Chicago vs Santa Ana: Cost of Living Comparison
How does the cost of living in Chicago, Illinois compare to Santa Ana, California? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Chicago is the more affordable city overall. Housing costs are 51% lower in Chicago compared to Santa Ana, while rent is 30% lower. State income tax is 4.95% in IL vs 13.3% in CA.
| Metric | Chicago, IL | Santa Ana, CA | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $304,500 | $624,000 | -51.2% |
| Median Monthly Rent | $1,314 | $1,885 | -30.3% |
| Income | |||
| Median Household Income | $71,673 | $84,210 | -14.9% |
| Per Capita Income | $45,840 | $27,328 | +67.7% |
| Taxes | |||
| State Income Tax Rate | 5.0% | 13.3% | -62.8% |
| Combined Sales Tax | 8.8% | 8.7% | +1.7% |
| Demographics | |||
| Population | 2,721,914 | 311,379 | +774.1% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — Chicago
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Santa Ana
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in Chicago costs $304,500 compared to $624,000 in Santa Ana — a 51% discount.
- Rent: Median rent is $1,314/mo in Chicago vs $1,885/mo in Santa Ana.
- Income: Median household income is $71,673 in Chicago and $84,210 in Santa Ana.
- Taxes: State income tax is 4.95% in Illinois vs 13.3% in California.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).