points)
RPP parity plate
Pair CT:IL 99.8→103.6
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE CT × 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
- Waterbury-Shelton
- 97.3
- Chicago-Naperville-Elgin
- 107.3
Diff +9.9 RPP
Services
- Waterbury-Shelton
- 147.6
Diff -64.0 RPP
Rents
- Waterbury-Shelton
- 89.1
- Chicago-Naperville-Elgin
- 112.0
Diff +22.9 RPP
| Category | Waterbury-Shelton | Chicago-Naperville-Elgin | Difference |
|---|---|---|---|
| Overall | 99.8 | 103.6 | +3.8 |
| Goods | 97.3 | 107.3 | +9.9 |
| Services | 147.6 | 83.6 | -64.0 |
| Rents | 89.1 | 112.0 | +22.9 |
Visual Comparison
Overall
Waterbury-Shelton 99.8
Chicago-Naperville-Elgin 103.6
Goods
Waterbury-Shelton 97.3
Chicago-Naperville-Elgin 107.3
Services
Waterbury-Shelton 147.6
Chicago-Naperville-Elgin 83.6
Rents
Waterbury-Shelton 89.1
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 64.0 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Chicago-Naperville-Elgin, IL-IN is 3.8% more expensive than Waterbury-Shelton, CT, a meaningful but not extreme shift. The move decision turns on which budget category creates the 3.8-point overall gap.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while Waterbury-Shelton 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 Waterbury-Shelton to $103,825 in Chicago-Naperville-Elgin, but it is not a personal spending weight.
Waterbury-Shelton
99.8
Cost Index
Chicago-Naperville-Elgin
103.6
Cost Index
Salary Equivalents
What a salary in Waterbury-Shelton would need to be in Chicago-Naperville-Elgin for the same purchasing power:
| In Waterbury-Shelton | In Chicago-Naperville-Elgin | Difference |
|---|---|---|
| $50,000 | $51,913 | +$1,913 |
| $75,000 | $77,869 | +$2,869 |
| $100,000 | $103,825 | +$3,825 |
| $150,000 | $155,738 | +$5,738 |
$ in Waterbury-Shelton = in Chicago-Naperville-Elgin
Same BEA Regional Price Parity ratio as the table above (99.8 → 103.6), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Waterbury-Shelton and Chicago-Naperville-Elgin share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 5.4 to 3.8 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Goods changed the most within this pair: its gap moved 18.8 points between the first and latest shared releases (8.9 to 9.9 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Waterbury-Shelton RPP | Chicago-Naperville-Elgin RPP | Relative Gap |
|---|---|---|---|
| 2008 | 110.8 | 105.4 | 5.4 points Waterbury-Shelton higher |
| 2012 | 106.9 | 105.1 | 1.8 points Waterbury-Shelton higher |
| 2016 | 106.5 | 103.8 | 2.7 points Waterbury-Shelton higher |
| 2020 | 103.4 | 104.5 | 1.0 points Chicago-Naperville-Elgin higher |
| 2024 | 99.8 | 103.6 | 3.8 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 Waterbury-Shelton?
Chicago-Naperville-Elgin is 3.8% more expensive than Waterbury-Shelton. The overall cost index is 103.6 vs 99.8 (national average = 100).
What salary in Chicago-Naperville-Elgin equals $100K in Waterbury-Shelton?
A $100,000 salary in Waterbury-Shelton has the same purchasing power as $103,825 in Chicago-Naperville-Elgin. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Waterbury-Shelton and Chicago-Naperville-Elgin?
Rents in Waterbury-Shelton are indexed at 89.1 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.