Chicago IL vs Memphis TN — 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%
Memphis, TN
Tennessee · Population: 629,063
- Median HH Income$51,211
- Median Home Price$147,306
- Unemployment8.3%
- Bachelor's+28.2%
Detailed Comparison
Demographics
Population
Chicago
2,707,648
Chicago +
Memphis
629,063
Pop. Density / sq mi
Lower = more space
Chicago
N/A
Memphis
N/A
Median Age
Chicago
35.7
Memphis
34.3
Memphis +
Foreign Born
Chicago
20.7%
Chicago +
Memphis
7.4%
White
Chicago
39.1%
Chicago +
Memphis
25.0%
Black
Chicago
28.4%
Memphis
62.9%
Memphis +
Asian
Chicago
7.1%
Chicago +
Memphis
1.7%
Hispanic
Chicago
29.6%
Chicago +
Memphis
10.2%
Spanish at Home
Chicago
N/A
Memphis
N/A
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Population | 2,707,648 | 629,063 | Chicago + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.7 | 34.3 | Memphis + |
| Foreign Born | 20.7% | 7.4% | Chicago + |
| White | 39.1% | 25.0% | Chicago + |
| Black | 28.4% | 62.9% | Memphis + |
| Asian | 7.1% | 1.7% | Chicago + |
| Hispanic | 29.6% | 10.2% | Chicago + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Chicago
$75,134
Chicago +
Memphis
$51,211
Per Capita Income
Chicago
$48,148
Chicago +
Memphis
$32,314
Per Capita Personal Income (MSA)
BEA MSA-level
Chicago
$68,110
Chicago +
Memphis
$59,097
Unemployment Rate
Chicago
7.9%
Chicago +
Memphis
8.3%
Poverty Rate
Chicago
16.8%
Chicago +
Memphis
22.5%
Bachelor's Degree+
Chicago
43.3%
Chicago +
Memphis
28.2%
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Median HH Income | $75,134 | $51,211 | Chicago + |
| Per Capita Income | $48,148 | $32,314 | Chicago + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $59,097 | Chicago + |
| Unemployment Rate | 7.9% | 8.3% | Chicago + |
| Poverty Rate | 16.8% | 22.5% | Chicago + |
| Bachelor's Degree+ | 43.3% | 28.2% | Chicago + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Chicago
$324,183
Memphis
$147,306
Memphis +
Homeownership Rate
Chicago
45.5%
Memphis
46.0%
Memphis +
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $324,183 | $147,306 | Memphis + |
| Homeownership Rate | 45.5% | 46.0% | Memphis + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Chicago
344
Chicago +
Memphis
639
Property Crime / 100K
FBI CDE (state-level est.)
Chicago
1842
Chicago +
Memphis
2350
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 639 | Chicago + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 2350 | Chicago + |
Health
Obesity Rate
CDC PLACES
Chicago
32.6%
Chicago +
Memphis
42.1%
Diabetes Rate
CDC PLACES
Chicago
12.0%
Chicago +
Memphis
17.6%
Poor Mental Health
CDC PLACES — 14+ days/month
Chicago
16.0%
Chicago +
Memphis
20.7%
No Health Insurance
CDC PLACES
Chicago
13.6%
Chicago +
Memphis
14.9%
Binge Drinking
CDC PLACES
Chicago
19.0%
Memphis
13.5%
Memphis +
Current Smokers
CDC PLACES
Chicago
11.9%
Chicago +
Memphis
19.9%
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.6% | 42.1% | Chicago + |
| Diabetes RateCDC PLACES | 12.0% | 17.6% | Chicago + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 20.7% | Chicago + |
| No Health InsuranceCDC PLACES | 13.6% | 14.9% | Chicago + |
| Binge DrinkingCDC PLACES | 19.0% | 13.5% | Memphis + |
| Current SmokersCDC PLACES | 11.9% | 19.9% | Chicago + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Chicago
49.2°F
Chicago +
Memphis
60.9°F
Annual Precipitation
NOAA 1991–2020 normal
Chicago
37.8 in
Chicago +
Memphis
54.9 in
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 49.2°F | 60.9°F | Chicago + |
| Annual PrecipitationNOAA 1991–2020 normal | 37.8 in | 54.9 in | Chicago + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Chicago
9.4 µg/m³
Memphis
8.9 µg/m³
Memphis +
Good Air Days
AQI ≤ 50
Chicago
55.0%
Memphis
75.0%
Memphis +
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 8.9 µg/m³ | Memphis + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Memphis + |
Commute
Mean Commute Time
Census ACS
Chicago
36.5 min
Memphis
22.9 min
Memphis +
| Metric | Chicago, IL | Memphis, TN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 36.5 min | 22.9 min | Memphis + |
Which City is Right for You?
Chicago leads in median household income at $75,134, while memphis offers more affordable housing with a median home price of $147,306. On public safety, Chicago is safer with a violent crime rate of 344 per 100,000 residents, compared to 639 in Memphis. Chicago has a lower unemployment rate at 7.9%, and Memphis has cleaner air (PM2.5 avg 8.9 µg/m³). For overall health outcomes, Chicago scores better with a lower obesity rate of 32.6%.
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