If moving to Chicago sounds like your ideal next chapter, you’re not alone. The Windy City gained 22,164 new residents over the past year, making it one of the top 10 U.S. cities with the most population growth. Not only does living in Chicago place you at the center of a diverse culture, entertainment, and attractions full of infectious urban energy, but it also offers an iconic skyline on the shores of Lake Michigan.
Of course, there are some factors you’ll want to consider before moving to Chicago. Think: the climate and weather, the housing and rental market, the employment forecast, the public transit situation, and how the cost of living in Chicago compares to other metro areas. But don’t sweat it — this guide will cover all you need to know about living in Chicago before you make the leap—along with a handy moving checklist to streamline your transition.
10 Considerations to Know About Living in Chicago (Before Moving to Chicago)
Moving long-distance can be an enormous undertaking, but it helps when you’re clear on what to expect from your new home. Whether you’re moving to Chicago for a new career opportunity, the city’s blend of urban thrills and Midwest charm, or just a fresh start and change of scenery, here’s what to consider about life in the Windy City.
1. The cost of living in Chicago is lower than other major cities
Depending on where you move from, Chicago can offer a more affordable lifestyle than what you’re used to. The cost of living in Chicago is currently 16% above the national average—but it’s not as expensive as some major U.S. cities.
Chicago is 24% cheaper than New York City, 22% cheaper than San Francisco, 12% cheaper than Boston, and 7% cheaper than Los Angeles. With that said, the cost of living in Chicago exceeds most urban centers across the Midwest. It’s 16% higher than Milwaukee, 14% higher than Kansas City, 9% higher than Detroit, and 6% higher than Minneapolis.
To put these numbers in context, if you’re moving to Chicago from New York, you will spend only about $7,688 per month to maintain the same quality of life that would have cost you $11,000 back in NYC. On the other hand, if you’re moving to Chicago from Milwaukee, those basic living expenses will increase by around $1,688 per month.
So what salary is required to live comfortably in Chicago? Based on the 50/30/20 budget rule (50% needs, 30% wants, 20% savings or debt repayment), a single adult with no children needs to earn about $103,500 per year, while a family of four needs to earn about $121,970 per year. This is steep, but not as high as the salaries required in NYC or LA.
2. The Chicago housing market offers more space for less money
Living in Chicago means access to surprisingly reasonable home values. The median cost of a house in the Windy City is about $305,460, compared to the national average of $359,240. This will be a breath of fresh air if you’re moving to Chicago from a place like San Francisco, where homes generally cost over a million dollars.
But while the housing market in Chicago tends to be quite affordable, the rental market is more expensive. A one-bedroom apartment in Chicago will set you back around $2,357 per month, and a two-bedroom will cost around $3,205. That’s much pricier than the national average of $1,743 per month.
Of course, rent varies based on the Chicago neighborhood you choose. For instance, a one-bedroom apartment in Rogers Park only costs $1485 per month, versus a one-bedroom in River North, which costs $3,057.
3. The Chicago job market is diverse and booming with opportunity
As of 2025, the Chicago metro area has 4.8 million jobs, 30,600 of which were created within this past year. According to recent estimates, the unemployment rate is also lower than other parts of the country — 4.2% versus the national average of 4.6%. So if you want a robust job market with a diverse assortment of industries and a competitive annual base salary ($85,000, on average), then moving to Chicago fits the bill.
The top business sectors in Chicago include finance, healthcare, education, life science, food service, tourism, manufacturing, construction, transportation, and technology. It’s the second largest Fortune 500 market in the U.S. too—just behind New York City.
4. The best places to live in Chicago vary based on lifestyle and budget
The Windy City boasts 77 neighborhoods, each catering to specific budget parameters and unique lifestyle preferences. 77 neighborhoods is a ton of square miles to cover, so we’ll narrow the search with our picks for the best places to live in Chicago. Whether you want a vibrant nightlife scene or family-oriented vibes, this list has you covered.
