Chicago has a way of slowly drawing people in. The first might be the skyline, the lakefront, the food, or the energy of a city where there’s always something going on. But for many residents, it’s the combination of big-city opportunities and unique local character that makes Chicago such a great place to live. From quiet tree-lined streets to a bustling downtown, this city offers a variety of lifestyles in one place. Still, living in Chicago isn’t for everyone. Although the winters can be harsh, the city’s combination of energy, community spirit, and affordability compared to other large cities makes it an exceptional place to call home.
So, is Chicago, IL a good place to live? Whether you’re considering a starter townhome or browsing homes for sale in Chicago, learn what it’s like to live in one of the country’s most dynamic cities.
Chicago overview
Median home sale price $395,400 Number of active listings 26,679 Days on market 51 Walk score 77/100 Traffic score 65/100 Bike score 72/100
What is life like in Chicago?
Living in Chicago can often feel like you’re living in multiple cities at once. While downtown has the skyscrapers, museums, theaters, and riverside views that people envision when they think of a city, neighborhoods outside the Loop feel more local and unique. Places like Lincoln Park, Logan Square, Hyde Park, Lakeview, Wicker Park, Andersonville, and Pilsen each have their own unique personalities, home styles, restaurants, parks, and community feel.
This neighborhood atmosphere is one of Chicago’s greatest strengths. Residents can choose between lively, walkable areas with nightlife and transportation nearby, or quiet residential neighborhoods with parks, schools, and local coffee shops. Despite its big-city pace, Chicago still leaves room for personal daily life, whether it’s walking to the train, meeting friends at a corner bar, or heading to the lake when the weather finally warms up.
1. Vibrant arts and culture scene
You can’t miss Chicago’s creative side. Spend an afternoon wandering through museums, catch a show under the glittering marquee of a Chicago theater, or catch live music at a neighborhood festival. The city’s arts scene isn’t limited to one neighborhood or one type of experience; it appears in jazz clubs, gallery walks, dance performances, public murals, summer festivals, and historic venues throughout the city.
“I’ve been to nearly 50 countries and all 50 states in the United States, and every time I return to Chicago, I’m reminded why Chicago is the best city in the United States. The food scene is unparalleled, and you have options for whatever you want to eat, sometimes even an entire neighborhood. It really builds character. There are endless cultural options for escaping the ice and snow indoors, even in the winter when you need it. Perhaps most importantly, no matter where you go or how long you’re away, Chicago will welcome you with open arms when you’re ready to return. There’s a fierce loyalty there that doesn’t exist anywhere else,” said Agnes Gronwald of Travel on the Leg.
2. High consumption tax
One cost that can catch people off guard in Chicago is sales tax. The city’s total sales tax rate is 10.25%, which is higher than many other major U.S. cities because it includes state, county, city, and local taxes. While this may not seem like a lot for a one-time purchase, it can add up over time, especially if you’re buying furniture, appliances, or other big-ticket items. While these tax revenues help fund public services and infrastructure, they can also increase the overall cost of living for residents.
3. Exciting sports and entertainment options
Chicago makes it easy to fill your calendar with whatever entertainment you enjoy. The harbor is a big part of the city’s rhythm, drawing fans of the Chicago Cubs, White Sox, Bulls, Bears, and Blackhawks. The city is also home to world-class theaters, with Steppenwolf Theater Company and Goodman Theater putting on great productions. Music lovers can enjoy a variety of genres at famous venues such as the Chicago Symphony Orchestra and the iconic blues clubs on the city’s South Side. When the sun goes down, neighborhoods like River North, Wicker Park, Logan Square, and the West Loop are home to Chicago’s energetic and varied nightlife scene, with everything from cocktail bars and lounges to late-night music venues.
4. Living expenses
The cost of living in Chicago is higher than many cities in the Midwest, primarily due to the housing market and the expenses associated with living in a metropolitan area. Costs of living, transportation, groceries, and medical care are above the national average, while utility costs are slightly below the national average.
