Cost of living comparison · updated September 2026
Chicago, Illinois vs Plano, Texas: cost of living
The modeled monthly cost is the same in Chicago, Illinois and Plano, Texas for one person with a balanced setting. Use the category view below to see where the two budgets still differ.
Read the result in context
Start with the total, then inspect the categories and household scenarios before you turn the percentage into a salary or relocation decision.
The short answer
The modeled monthly cost is the same.
Both cities land at $3,330 in the balanced one-person model. The category breakdown still shows where the two baskets differ.
No difference in the balanced model.
Illustration for $6,500 take-home pay in Chicago, Illinois.
$100 separates the two category estimates.
Direct answer
What does the difference mean each month?
The estimated monthly budget is $3,330 in Chicago, Illinois and $3,330 in Plano, Texas. That is a difference of no modeled difference before personal adjustments.
This comparison keeps the same household and lifestyle on both sides. It answers one narrow question: what happens when the same recurring basket is repriced in another city? It does not decide which neighborhood, salary, tax system or lifestyle will fit you best.
Monthly cost breakdown for Chicago, Illinois and Plano, Texas
| Category | Chicago, Illinois | Plano, Texas | Difference |
|---|---|---|---|
| Housing | $1,800 | $1,900 | +$100 |
| Groceries | $530 | $550 | +$20 |
| Dining out | $190 | $160 | −$30 |
| Transport | $125 | $120 | −$5 |
| Home utilities | $170 | $165 | −$5 |
| Internet & mobile | $65 | $65 | Same |
| Insurance & protection | $20 | $15 | −$5 |
| Healthcare | $100 | $85 | −$15 |
| Medicines & pharmacy | $30 | $25 | −$5 |
| Personal care | $25 | $20 | −$5 |
| Clothing & footwear | $35 | $30 | −$5 |
| Household goods | $20 | $15 | −$5 |
| Household services | $30 | $25 | −$5 |
| Fitness & wellness | $75 | $65 | −$10 |
| Entertainment & subscriptions | $50 | $40 | −$10 |
| Leisure | $65 | $50 | −$15 |
| Total | $3,330 | $3,330 | Same |
Where the comparison changes most
Housing is the largest modeled pressure point, but the order matters for your own decision. Check the first four categories below before you spend time optimizing smaller lines.
Housing
Chicago, Illinois $1,800 · Plano, Texas $1,900 · $100 higher in Plano, Texas
Home size, tenure and neighborhoodDining out
Chicago, Illinois $190 · Plano, Texas $160 · $30 lower in Plano, Texas
Meal frequency and local restaurant pricesGroceries
Chicago, Illinois $530 · Plano, Texas $550 · $20 higher in Plano, Texas
Household size, diet and routineHealthcare
Chicago, Illinois $100 · Plano, Texas $85 · $15 lower in Plano, Texas
Appointments, dental care and out-of-pocket treatmentSalary translation
A cost difference is not automatically a salary offer.
If you take home $6,500 in Chicago, Illinois, repricing the same balanced basket in Plano, Texas implies about $6,500 per month. The difference is $0, but your gross offer can move differently after tax, benefits, pension and employer coverage.
Current take-home$6,500Chicago, Illinois
→
Spending-equivalent$6,500Plano, Texas
Use the salary calculator for your own income, household and lifestyle settings.
Open salary calculatorHousehold scenarios
The gap changes when the household changes.
Housing and food do not scale in exactly the same way for every household. These balanced scenarios show how the recurring comparison moves when the same city pair is used for one person, a couple or a family.
HouseholdChicago, IllinoisPlano, TexasDifference
One person$3,330$3,330Same
Couple$5,160$5,160Same
Family of four$7,330$7,330Same
Use the result correctly
A comparison narrows the decision. It does not make it for you.
Replace broad assumptions with the details that actually determine your move. The closer the headline totals are, the more important those details become.
Price the neighborhoodUse the home size, lease terms and commute you would really choose.
Translate take-home payCompare net income and benefits, not only gross salary.
Check your marginLook at what remains after core costs, savings and recurring obligations.
Keep the date visiblePrices, exchange rates and housing markets change at different speeds.
Comparison FAQ
Questions that change the answer.
Use these checks when the headline percentage looks surprising or when the two cities appear unusually close.
Which city is more expensive, Chicago, Illinois or Plano, Texas?
The modeled balanced basket is the same in both cities at $3,330 per month for one person.
How much salary would I need in Plano, Texas?
If you currently take home $6,500 per month in Chicago, Illinois, the spending-equivalent estimate for Plano, Texas is $6,500. This is a budget translation, not a market salary prediction or a tax calculation.
What changes the Chicago, Illinois and Plano, Texas comparison most?
Housing has the largest modeled difference at $100 per month. Housing, transport and household size can outweigh smaller category changes, so replace those assumptions first.
Why is the reverse percentage different?
The forward percentage uses Chicago, Illinois as the base. Reversing the comparison uses Plano, Texas as the base, so Chicago, Illinois is 0% more expensive in the reverse statement. Both calculations can be correct because the denominator changes.
Do these city estimates include taxes or moving costs?
No. The comparison covers recurring living categories in USD equivalent. Income tax, benefits, savings, debt, childcare, education, deposits, visas and one-time moving costs need to be added for your situation.