Can I Afford to Live in Chicago vs Birmingham on $80K?
Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Chicago IL | Birmingham AL |
|---|---|---|
| Monthly take-home (est.) | $4,730 | $4,723 |
| 1BR rent | $1,900 | $1,200 |
| Groceries (est.) | $388 | $357 |
| Transport (est.) | $105 | $40 |
| Utilities | $165 | $175 |
| Internet | $65 | $58 |
| Left after essentials | $2,107/month | $2,893/month |
Frequently asked questions
Is $80K a good salary in Chicago?
At $80K/year in Chicago, your estimated monthly take-home is $4,730. With 1BR rent around $1,900/month, rent takes up 40% of your take-home. That's considered tight.
Is $80K a good salary in Birmingham?
At $80K/year in Birmingham, your estimated monthly take-home is $4,723. With 1BR rent around $1,200/month, rent takes up 25% of your take-home. That's considered comfortable.
Which city is more affordable on a $80K salary?
Birmingham leaves you with more money after core expenses — $2,893/month vs $2,107/month in Chicago.
Can I afford to live alone in Chicago on $80K?
It's tight. Rent in Chicago would take 40% of your $80K take-home pay. You may need to find roommates or look at studios to stay within the 30% rule.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only