If you’re thinking about moving to Chicago, you’re not alone. It is, after all, one of the most livable cities in the country: you get big-city energy without the coastal attitude, and there’s also space to breathe, neighborhoods with real character, and a skyline shaped by both steel and imagination.
People aren’t just drawn to the city’s culture, architecture, and food scene — but also its affordability compared to New York or LA. You can tour a Frank Lloyd Wright house in the morning, grab a $5 hot dog for lunch, and see a jazz set in a dimly-lit basement by night. And, of course, the city has its trade-offs, too. Winters are cold. Crime is complex. But for many, the pros outweigh the cons.
In this guide, we’ll break down everything you need to know before you make the leap. We’ll cover the cost of living in Chicago, the best places to live in Chicago, the current job market, and what to expect from the city’s weather, housing, and transit. We’ll also walk through a practical Chicago-specific moving checklist and dig into the real pros and cons of living in Chicago.
If you’re looking for honest insights and real reasons to move to Chicago, this is the place to start.
9 Things To Know About Living in Chicago (Before Moving to Chicago)
If you're weighing whether this city is right for you, start here. Forget the tourist version‚ this is the real stuff. The cost. The housing. The weather. The neighborhoods. And what it’s actually like to build a life in the middle of the Midwest.
Whether you’re coming for work, family, or a fresh start, this list will give you a clearer picture of what to expect and how to prepare.
1. The cost of living in Chicago is lower than in most major cities
Chicago offers a more affordable lifestyle compared to other major U.S. cities. The cost of living in Chicago is approximately 36% lower than in New York City, with housing costs being about 41% less expensive.
To live comfortably in Chicago, a single adult needs an annual salary of about $93,999, based on the 50/30/20 budgeting rule (50% needs, 30% wants, 20% savings or debt repayment). This is lower than the salary required for a similar lifestyle in cities like New York or San Francisco.
Additionally, the MIT Living Wage Calculator estimates that a single adult in the Chicago-Naperville-Elgin metro area needs to earn approximately $51,752 annually before taxes to meet basic living expenses.
2. The Chicago housing market offers more space for less money
Chicago's housing market provides more space at a lower cost compared to other major cities. The average apartment rent in Chicago is $2,361 for approximately 746 square feet, which means more room than similar rentals in cities like New York or San Francisco.
Rental prices vary significantly across neighborhoods. For instance, in Sheffield, the average rent is $4,041, while in Rogers Park, it's $1,464. This wide range allows for flexibility depending on budget and lifestyle preferences.
3. The Chicago job market is diverse but depends on your field
Chicago's job market offers a broad array of opportunities, but its strength varies across industries. According to the Bureau of Labor, as of November 2024, the Chicago-Naperville-Elgin metropolitan area reported a total nonfarm employment of approximately 4.8 million, which is a slight decrease of 0.2% from the previous year.
Notably, sectors like education and health services experienced growth, adding 12,300 jobs, while professional and business services saw a decline of 23,400 positions.
The unemployment rate in Chicago stood at 5.5% in March 2025. This rate remains higher than the national average, suggesting a competitive job environment. Industries such as technology, healthcare, and education continue to be robust, with tech roles like software engineers and data scientists in high demand.
4. The best places to live in Chicago vary by lifestyle and budget
In the Windy City, you can find whatever you want, and that’s what makes it such an attractive place to live. Across the various neighborhoods, there’s vibrant nightlife, family-friendly schools, and straight-up affordability.
Best for young professionals: West Loop
The West Loop is a dynamic neighborhood known for its trendy restaurants, art galleries, and proximity to Downtown. It's a popular choice for young professionals who appreciate a lively atmosphere and easy access to public transportation.
The area has seen significant development and offers modern apartments and chic coworking spaces.
Best for families: Lincoln Square
Lincoln Square offers a family-friendly environment with a strong sense of community. The neighborhood boasts excellent public schools, parks, and cultural events.
Its walkable streets and diverse housing options make it an attractive choice for families seeking a balance between city living and suburban comfort.
Most affordable: Rogers Park
Rogers Park is one of Chicago's most affordable neighborhoods, with average rents significantly below the city median.
Located on the Far North Side, it offers a diverse community, access to Lake Michigan beaches, and a variety of dining and shopping options. The neighborhood's affordability and cultural richness appeal to renters and first-time homebuyers alike.
Safest neighborhood: Edison Park
Edison Park is recognized for its low crime rates and strong community involvement. Situated on the city's northwest edge, it offers a suburban feel with the benefits of city amenities.
The neighborhood features well-maintained homes, reputable schools, and a variety of local businesses, making it a top choice for those prioritizing safety.
5. Chicago’s climate swings from brutal winters to breezy summers
Chicago has all four seasons — and it doesn’t hold back on any of them. Winters are cold and often harsh, with January lows dipping into the teens and wind chills that cut through even the thickest coat. Snowfall is common, and the lake effect can intensify storms, especially in the eastern neighborhoods.
Spring and fall offer some relief. April and May bring milder temps and blooming parks, while September and October tend to be crisp and clear. Summer in Chicago is a vibe all its own — highs in the 80s, lakefront festivals, rooftop bars, and long bike rides along Lake Shore Drive. Just be ready for the occasional humidity spike or thunderstorm. If you're moving to Chicago, pack for every possibility. You’ll need it.
