đź“Š Lifestyle Match
Visualizing the tradeoffs between Franklin and Chicago
Head-to-Head Analysis
Franklin vs Chicago
Detailed breakdown of cost of living, income potential, and lifestyle metrics.
đź“‹ The Details
Line-by-line data comparison.
| Category / Metric | Franklin | Chicago |
|---|---|---|
| Financial Overview | ||
| Median Income | $118,156 | $74,474 |
| Unemployment Rate | 3.6% | 4.2% |
| Housing Market | ||
| Median Home Price | $811,460 | $365,000 |
| Price per SqFt | $323 | $261 |
| Monthly Rent (1BR) | $1,442 | $1,507 |
| Housing Cost Index | 107.3 | 110.7 |
| Cost of Living | ||
| Groceries Index | 94.8 | 103.3 |
| Gas Price (Gallon) | $3.40 | $3.40 |
| Safety & Lifestyle | ||
| Violent Crime (per 100k) | 672.7 | 819.0 |
| Bachelor's Degree+ | 65.6% | 45.7% |
| Air Quality (AQI) | 32 | 38 |
Expert Verdict
AI-generated analysis based on current data.
Here is the ultimate head-to-head showdown between Chicago, Illinois and Franklin, Tennessee.
Chicago vs. Franklin: The Ultimate Relocation Showdown
You’re at a crossroads. One path leads to the Windy City’s iconic skyline, deep-dish pizza, and a pace that never sleeps. The other leads to Franklin, Tennessee—a charming, historic town with rolling hills, Southern hospitality, and a vibe that feels like a breath of fresh air.
Choosing between these two is about more than just geography; it’s a choice between two completely different ways of life. As your relocation expert, I’ve crunched the numbers, analyzed the lifestyle data, and am here to give you the unvarnished truth. Let’s dive in.
The Vibe Check
Chicago is the quintessential big-city beast. It’s a 24/7 metropolis where culture, food, and career opportunities collide. You aren't just living here; you're surviving and thriving in the heart of the Midwest. The city pulses with energy—world-class museums, a legendary food scene, and a lakefront that rivals any ocean view. It’s for the hustler, the culture vulture, and anyone who wants anonymity and endless options at their fingertips.
Franklin is the picture-perfect Southern gem. Part of the Nashville metro area, it offers a slower, more deliberate pace of life. Think historic downtown squares, farmers' markets, and a community feel where neighbors actually know each other. It’s upscale, family-oriented, and steeped in history. Franklin is for those who want big-city amenities (hello, Nashville!) without the concrete jungle, prioritizing quality of life over sheer volume of options.
Who is it for?
- Chicago: The career-driven professional, the foodie, the arts lover, and the urbanite who thrives on diversity and buzz.
- Franklin: The family-oriented professional, the nature lover, the history buff, and anyone seeking a picturesque, community-focused lifestyle with a touch of Southern charm.
The Dollar Power: Where Does Your Salary Feel Bigger?
This is where the rubber meets the road. You might see a higher median income in Franklin, but the cost of living tells a different story. Let's break down the purchasing power.
Salary Wars:
Franklin boasts a median income of $118,156—a whopping 58% higher than Chicago’s $74,474. However, Franklin’s median home price is $811,460 compared to Chicago’s $365,000. That’s a staggering 122% premium for housing. While groceries and utilities might be similar, that housing cost is a massive drain on your paycheck.
If you earn $100,000 in Franklin, after taxes (TN has no state income tax, a huge plus!), a significant chunk goes to housing. In Chicago, your $100,000 goes much further in terms of housing, leaving more cash for entertainment, dining, and travel. Chicago offers better "bang for your buck" on shelter, while Franklin’s higher income is often offset by the cost of entry to its desirable neighborhoods.
Taxes:
- Franklin (TN): No state income tax. This is a massive financial advantage. You keep more of your paycheck.
- Chicago (IL): Flat state income tax of 4.95%. This adds a noticeable bite to your take-home pay compared to Tennessee.
Cost of Living Comparison Table
| Category | Chicago, IL | Franklin, TN | Winner |
|---|---|---|---|
| Median Income | $74,474 | $118,156 | Franklin |
| Median Home Price | $365,000 | $811,460 | Chicago |
| Rent (1BR) | $1,507 | $1,442 | Franklin (Slight Edge) |
| Housing Index | 110.7 | 107.3 | Chicago (Lower Index = More Affordable) |
| Violent Crime (per 100k) | 819.0 | 672.7 | Franklin (Safer) |
| Avg. Winter Temp (Feb) | 21.0°F | 46.0°F | Franklin (Much Warmer) |
The Insight: Franklin’s higher income is tempting, but the housing market is a beast. Chicago’s lower median home price and slightly higher rent make it the more accessible option for a mid-range earner. However, if you can afford Franklin’s housing, the no-income-tax state structure is a financial game-changer long-term.
The Housing Market: Buy vs. Rent
Chicago:
The market is competitive but balanced. With a Housing Index of 110.7, it’s above the national average but not exorbitant. The median home price of $365,000 is within reach for many professionals. Renting is a viable, often necessary, first step. The market offers a mix of vintage charm (classic brick walk-ups) and modern high-rises. It’s a buyer’s market in some suburbs, but prime city neighborhoods move fast.
