

Chicago vs Madison
$205/mo more in Madison
ChicagoMadisonAbout 128 miles apart, close enough to drive.
- Madison leaves you more
- Property tax 1.60%
- Rent under 30% of pay
Same paycheck, two cities. $2,631/mo in Madison. $2,426/mo in Chicago. +$2,460 a year.
Chicago
$2,426
left each month
Madison
$2,631
+$205 vs Chicago
Compare
Same paycheck, another city.
Next
In 2022-2023, 1,278 households moved Chicago → Madison (avg AGI $76,427). 995 went the other way. The whole move →
+$205 / mo
See full breakdown
| Per month | Chicago | Madison | Difference |
|---|---|---|---|
| Gross pay | $8,208 | $7,818 | −$391 |
| Income and payroll tax | $2,130 | $1,942 | −$188 |
| Take-home pay | $6,079 | $5,876 | −$203 |
| Rent | $1,782 | $1,330 | −$452 |
| Getting around | $392 | $509 | +$117 |
| Groceries | $408 | $388 | −$20 |
| Healthcare | $459 | $437 | −$22 |
| Utilities | $255 | $243 | −$12 |
| Everything else | $357 | $340 | −$17 |
| Left over | $2,426 | $2,631 | +$205 |
Salary to match Chicago
$90,000
Gross pay in Madison that leaves the same amount as $98,500 in Chicago.
Tax difference
+$864
A year, in state and local income tax. Effective rates: 25.9% in Chicago, 24.8% in Madison.
More about Madison
Chicago, IL in full
World-class city amenities at Midwest home prices, funded by 2.1% property tax.
Madison, WI in full
A university town with big-city wages and small-city commutes.
The other way
Start in Madison.
Madison → Chicago →Questions
Is the cost of living lower in Madison than Chicago?
For one adult in a one-bedroom, Madison leaves about $205 more a month. A one-bedroom is about $1,782 in Chicago and $1,330 in Madison.
Does Madison have state income tax?
Madison is in Wisconsin, which taxes wage income.
What changes if you move from Chicago to Madison?
The paycheck is taxed in Wisconsin. Rent stays at the same bedroom count. What you keep is the difference.
Left over each month is take-home pay minus rent and the rest of the bills. The gap between Chicago and Madison changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Estimate, not a quote. How we figure this.