6. Public transit is affordable and connects the whole city
Getting around Chicago is surprisingly manageable without a car — and for many, it’s the smarter choice. The city’s transit system, run by the CTA, includes a network of buses and “L” trains that reach nearly every corner of the city and run frequently throughout the day. A 30-day unlimited ride pass costs $75, making it one of the more affordable big-city transit systems.
Walkability is another win. Many neighborhoods are designed for pedestrians, especially places like the Loop, Lincoln Park, and Lakeview. If you do have a car, be prepared for some tradeoffs. Parking is tight and often expensive. Street sweeping schedules, permit zones, and winter parking bans can turn parking into a part-time job all its own. For most new arrivals, the L and a good pair of boots are enough to get started.
7. The food scene goes way beyond deep dish pizza
Yes, the deep dish is real — and yes, it’s worth trying at least once. But Chicago’s food scene is far more than cheese and crust. This is a city that treats food like a form of identity. You’ll find Michelin-starred restaurants blocks from late-night tamale carts. You can eat Italian beef one day and upscale Korean BBQ the next.
Neighborhoods like Pilsen, Chinatown, and Albany Park each bring their own flavor — literally. The Maxwell Street Polish is still a staple. So are jibaritos, Chicago-style dogs, and the kind of hole-in-the-wall diners that haven’t changed since the '70s. Moving to Chicago means eating well, often, and without much effort. (Be sure to watch that waistline!)
8. Chicago’s parks, lakefront, and green spaces are major perks
For a city known for architecture and industry, Chicago doesn’t skimp on nature. The city’s lakefront is lined with over 26 miles of public parks and trails, including the iconic Lakefront Trail, a stretch that runs from the South Shore to Edgewater and stays packed with runners, cyclists, and people just out for a stroll.
Lincoln Park, one of the largest and most beloved green spaces, offers everything from free zoo access to nature reserves, gardens, and sports fields. Nearly every neighborhood has a park of its own, and the Chicago Park District keeps them active with fitness classes, movie nights, and community rec programs. If you’re moving to Chicago and wondering where you’ll unwind, the answer is probably closer than you think.
9. The city’s central location makes travel surprisingly easy
Chicago sits at the heart of the country, and that’s no small perk! Whether you're traveling for work or taking a weekend trip, it’s easy to get in and out. O’Hare International Airport is one of the busiest in the world, with direct flights almost anywhere. Midway handles a lot of domestic traffic and is often quicker to navigate.
For shorter trips, Amtrak and regional rail make it easy to reach places like Milwaukee, St. Louis, or Indianapolis without a car. Even driving works here: the grid system is straightforward, and Chicago connects directly to several major interstates. Moving to Chicago means being able to explore more of the Midwest without needing to book a week off or spend a fortune.
Moving to Chicago Checklist
You’ve read the pros and cons, considered the cost, and maybe even picked a neighborhood. Now it’s time to make the move. This moving to Chicago checklist walks you through the practical steps that will make your transition smoother and keep you from scrambling last-minute. Additionally, it might be worth considering moving apps to lower your stress levels.
Here’s how to move to Chicago the smart way.
Step 1: Choose your Chicago neighborhood and start looking for a place
Chicago’s neighborhoods are incredibly diverse, so take time to find one that fits your lifestyle.
Will you be commuting to the Loop every day? Prioritize transit access. Do you need top-rated public schools? Look at areas like Lincoln Square or Beverly. Want nightlife, culture, and a fast pace? West Loop and Wicker Park are solid bets.
Once you’ve narrowed it down, start checking listings early, especially if you’re planning to rent. Inventory moves fast.
Step 2: Declutter before your move
Moving costs add up fast, especially if you’re paying by the pound. Before you pack, do a deep edit of your belongings.
Sell or donate what you don’t use, and be realistic about what will actually fit in a Chicago apartment. The less you bring, the less you’ll pay, and the less you’ll stress about unpacking on the other end.
Step 3: Get organized with a moving binder
There are a lot of moving parts when you relocate to a city like Chicago. Keep everything in one place — whether that’s a physical binder or a shared Google Drive folder.
Use it to track lease documents, utility transfers, moving dates, and local to-dos. You’ll need to register your vehicle and get an Illinois driver’s license, sign the kids up for school if applicable, and possibly apply for a parking permit depending on your neighborhood.
Step 4: Start packing early
Begin with rooms you rarely use, like the attic, basement, or guest room, and save the kitchen and bedroom essentials for last. Label boxes clearly and keep daily-use items separate.
Starting a couple weeks ahead gives you time to pack thoughtfully rather than throwing everything into boxes at the last second.
Step 4: Choose experienced movers who know how to move to Chicago
City moving is its own beast. Narrow stairwells, tight corners, parking permits, and loading zones all add complexity. Choose a moving company that knows how to handle both interstate moving (if you’re relocating from afar) as well as Chicago’s quirks.
If possible, avoid peak times. Moving during the off-season — winter or early spring — tends to be cheaper. Mid-week and mid-month dates are also less expensive and easier to book.
Making the Move to Chicago
Living in Chicago means balancing weather with walkability, cost with culture, and big-city energy with neighborhood calm. For many, it’s a trade-off that pays off — and that’s why so many choose to call it home.
When you’re ready to take the leap, let Colonial Van Lines help you get there. With more than 50 years of experience handling long-distance moves, we know how to navigate everything from cross-country transport to downtown traffic and three-story walk-ups. We’ll handle the logistics so you can focus on starting fresh. Get a free quote today and find expert help for your move to the Windy City.