Chicago-Naperville-Elgin, IL-IN vs. Lake Havasu City-Kingman, AZ
Empirical side-by-side analysis of regional cost of living, HUD fair market rents, statutory tax burdens, and occupational compensation spread.
Featured Metro Comparisons
BLS median wage across all occupations, HUD one-bedroom Fair Market Rent, and state and local income tax on a $75,000 salary for a single filer, first metro over second.
| Comparison | Median Wage | 1BR Rent / mo | Tax on $75k | Median Buys More In |
|---|
Featured Occupation Comparisons
National BLS OEWS median wage and employment, first occupation over second.
| Comparison | National Median | BLS Jobs | Higher Median |
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How the comparisons are calculated
Metro comparisons use each area's BLS OEWS May 2025 median wage across all occupations, HUD's FY2027 one-bedroom Fair Market Rent, and the state and local income tax a single filer owes on $75,000 under 2026 rules. "Median buys more in" divides each median by the area's living-cost index from the EPI Family Budget Calculator; it reads "Not published" where BLS or EPI publishes no figure for the area.
Occupation comparisons use national BLS OEWS medians and job counts. Each comparison page goes further: the occupations both metros publish wages for, or each occupation's 10th to 90th percentile pay and the metros where both are published. Pick any two metros or occupations above to build your own comparison.
Chicago-Naperville-Elgin, IL-IN
Lake Havasu City-Kingman, AZ
Executive Takeaway & Purchasing Power Verdict
The BLS median wage across all occupations is $54,720 in Chicago-Naperville-Elgin, IL-IN and $44,230 in Lake Havasu City-Kingman, AZ, 19.2% lower in Lake Havasu City. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $959 in Lake Havasu City (46.1% lower in Lake Havasu City). On a $75,000 salary a single filer pays $1,473 in state and local income tax in Lake Havasu City versus $3,568 in Chicago, $2,095 less a year in Lake Havasu City. EPI family budgets put overall living costs 12.7% lower in Lake Havasu City, so $75,000 in Chicago goes about as far as $65,470 in Lake Havasu City. Adjusted for living costs, the median wage buys about 8.0% more in Chicago-Naperville-Elgin, IL-IN than in Lake Havasu City-Kingman, AZ.
Chicago-Naperville-Elgin, IL-IN vs Lake Havasu City-Kingman, AZ: Shared Occupation Wages
Comparing empirical BLS median wages across common professions in both labor markets.
| Category / Role | Chicago-Naperville-Elgin, IL-IN Median | Lake Havasu City-Kingman, AZ Median | Advantage Delta | Action |
|---|---|---|---|---|
| Chief ExecutivesSOC 11-1011 | $344,960 | $120,900 | -65% | Dossier |
| Computer and Information Systems ManagersSOC 11-3021 | $173,760 | $133,980 | -22.9% | Dossier |
| Human Resources ManagersSOC 11-3121 | $156,770 | $123,310 | -21.3% | Dossier |
| Architectural and Engineering ManagersSOC 11-9041 | $163,430 | $113,320 | -30.7% | Dossier |
| Financial ManagerSOC 11-3031 | $168,810 | $105,290 | -37.6% | Dossier |
| Sales ManagersSOC 11-2022 | $158,690 | $113,850 | -28.3% | Dossier |
| Nurse PractitionerSOC 29-1171 | $131,740 | $131,450 | -0.2% | Dossier |
| Physician AssistantSOC 29-1071 | $127,940 | $129,460 | +1.2% | Dossier |
| Software EngineerSOC 15-1252 | $134,380 | $114,750 | -14.6% | Dossier |
| Industrial Production ManagersSOC 11-3051 | $129,840 | $110,630 | -14.8% | Dossier |
| Construction ManagersSOC 11-9021 | $117,280 | $111,060 | -5.3% | Dossier |
| Medical and Health Services ManagersSOC 11-9111 | $123,090 | $102,430 | -16.8% | Dossier |
Head-to-Head Comparison Frequently Asked Questions
Is it cheaper to live in Chicago-Naperville-Elgin, IL-IN or Lake Havasu City-Kingman, AZ?
Lake Havasu City-Kingman, AZ is cheaper: its cost-of-living index (from EPI family budgets, U.S. = 100) is 109.8 versus 125.8 in Chicago-Naperville-Elgin, IL-IN. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago-Naperville-Elgin, IL-IN and $959 in Lake Havasu City-Kingman, AZ.
How much do I need to earn in Lake Havasu City-Kingman, AZ to match $75,000 in Chicago-Naperville-Elgin, IL-IN?
About $65,470. That scales $75,000 by the ratio of the two metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 109.8 in Lake Havasu City-Kingman, AZ); it does not account for differences in taxes.
Do jobs pay more in Chicago-Naperville-Elgin, IL-IN or Lake Havasu City-Kingman, AZ?
The BLS median wage across all occupations is $54,720 in Chicago-Naperville-Elgin, IL-IN and $44,230 in Lake Havasu City-Kingman, AZ. Pay for a specific occupation can differ; the table on this page compares BLS medians for occupations published in both metros.
How do income taxes compare between Chicago-Naperville-Elgin, IL-IN and Lake Havasu City-Kingman, AZ?
Chicago-Naperville-Elgin, IL-IN has a top state rate of 4.95%; a single filer earning $75,000 pays $3,568 in state and local income tax there. Lake Havasu City-Kingman, AZ has a top state rate of 2.5%; a single filer earning $75,000 pays $1,473 in state and local income tax there. Federal income tax and FICA are the same in both.
Where does the median wage go further?
Dividing each metro's BLS median wage by its cost-of-living index, the median wage buys about 8.0% more in Chicago-Naperville-Elgin, IL-IN than in Lake Havasu City-Kingman, AZ.
Chicago-Naperville-Elgin, IL-IN vs. Lake Havasu City-Kingman, AZ: Reverse Comparison & Regional Hubs
Side-by-side wage, living expense, & tax arbitrage comparison for Chicago-Naperville-Elgin, IL-IN vs. Lake Havasu City-Kingman, AZ. Empirical BLS earnings. Official 2026 economic data for Chicago-Naperville-Elgin, IL-IN vs. Lake Havasu City-Kingman, AZ compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.
Quick answers
Lake Havasu City-Kingman, AZ is cheaper: its cost-of-living index (from EPI family budgets, U.S. = 100) is 109.8 versus 125.8 in Chicago-Naperville-Elgin, IL-IN. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago-Naperville-Elgin, IL-IN and $959 in Lake Havasu City-Kingman, AZ.
About $65,470. That scales $75,000 by the ratio of the two metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 109.8 in Lake Havasu City-Kingman, AZ); it does not account for differences in taxes.