Is $45,000 a good salary in Illinois?

$45,000 in Illinois provides a monthly take-home of approximately $3,003 after taxes. Across major Illinois cities, this salary is rated comfortable, with an average monthly surplus of $573.

What is the cost of living on $45,000 in Illinois?

The average monthly living cost across major Illinois cities is approximately $2,430 for a single adult (rent, food, transport, utilities, healthcare). On $45,000 take-home pay of $3,003/month, you would have roughly $573/month remaining.

Living in Illinois · 2026

Is $45,000 enough to live in Illinois?

Single adult · IL · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Comfortable

Monthly take-home

$3,003

Avg monthly expenses

$2,430

Avg monthly surplus

$573

Savings potential

~19%

After-tax take-home in Illinois

Gross salary$45,000

Federal income tax− $3,294

State income tax− $2,228

Social Security− $2,790

Medicare− $653

Annual take-home$36,035

Effective tax rate19.92%

How $45,000 feels in Illinois cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Chicago

COL index: 1.38× national avg

Very tight

Rent (1BR)

$2,000

Food

$519

Transport

$241

Utilities

$228

Healthcare

$276

Total: $3,264/mo

Surplus: $-261/mo

Rent burden: 66.6% — Unaffordable (> 50%)

Full Chicago analysis →

Aurora

COL index: 1.08× national avg

Comfortable

Rent (1BR)

$1,400

Food

$493

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,476/mo

Surplus: $527/mo

Rent burden: 46.6% — High (35–50%)

Full Aurora analysis →

Naperville

COL index: 1.18× national avg

Manageable

Rent (1BR)

$1,600

Food

$528

Transport

$207

Utilities

$195

Healthcare

$236

Total: $2,766/mo

Surplus: $237/mo

Rent burden: 53.3% — Unaffordable (> 50%)

Full Naperville analysis →

Joliet

COL index: 1.00× national avg

Comfortable

Rent (1BR)

$1,250

Food

$462

Transport

$175

Utilities

$165

Healthcare

$200

Total: $2,252/mo

Surplus: $751/mo

Rent burden: 41.6% — High (35–50%)

Full Joliet analysis →

Rockford

COL index: 0.91× national avg

Comfortable

Rent (1BR)

$1,050

Food

$409

Transport

$159

Utilities

$150

Healthcare

$182

Total: $1,950/mo

Surplus: $1,053/mo

Rent burden: 35.0% — Manageable (25–35%)

Full Rockford analysis →

Springfield

COL index: 0.88× national avg

Comfortable

Rent (1BR)

$1,000

Food

$396

Transport

$154

Utilities

$145

Healthcare

$176

Total: $1,871/mo

Surplus: $1,132/mo

Rent burden: 33.3% — Manageable (25–35%)

Full Springfield analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $3,003 ($36,036/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,502

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$901

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$601

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$18,018

Wants / year

$10,811

Savings / year

$7,207

Salary Intelligence

Financial pressure in Chicago

Rent alone would take 67% of take-home income. This salary creates significant financial pressure in this city — a $80,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 1.2/10 (Difficult)

Lifestyle Assessment

A $45,000 salary does not fully cover typical living expenses for a single adult in Chicago, Illinois. Monthly costs exceed take-home pay by $261, indicating this income is insufficient for an independent lifestyle here without additional income or reduced spending.

Purchasing Power

Chicago's above-average cost of living (index: 1.38) means $45,000 provides the purchasing power of roughly $32,609 in an average-cost US city, or $38,478 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$45,000 is 2% below the Illinois individual median of $45,700. Consider negotiating a higher salary or exploring higher-paying roles in this state.

State individual median

$45,700

-2%

State household median

$78,433

-43%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

Contribute to a Traditional IRA — Up to $1,540 in federal tax (22% bracket)

$45,000 vs. Illinois income benchmarks

Individual median (Illinois)

$45,700

-2% vs. this salary

Household median (Illinois)

$78,433

-43% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Illinois

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.