Job Salary Guide · 2026
Surgeon Salary After Tax in Chicago
Based on BLS OEWS data · IL · Single filer
Surgeon Salary Range
25th Percentile
$290,000
Take-home:
$193,915
$16,160/mo
Entry to mid-level
Median
$352,000
Take-home:
$229,689
$19,141/mo
Typical salary
75th Percentile
$470,000
Take-home:
$297,775
$24,815/mo
Senior / specialist
Tax Breakdown
At median salary of $352,000
Cost of Living in Chicago
1BR Monthly Rent
$2,000/mo
2BR Monthly Rent
$2,600/mo
COL Index
1.38
Comfortable Rent Max
$4,785/mo
50 / 30 / 20 Budget Planner
Based on your monthly take-home of $19,141 ($229,692/yr)
$9,571
per month
- ›Rent / mortgage
- ›Groceries
- ›Utilities
- ›Insurance
- ›Minimum debt payments
- ›Transportation
$5,742
per month
- ›Dining out
- ›Streaming services
- ›Gym
- ›Hobbies
- ›Travel
- ›Shopping
$3,828
per month
- ›Emergency fund
- ›401(k) / IRA
- ›Investments
- ›Down payment fund
- ›Debt payoff (extra)
Needs / year
$114,846
Wants / year
$68,908
Savings / year
$45,938
Surgeon Salary in Other Cities
Frequently Asked Questions
What is the average Surgeon salary in Chicago?
The median Surgeon salary in Chicago (IL) is $352,000 per year based on BLS OEWS data. The 25th percentile is $290,000 and the 75th percentile is $470,000.
What is the take-home pay for a Surgeon in Chicago?
At the median salary of $352,000, a Surgeon in IL takes home approximately $229,689 per year ($19,141/month) after federal and state taxes. The effective tax rate is 34.75%.
Can a Surgeon afford rent in Chicago?
The average 1-bedroom rent in Chicago is $2,000/month. On the median Surgeon salary, your rent-to-income ratio is 10.4%, which is "Comfortable". Financial experts recommend keeping rent below 25–30% of take-home pay ($4,785/month at this salary).
How does cost of living affect Surgeon salaries in Chicago?
Chicago has a cost-of-living index of 1.38 (1.00 = national average). Chicago is 38% more expensive than the US average, which reduces the real purchasing power of the Surgeon salary.