City Comparison · 2026
Jersey City vs Chicago
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Jersey City = $78k in Chicago
Metric
Jersey City
Chicago
COL Index
1.78
✓1.38
1BR Monthly Rent
$2,800/mo
✓$2,000/mo
2BR Monthly Rent
$3,600/mo
✓$2,600/mo
State Income Tax
NJ
IL
$100k Take-Home
✓$74,492
$73,786
$100k Effective Rate
✓25.51%
26.21%
$100k Savings Potential
$40,892
✓$49,786
After-Tax Income by Salary
| Gross Salary | Jersey City NJ | Chicago IL |
|---|---|---|
| $60,000 | $48,425 $4,035/mo · 19.29% eff. | $47,278 $3,940/mo · 21.2% eff. |
| $100,000 | $74,492 $6,208/mo · 25.51% eff. | $73,786 $6,149/mo · 26.21% eff. |
| $150,000 | $105,849 $8,821/mo · 29.43% eff. | $105,853 $8,821/mo · 29.43% eff. |
Frequently Asked Questions
Is Jersey City or Chicago cheaper to live in?
Jersey City has a cost-of-living index of 1.78 while Chicago is 1.38 (1.00 = US average). Chicago is cheaper overall. 1BR rent in Jersey City is $2,800/month vs $2,000/month in Chicago.
How much more do you need to earn in Jersey City vs Chicago?
$100k in Jersey City = $78k in Chicago. Cost of living in Chicago is lower by 22.5%.
Which city has better after-tax income — Jersey City or Chicago?
On a $100,000 salary, you take home $74,492 in NJ (Jersey City) and $73,786 in IL (Chicago). After accounting for rent, your annual savings potential is $40,892 in Jersey City vs $49,786 in Chicago.
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