Here are some examples of how the cost of living in Chicago stacks up with the national average.
Housing costs are 45% higher than the national average Utility costs are 4% lower than the national average Grocery costs are 4% higher than the national average Transportation costs are 3% higher than the national average
>>Read: What are the average mortgage payments in Illinois?
5. World-class cuisine and dining options
Chicago is a city that takes food seriously. Deep-dish pizza may be the closest thing to living up to that reputation, but the local dining scene goes far beyond that. You’ll find everything from award-winning restaurants and chef-driven tasting menus to neighborhood bakeries, taquerias, hot dog stands, food halls, and locals’ trusted late-night spots.
From authentic Mexican cuisine in Pilsen to vibrant Asian fusion in Chinatown, each neighborhood in the city has hidden gems. Don’t forget to try their famous Chicago-style hot dogs. It’s a mouth-watering snack served at the city’s countless streetside stalls. Whether you’re a foodie or just love eating good food, Chicago’s dining scene is sure to leave you satisfied and wanting more.
6. Traffic jam
Driving in Chicago is one of the most frustrating parts of city life. Freeways and major roads are often congested during rush hours, and parking can be difficult to find in densely populated areas. The city has plenty of transportation options, including buses, L-trains, bike lanes, and walkable areas, making it easy to get around without relying on your car every day. Still, if you plan on driving regularly, it’s worth incorporating traffic, parking, and extra travel time into your daily routine.
“Chicago traffic is a slow grinding machine designed to test your soul, especially when you’re stuck in the Kennedy River and passing through drinking neighborhoods,” elaborates Christian Naja of Estate Motion. “But that’s the taxes you pay for a city with real bones and muscles, a place where the food is heavy, the winters are harsh, and the people give you straight taxes. If you move here, choose an area where you can walk to the corner tavern, because trying to cross this town by horse power will only break your spirit.”
7. Lakefront and plenty of outdoor space
Chicago has a beautiful lakefront and numerous outdoor spaces, giving residents and visitors plenty of opportunities to enjoy the great outdoors. The city has 29 miles of public beaches, including North Avenue Beach and Oak Street Beach, where you can relax, swim, or stroll along the shoreline. There are also numerous parks along the lake, including Grant Park and Millennium Park, which offer great city views and host a variety of outdoor events and concerts. Additionally, Chicago has more than 600 public parks and 42 miles of lakefront trails, perfect for biking, running, and walking.
“It’s easy to say there’s no place like Chicago, but that’s not the case,” explains Ross Neag, founder of the Chicago Building Inspections Association. “It’s a great city on a gorgeous lake, with all the infrastructure you need. Great food, transportation, housing, sports, rivers, green space, art, music, and everything else you can think of. We’re easy targets, but Chicagoans are generous, kind, and welcoming. Friendly and loyal. You don’t have to look far to find new friends and activities or learn new sides of the city. And if you’re moving to Chicago, don’t hesitate to turn to local experts like Chicago Building Inspectors along the way. ”
8. Transportation access
Chicago’s convenient transportation makes it an ideal location for people who want to live in the city without relying on a car. The city’s extensive public transportation system includes an “L” train and bus system, bike share options, and water taxis. The Chicago Transit Authority (CTA) provides reliable and affordable transportation to all parts of the city, including O’Hare International Airport. Additionally, Chicago is known as a pedestrian-friendly neighborhood, with many amenities and attractions within walking distance.
Is Chicago a good place to live?
For many people, the answer is yes. Chicago has the energy of a big city, but its neighborhoods, lakefront, food, and local traditions give it a personality that feels distinctly its own. Living here comes with trade-offs, from cold winters to big-city prices, but Chicago offers a rare combination of culture, walkability, career opportunities, and everyday community. For residents who want a city that feels vibrant, layered, and deeply rooted, Chicago has a way of asserting itself.
