State Guides

Moving to Chicago: big-city life at a Midwest price

Neighborhoods, the L train, winter prep and why Chicago rent surprises coastal newcomers.

Cloud Gate sculpture in downtown Chicago

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Chicago gets overlooked by people who only consider the coasts, which is part of its appeal. You get a real skyline, a lakefront with beaches and bike paths, a deep job market and rents that make coastal newcomers do a double take.

Neighborhoods newcomers like

  • Lincoln Park and Lakeview: near the lake, busy with young professionals
  • Logan Square: restaurants and bars, Blue Line to downtown and O’Hare
  • Pilsen: Mexican-American culture, murals, galleries
  • Hyde Park: around the University of Chicago, calmer and more affordable
  • Rogers Park: diverse, near Loyola, lower rents by the lake

Getting around

The CTA runs the “L” trains and buses. Tap a Ventra card or your phone. The Blue Line runs 24 hours between downtown and O’Hare, which is handy after late flights. Divvy bikes cover most of the city.

Getting through winter

Winters are long and cold, and wind off Lake Michigan makes it feel colder. Buy a proper insulated coat, waterproof boots, gloves and a hat once you arrive. Locals swear by layers. Many older buildings include heat in the rent, which can save you a lot on bills. Get it confirmed in the lease.

Worth knowing: Summer makes up for winter. Street festivals, beaches and outdoor concerts fill almost every weekend from June to September.

Taxes and costs

Illinois has a flat state income tax, and Chicago’s sales tax is one of the highest in the US. Groceries and medicine are taxed at a lower rate. Property taxes are high, which shows up in rent.

Frequently asked questions

Is Chicago cheaper than New York?

For most renters, yes. Comparable apartments in Chicago typically cost noticeably less than in Manhattan or Brooklyn.

Do I need a car in Chicago?

Not if you live near an L station. Many residents rely on transit, biking and occasional rideshares.

USA Life Nest Editorial Team

Written and reviewed by people who moved to the US as students, workers and families. We update guides when rules or prices change.

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