Franklin:
This is a different beast. Franklin is part of the booming Nashville metro, and the housing demand is fierce. The median home price of $811,460 puts it in luxury territory for many. The Housing Index of 107.3 is slightly better than Chicago, but the sheer price tag makes it a seller’s market. You’re competing with Music City money and retirees. Renting is a good way to test the waters, but buying requires deep pockets. Expect bidding wars and limited inventory.
Verdict: For affordability and more entry-level options, Chicago wins. For those with a higher budget seeking a single-family home in a picturesque setting, Franklin is the prize, but you’ll pay for it.
The Dealbreakers: Quality of Life
Traffic & Commute
Chicago is legendary for its traffic. Commutes can be brutal—think 45-60 minutes for a 10-mile drive. The saving grace is public transit. The "L" train and bus system are extensive, making car-free living possible in many neighborhoods. However, rush hour is a city-wide phenomenon.
Franklin is a car-dependent city. While the commute within Franklin is generally smoother than Chicago gridlock, getting to Nashville for work or entertainment can add up. There’s light rail (the Music City Star), but it’s limited. You’ll likely need a car.
Winner for Commute: Franklin (by car), Chicago (if you can ditch the car and use transit).
Weather: The Big Divider
This is a massive deciding factor.
- Chicago: Winters are brutal. Average February temps are 21.0°F, but wind chills can plunge into the negative teens. Snow is a reality from November to April. Summers are hot and humid. You need a serious winter wardrobe and a tolerance for gray skies.
- Franklin: A dream for those fleeing cold. February averages a balmy 46.0°F. Winters are mild, with occasional snow flurries. Summers are hot and humid (think mid-90s), but the green landscape is stunning. You get four distinct seasons without the extreme freeze.
Winner for Weather: Franklin, by a landslide. Unless you love winter sports, Chicago’s climate is a major hurdle.
Crime & Safety
No city is perfect, but the data is clear.
- Chicago: The violent crime rate is 819.0 per 100,000. This is high and a reality of big-city living. Safety varies drastically by neighborhood; some areas are perfectly safe, while others are best avoided. You must be street-smart.
- Franklin: The rate is 672.7 per 100,000—lower than Chicago, but still above the national average. Franklin is considered a safe, family-friendly community, especially compared to major metros, but property crime can occur. It’s generally perceived as much safer.
Winner for Safety: Franklin. The data and perception align here.
The Final Verdict
Choosing between Chicago and Franklin isn't about which city is "better," but which is better for you. Here’s the ultimate breakdown.
Winner for Families: Franklin
Why: Safety, top-rated schools, a strong community feel, and those mild winters make it an idyllic place to raise kids. The higher median income potential (for the household) and no state income tax are huge financial pluses for a family budget. The trade-off is the high cost of housing, but for many, the quality of life is worth the price.
Winner for Singles/Young Professionals: Chicago
Why: The sheer volume of opportunities is unmatched. Networking, career growth, cultural events, and a dating scene that’s diverse and dynamic. You can live in a vibrant neighborhood without a car, and the lower entry price for rent (though high) compared to Franklin’s home prices makes it more accessible. It’s a city that pushes you to grow.
Winner for Retirees: Franklin
Why: Weather is the #1 factor for retirees, and Franklin wins hands-down. The milder climate, lower cost of living (specifically no state income tax on retirement income), and slower pace are ideal. The community is welcoming, and access to Nashville’s entertainment provides plenty to do without the chaos. Chicago’s harsh winters are a dealbreaker for many seniors.
At a Glance: Pros & Cons
Chicago: The Urban Powerhouse
- PROS:
- Affordable Housing: Median home price of $365,000 is far more accessible than Franklin.
- World-Class Culture: Museums, theater, restaurants, and sports on a global level.
- Public Transit: Excellent system reduces the need for a car.
- Diversity & Opportunity: Endless career paths and a melting-pot community.
- CONS:
- Brutal Winters: Cold, snow, and wind for nearly half the year.
- High Crime: Violent crime rate of 819.0/100k is a serious concern.
- Traffic & Commutes: Notorious congestion.
- State Income Tax: 4.95% of your paycheck goes to Springfield.
Franklin: The Southern Sanctuary
- PROS:
- Warmer Climate: Mild winters (46°F avg) and beautiful springs/falls.
- Higher Median Income: $118,156 potential for households.
- No State Income Tax: A massive financial advantage.
- Safety & Community: Lower violent crime and a strong, family-friendly vibe.
- CONS:
- Sticker Shock on Housing: Median home price of $811,460 is a major barrier.
- Car Dependency: You’ll need a vehicle for daily life.
- Smaller City Feel: Fewer big-city amenities compared to Chicago (though Nashville is close).
- Competitive Market: Buying a home is a fierce battle.
The Bottom Line: If you’re seeking adventure, career velocity, and can handle the cold, Chicago offers incredible value and excitement. If you’re prioritizing safety, weather, and a community-focused life for your family—and can swing the housing costs—Franklin is the Southern dream. Choose wisely.