Compare / Bakersfield to Chicago
Bakersfield, CA vs Chicago, IL
Simple answer
You'd likely save $355 a month in Bakersfield.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is housing prices. The BEA housing price parity differs by 21.7 points (Bakersfield 90.3, Chicago 112.0).
California taxes wages at rates up to 13.30%. Illinois taxes wages at a flat 4.95%. Combined sales tax differs by 0.0 percentage points, higher in California. The effective property tax gap is 1.22 percentage points, higher in Illinois.
After a move from California to Illinois, those two example households keep the same benefit status labels. A different income can still split Medicaid and marketplace credits.
A $75,000 salary in Bakersfield lines up with about $77,014 in Chicago on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Bakersfield
Bakersfield-Delano, CA
- 2-bedroom Fair Market Rent
- $1,656
- HUD area
- Bakersfield-Delano, CA MSA
- Census median gross rent
- $1,479
- All-items price parity
- 100.9
- Goods price parity
- 105.2
- Utilities price parity
- 158.3
- Mean commute
- 24.8 min
- Median household income
- $71,596
Chicago
Chicago-Naperville-Elgin, IL-IN
- 2-bedroom Fair Market Rent
- $2,011
- HUD area
- Chicago-Joliet-Naperville, IL HUD Metro FMR Area
- Census median gross rent
- $1,469
- All-items price parity
- 103.6
- Goods price parity
- 107.3
- Utilities price parity
- 83.6
- Mean commute
- 30.9 min
- Median household income
- $90,770
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$77,014
Salary in Chicago that matches the 2024 all-items regional price parity.
$78,607
Gross salary in Chicago whose after-tax pay buys the same basket, using price parities.
$91,078
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | California | Illinois |
|---|---|---|
| State income tax on wages | up to 13.30% | 4.95% flat |
| Combined sales tax, Jan 1, 2026 | 9.0% | 9.0% |
| Effective property tax, ACS 2024 median / median | 0.71% | 1.92% |
On a $400,000 home, the state median effective rate implies about $2,828 a year in California and $7,694 in Illinois. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Illinois
Same household, $40,000 a year, scored once in California and once in Illinois. This is an illustration, not your application.
Food stamps (SNAP)
BakersfieldLikely eligible
ChicagoLikely eligible
Medicaid and CHIP
BakersfieldLikely eligible
ChicagoLikely eligible
WIC
BakersfieldLikely eligible
ChicagoLikely eligible
School meals
BakersfieldLikely eligible
ChicagoLikely eligible
LIHEAP
BakersfieldMaybe
ChicagoMaybe
Earned Income Tax Credit
BakersfieldLikely eligible
ChicagoLikely eligible
Child Tax Credit
BakersfieldLikely eligible
ChicagoLikely eligible
Marketplace premium tax credits
BakersfieldUnlikely
ChicagoUnlikely
Lifeline phone and internet
BakersfieldLikely eligible
ChicagoLikely eligible
SSI
BakersfieldUnlikely
ChicagoUnlikely
| Program | Bakersfield | Chicago |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.
Related comparisons
From Bakersfield
The eight largest 2-bedroom Fair Market Rent gaps from Bakersfield.
- Bakersfield and San Francisco · rent gap $2,041
- Bakersfield and San Jose · rent gap $1,616
- Bakersfield and Boston · rent gap $1,352
- Bakersfield and New York · rent gap $1,315
- Bakersfield and Los Angeles · rent gap $1,308
- Bakersfield and San Diego · rent gap $1,167
- Bakersfield and Miami · rent gap $908
- Bakersfield and Seattle · rent gap $893
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.