City Comparison · 2026
Frederick vs Chicago
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Frederick = $117k in Chicago
Metric
Frederick
Chicago
COL Index
✓1.18
1.38
1BR Monthly Rent
✓$1,600/mo
$2,000/mo
2BR Monthly Rent
✓$2,000/mo
$2,600/mo
State Income Tax
MD
IL
$100k Take-Home
✓$74,038
$73,786
$100k Effective Rate
✓25.96%
26.21%
$100k Savings Potential
✓$54,838
$49,786
After-Tax Income by Salary
| Gross Salary | Frederick MD | Chicago IL |
|---|---|---|
| $60,000 | $47,450 $3,954/mo · 20.92% eff. | $47,278 $3,940/mo · 21.2% eff. |
| $100,000 | $74,038 $6,170/mo · 25.96% eff. | $73,786 $6,149/mo · 26.21% eff. |
| $150,000 | $106,018 $8,835/mo · 29.32% eff. | $105,853 $8,821/mo · 29.43% eff. |
Frequently Asked Questions
Is Frederick or Chicago cheaper to live in?
Frederick has a cost-of-living index of 1.18 while Chicago is 1.38 (1.00 = US average). Frederick is cheaper overall. 1BR rent in Frederick is $1,600/month vs $2,000/month in Chicago.
How much more do you need to earn in Chicago vs Frederick?
$100k in Frederick = $117k in Chicago. Cost of living in Chicago is higher by 16.9%.
Which city has better after-tax income — Frederick or Chicago?
On a $100,000 salary, you take home $74,038 in MD (Frederick) and $73,786 in IL (Chicago). After accounting for rent, your annual savings potential is $54,838 in Frederick vs $49,786 in Chicago.
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