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West Loop: Best for Young Professionals
The West Loop is a dynamic urban hotspot known for its trendy restaurants, boutiques, art galleries, and convenient proximity to downtown. This makes it an obvious choice for young professionals who want lively entertainment and easy access to public transit. The West Loop area has also seen significant revitalization in recent years, leading to an influx of chic high-rise lofts and sleek mixed-use coworking spaces.
Lincoln Square: Best for Families
Lincoln Square offers a warm, family-centric environment with a strong sense of community. This neighborhood also boasts excellent public schools, lush green spaces, and year-round cultural events. Its walkable streets and various housing options—from historic row homes to modern single-family houses—make it an attractive choice for families seeking a balance between urban city convenience living and suburban comfort.
Rogers Park: Best for affordability
Rogers Park is one of Chicago's most affordable neighborhoods, with the average cost of rent significantly below the city-wide median. Located on the Far North Side, Rogers Park offers a diverse community feel, access to pristine Lake Michigan beaches, and a variety of retail and restaurant options. This seamless fusion of affordable housing and an energetic atmosphere will attract both renters and first-time home buyers alike.
Edison Park: Best for safety ratings
Edison Park is recognized for its low crime rates, peaceful tree-lined streets, and some of the best public schools in Chicago. Situated on the city's northwest edge, it offers a suburban feel with urban amenities. This neighborhood also features well-maintained homes in various architectural styles, from pitched-roof Tudor cottages to mid-century modern bungalows.Edison Park’s central hub is home to cute local businesses as well. The area, however, is not as culturally diverse as many other parts of Chicago.
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. The Windy City’s continental climate means cold, harsh winters and warm, breezy—but often humid—summers. When moving to Chicago, plan for winter months that can drop below freezing and usher in 35 inches of snowfall and just 189 days of sunshine per year. Due to its waterfront location, a seasonal phenomenon called lake effect can intensify frigid temperatures and winter blizzards, especially in the eastern neighborhoods.
Fortunately, both the fall and spring offer some relief. April and May bring milder temperatures and blooming parks, while September and October are crisp and clear, perfect for outdoor recreation. Summer in Chicago is a vibe all its own — 80-degree weather creates the optimal conditions for festivals, rooftop bars, and leisurely bike rides along Lake Shore Drive. Just be ready for the humidity spikes and occasional thunderstorms.
6. Public transit is affordable and connects the whole city
Chicago is easy to navigate without a car — and for many residents, it’s the smarter choice. The public transit system includes a network of buses and “L” trains, which run throughout the day across 127 routes and 1,516 square miles to almost every corner of the metro area. Compared to other major cities, Chicago’s public transit system is quite affordable too. A 30-day unlimited ride pass only costs $75, versus $132 in New York City.
Walkability is another win. Chicago is the fourth most walkable U.S. city, with neighborhoods— such as the Loop, Lincoln Park, and Lakeview—built for pedestrians. If you do have a car, brace yourself for some tradeoffs. Parking is limited, expensive, and often a hassle due to street sweeping schedules, permit zones, and winter parking bans.
7. The food scene in Chicago offers more than just deep dish pizza
The deep dish pizza culture here is real, and it’s an experience worth trying at least once. But Chicago’s food scene is far more than cheese and crust. The Windy City treats its cuisine like a form of identity, with Michelin-starred restaurants just a few blocks from late-night tamale carts. Culinary options run the full gamut too — you can eat a casual Italian beef sandwich for lunch, followed by upscale Korean BBQ for dinner.
Neighborhoods like Pilsen, Chinatown, and Albany Park each bring their own flavor, literally. The Maxwell Street Polish sausage is a staple. So are the jibaritos, Chicago-style hotdogs, and 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 lakefront beaches and green spaces are major perks
Although this city is known for architecture and industry, Chicago doesn’t skimp on nature. The lakefront boasts over 26 miles of public trails and parks, including the iconic Lakefront Trail that runs from South Shore to Edgewater. This scenic, multi-use path is always teeming with runners, cyclists, and both tourists and locals out for a stroll.
Lincoln Park—the city’s largest and most famous green space — offers everything from free zoo access to nature reserves, gardens, and sports fields. Almost every neighborhood has its own park, and the Chicago Park District keeps them active with fitness classes, social events, and community recreation programs. If you’re moving to Chicago and still want to enjoy outdoor activities, you won’t have to sacrifice nature for an urban lifestyle.
