Chicago IL vs Clearwater FL — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Chicago, IL
Illinois · Population: 2,707,648
- Median HH Income$75,134
- Median Home Price$324,183
- Unemployment7.9%
- Bachelor's+43.3%
Clearwater, FL
Florida · Population: 117,075
- Median HH Income$64,440
- Median Home Price$341,503
- Unemployment4.7%
- Bachelor's+32.5%
Detailed Comparison
Demographics
Population
Chicago
2,707,648
Chicago +
Clearwater
117,075
Pop. Density / sq mi
Lower = more space
Chicago
N/A
Clearwater
N/A
Median Age
Chicago
35.7
Chicago +
Clearwater
46.4
Foreign Born
Chicago
20.7%
Chicago +
Clearwater
17.0%
White
Chicago
39.1%
Clearwater
70.3%
Clearwater +
Black
Chicago
28.4%
Chicago +
Clearwater
10.2%
Asian
Chicago
7.1%
Chicago +
Clearwater
3.6%
Hispanic
Chicago
29.6%
Chicago +
Clearwater
17.1%
Spanish at Home
Chicago
N/A
Clearwater
N/A
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Population | 2,707,648 | 117,075 | Chicago + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.7 | 46.4 | Chicago + |
| Foreign Born | 20.7% | 17.0% | Chicago + |
| White | 39.1% | 70.3% | Clearwater + |
| Black | 28.4% | 10.2% | Chicago + |
| Asian | 7.1% | 3.6% | Chicago + |
| Hispanic | 29.6% | 17.1% | Chicago + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Chicago
$75,134
Chicago +
Clearwater
$64,440
Per Capita Income
Chicago
$48,148
Chicago +
Clearwater
$42,934
Per Capita Personal Income (MSA)
BEA MSA-level
Chicago
$68,110
Chicago +
Clearwater
$65,328
Unemployment Rate
Chicago
7.9%
Clearwater
4.7%
Clearwater +
Poverty Rate
Chicago
16.8%
Clearwater
15.4%
Clearwater +
Bachelor's Degree+
Chicago
43.3%
Chicago +
Clearwater
32.5%
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Median HH Income | $75,134 | $64,440 | Chicago + |
| Per Capita Income | $48,148 | $42,934 | Chicago + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $65,328 | Chicago + |
| Unemployment Rate | 7.9% | 4.7% | Clearwater + |
| Poverty Rate | 16.8% | 15.4% | Clearwater + |
| Bachelor's Degree+ | 43.3% | 32.5% | Chicago + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Chicago
$324,183
Chicago +
Clearwater
$341,503
Homeownership Rate
Chicago
45.5%
Clearwater
59.1%
Clearwater +
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $324,183 | $341,503 | Chicago + |
| Homeownership Rate | 45.5% | 59.1% | Clearwater + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Chicago
344
Clearwater
324
Clearwater +
Property Crime / 100K
FBI CDE (state-level est.)
Chicago
1842
Clearwater
1453
Clearwater +
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 324 | Clearwater + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 1453 | Clearwater + |
Health
Obesity Rate
CDC PLACES
Chicago
32.6%
Chicago +
Clearwater
33.3%
Diabetes Rate
CDC PLACES
Chicago
12.0%
Chicago +
Clearwater
13.5%
Poor Mental Health
CDC PLACES — 14+ days/month
Chicago
16.0%
Chicago +
Clearwater
16.8%
No Health Insurance
CDC PLACES
Chicago
13.6%
Chicago +
Clearwater
14.7%
Binge Drinking
CDC PLACES
Chicago
19.0%
Clearwater
15.6%
Clearwater +
Current Smokers
CDC PLACES
Chicago
11.9%
Chicago +
Clearwater
14.0%
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.6% | 33.3% | Chicago + |
| Diabetes RateCDC PLACES | 12.0% | 13.5% | Chicago + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 16.8% | Chicago + |
| No Health InsuranceCDC PLACES | 13.6% | 14.7% | Chicago + |
| Binge DrinkingCDC PLACES | 19.0% | 15.6% | Clearwater + |
| Current SmokersCDC PLACES | 11.9% | 14.0% | Chicago + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Chicago
49.2°F
Chicago +
Clearwater
73.8°F
Annual Precipitation
NOAA 1991–2020 normal
Chicago
37.8 in
Chicago +
Clearwater
54.7 in
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 49.2°F | 73.8°F | Chicago + |
| Annual PrecipitationNOAA 1991–2020 normal | 37.8 in | 54.7 in | Chicago + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Chicago
9.4 µg/m³
Clearwater
7.2 µg/m³
Clearwater +
Good Air Days
AQI ≤ 50
Chicago
55.0%
Clearwater
75.0%
Clearwater +
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 7.2 µg/m³ | Clearwater + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Clearwater + |
Commute
Mean Commute Time
Census ACS
Chicago
36.5 min
Clearwater
25.3 min
Clearwater +
| Metric | Chicago, IL | Clearwater, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 36.5 min | 25.3 min | Clearwater + |
Which City is Right for You?
Chicago leads in median household income at $75,134, while chicago offers more affordable housing with a median home price of $324,183. On public safety, Clearwater is safer with a violent crime rate of 324 per 100,000 residents, compared to 344 in Chicago. Clearwater has a lower unemployment rate at 4.7%, and Clearwater has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Chicago scores better with a lower obesity rate of 32.6%.
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