Chicago-Naperville-Elgin, IL-IN vs. Sebring, FL Comparison (2026)
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
Sebring, FL
Executive Takeaway & Purchasing Power Verdict
The BLS median wage across all occupations is $54,720 in Chicago-Naperville-Elgin, IL-IN and $40,400 in Sebring, FL, 26.2% lower in Sebring. HUD's one-bedroom Fair Market Rent is $1,780 a month in Chicago and $1,022 in Sebring (42.6% lower in Sebring). On a $75,000 salary a single filer pays no state and local income tax in Sebring, versus $3,568 in Chicago. EPI family budgets put overall living costs 25.5% lower in Sebring, so $75,000 in Chicago goes about as far as $55,860 in Sebring. Adjusted for living costs, the median wage buys about 0.9% more in Chicago-Naperville-Elgin, IL-IN than in Sebring, FL.
Chicago-Naperville-Elgin, IL-IN vs Sebring, FL: Shared Occupation Wages
Comparing empirical BLS median wages across common professions in both labor markets.
| Category / Role | Chicago-Naperville-Elgin, IL-IN Median | Sebring, FL Median | Advantage Delta | Action |
|---|---|---|---|---|
| Chief ExecutivesSOC 11-1011 | $344,960 | $100,430 | -70.9% | Dossier |
| Financial ManagerSOC 11-3031 | $168,810 | $105,770 | -37.3% | Dossier |
| Sales ManagersSOC 11-2022 | $158,690 | $112,270 | -29.3% | Dossier |
| Software EngineerSOC 15-1252 | $134,380 | $116,110 | -13.6% | Dossier |
| Nurse PractitionerSOC 29-1171 | $131,740 | $114,870 | -12.8% | Dossier |
| Physician AssistantSOC 29-1071 | $127,940 | $105,920 | -17.2% | Dossier |
| Medical and Health Services ManagersSOC 11-9111 | $123,090 | $106,480 | -13.5% | Dossier |
| Education Administrators, Kindergarten through SecondarySOC 11-9032 | $128,780 | $80,690 | -37.3% | Dossier |
| Construction ManagersSOC 11-9021 | $117,280 | $84,260 | -28.2% | Dossier |
| Management AnalystSOC 13-1111 | $105,090 | $92,980 | -11.5% | Dossier |
| General and Operations ManagersSOC 11-1021 | $109,390 | $81,020 | -25.9% | Dossier |
| Registered Nurse (RN)SOC 29-1141 | $100,490 | $85,690 | -14.7% | Dossier |
Head-to-Head Comparison Frequently Asked Questions
Is it cheaper to live in Chicago-Naperville-Elgin, IL-IN or Sebring, FL?
Sebring, FL is cheaper: its cost-of-living index (from EPI family budgets, U.S. = 100) is 93.7 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 $1,022 in Sebring, FL.
How much do I need to earn in Sebring, FL to match $75,000 in Chicago-Naperville-Elgin, IL-IN?
About $55,860. That scales $75,000 by the ratio of the two metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 93.7 in Sebring, FL); it does not account for differences in taxes.
Do jobs pay more in Chicago-Naperville-Elgin, IL-IN or Sebring, FL?
The BLS median wage across all occupations is $54,720 in Chicago-Naperville-Elgin, IL-IN and $40,400 in Sebring, FL. 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 Sebring, FL?
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. Sebring, FL has no state income tax; a single filer earning $75,000 pays $0 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 0.9% more in Chicago-Naperville-Elgin, IL-IN than in Sebring, FL.
Chicago-Naperville-Elgin, IL-IN vs. Sebring, FL: Reverse Comparison & Regional Hubs
Side-by-side wage, living expense, and tax arbitrage comparison for Chicago-Naperville-Elgin, IL-IN vs. Sebring, FL. Empirical BLS earnings and HUD benchmarks. Official 2026 economic data for Chicago-Naperville-Elgin, IL-IN vs. Sebring, FL compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.
Quick answers
Sebring, FL is cheaper: its cost-of-living index (from EPI family budgets, U.S. = 100) is 93.7 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 $1,022 in Sebring, FL.
About $55,860. That scales $75,000 by the ratio of the two metros' cost-of-living indexes (125.8 in Chicago-Naperville-Elgin, IL-IN, 93.7 in Sebring, FL); it does not account for differences in taxes.