9. Living in Chicago means being part of a historic sports culture
The Windy City is home to eight professional teams across seven major sports leagues. These historic franchises (think: six-time Stanley Cup–winning Blackhawks), along with iconic athletic venues such as Wrigley Field, make Chicago one of the most definitive sports cities in the U.S. Chicago fans are passionate too — case in point: the fierce MLB rivalry between the Chicago Cubs and White Sox dates all the way back to 1900.
Moving to Chicago means, chances are, you’ll encounter this infectious sports culture on a daily basis, so you might as well choose a team (or several). Not sure who to root for? Here’s a quick rundown of all the major professional teams across the Windy City:
NFL Football: Chicago Bears
NHL Hockey: Chicago Blackhawks
MLB Baseball: Chicago Cubs and White Sox
NBA Basketball: Chicago Bulls
MLS Soccer: Chicago Fire
WNBA Basketball: Chicago Sky
NWSL Soccer: Chicago Stars
10. Chicago’s central location makes travel easy and accessible
Chicago sits at the heart of the U.S., and that’s no small perk! Whether you're traveling for business or jetting off on a weekend trip, it’s simple to get from Point A to Point B. O’Hare International Airport has direct flights to almost anywhere on earth, while the easy-to-navigate Midway Airport makes domestic travel both quick and convenient.
For shorter trips, Amtrak and regional Midwest railways connect to other nearby cities such as Milwaukee, St. Louis, or Indianapolis without a car. But if you prefer to drive, Chicago also offers direct access to several major interstates. Living in Chicago means being able to explore the Midwest (or even further) free of hassle.
Pros and Cons of Living in Chicago
Is Chicago a good place to live? If you’re into classic urban vibes with world-class attractions right on your doorstep—and without the over-inflated prices of somewhere like NYC or LA—the answer is, “Yes.” But just like all cities, moving to Chicago does come with potential drawbacks. Here are the pros and cons of living in Chicago:
Pros of Living in Chicago | Cons of Living in Chicago |
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Moving to Chicago Checklist
You know the pros and cons, cost of living, and which part of town speaks to you. Now it’s time to make the leap. This moving to Chicago checklist offers a smoother transition, so you can avoid common moving mistakes (such as scrambling at the last minute). Here’s how to plan your move to Chicago the smart and seamless way.
Step 1: Start looking for a new home
Chicago has many diverse neighborhoods, so look for one that fits your needs. Will you be commuting downtown for work? Prioritize transit access. Do you value top-rated schools? Consider areas like Lincoln Square or Beverly. Want nightlife, culture, and a fast, energetic pace? West Loop and Wicker Park are solid bets. Once you narrow it down, check the home listings as soon as possible. Inventory moves fast—especially in the rental market.
Step 2: Declutter before your move
Moving costs can escalate fast, so before you start packing, declutter your home and sort through what’s essential to bring versus what you can part with. Sell or donate what you no longer don’t use, and be realistic about what will fit in a Chicago apartment. The less you load the truck with, the less it will cost—and the fewer items you’ll have to unload and unpack.
Step 3: Stay organized with a binder
There are a lot of logistics to manage when relocating to a city the size of Chicago. So keep yourself organized with a physical binder or a Google Drive folder. Use it to store information like lease documents, utility transfers, moving dates, and local to-dos.
You’ll need to register your vehicle, obtain an Illinois driver’s license, enroll the kids in school (if applicable), and other new resident line items. A moving binder makes it easier to organize and track these tasks in one place, so they won’t slip through the cracks.
Step 4: Start packing early
Packing several weeks ahead of time allows you to handle the process thoroughly and carefully, instead of just throwing items in boxes. Begin with rooms you don’t use often, like the basement, attic, or guest room, and save the bedroom, kitchen, and bathroom essentials for last. Use the right moving box sizes, label them clearly, and keep daily-use items separate.
Step 5: Choose movers who know the city
City moving is complicated with narrow stairways, tight corners, parking permits, and loading zones. Choose a moving company that knows how to handle interstate moving and the other quirks that come with moving to Chicago. If possible, avoid peak times such as the height of summer. Off-season relocations in the winter or spring, as well as mid-week or mid-month moves, are usually less expensive and easier to schedule.
The Cost of Moving to Chicago
Moving to Chicago from other major cities
As we touched on earlier, the cost of living in Chicago isn’t nearly as expensive as other large urban hubs. If you’re from one of those pricier cities but don’t want to sacrifice all the energy and excitement of an urban lifestyle, moving to Chicago just makes sense. Here are some popular moving routes for Chicago relocations as well as an estimate of how much they cost for an average-sized, two-bedroom home. Actual moving costs will vary depending on where you’re moving from, how much stuff you’re moving, and the time of year.
Moving from Boston to Chicago
Bostonians who want to trade in East Coast hurriedness for friendlier, more laidback Midwestern hospitality might find the 983-mile trek to Chicago totally worth it. Expect to pay $4,000–$5,000 for full-service movers when moving from Boston to Chicago.
Moving from San Francisco to Chicago
Bay Area residents who are sick of inflated housing costs and limited inventory in San Francisco might find themselves drawn to Chicago’s affordable real estate market 2,128 miles away. Expect to pay $4,700–$5,700 for full-service movers when moving from San Francisco to Chicago.
Moving from New York to Chicago
New Yorkers who need more space to breathe (and less strain on their wallets) are sure to thrive in Chicago. This 790-mile trip still offers the efficient public transit system, world-class entertainment scene, and vibrant multicultural atmosphere that New Yorkers are used to. Expect to pay $3,800–$4,800 for full-service movers when moving from New York to Chicago.
Moving to Chicago from other Midwestern cities
As the largest city in the Midwest, Chicago is the region’s hub for commerce, entertainment, technology, and culture. Not to mention, its location on Lake Michigan offers spectacular views and waterfront activities. These unique, versatile selling points make the Windy City a desirable spot for Midwesterners who want a change of scenery. Here’s what you can expect to pay for these popular Midwestern moves to Chicago for an average-sized two-bedroom home:
Moving from Detroit to Chicago
Detroiters who are looking for career options outside the automotive industry will appreciate Chicago’s diverse economy and robust job market built on a wide variety of business sectors. Plus, relocating from the Motor to the Windy City is just a 284-mile drive. Expect to pay $3,400–$4,400 for full-service movers when moving from Detroit to Chicago.
Moving from Milwaukee to Chicago
Milwaukee residents who want to replace rush hour traffic with a quick commute on the “L” train will love Chicago’s carless lifestyle, which puts all the urban amenities you can imagine within easy reach. Speaking of fast, these two cities are only 91 miles apart. Expect to pay $3,600–$4,700 for full-service movers when moving from Milwaukee to Chicago.
Moving to Chicago: Your Options
All that’s left on your moving to Chicago checklist is actually doing it. Here are your two main options to consider for long-distance moving services:
Rental truck
With this solution, you rent the truck then do the labor yourself — from packing and loading, to driving and unloading. If you’re on a budget, this DIY route can be cheaper than other options, but it also requires serious time and effort. Not to mention, you’ll have to navigate the truck both on interstate highways and within congested city streets.
Full-service movers
With this solution, a professional team of full-service movers will handle each aspect of your move. They’ll load the truck, transport it to the final destination, then unload the entire haul in your new home. A full-service move costs more than the other two options, but it offers ease and convenience—no stressing about manual labor or driving the truck.
Make Your Windy City Move with Colonial Van Lines
If you love the idea of stunning lakefront views, exciting cultural attractions, and surprisingly affordable homes (and you can brave a below-freezing winter), then living in Chicago could be your perfect fit.
When it’s time to make this leap, let Colonial Van Lines help you get there. With extensive experience in long-distance relocation moves, we have the reliable equipment and expertise to streamline your transition. From transporting boxes safely in downtown traffic to carrying furniture up narrow staircases, your items are safe with us. Contact our team for a fast, free moving quote and start your new chapter in the Windy City.