📊 Lifestyle Match
Visualizing the tradeoffs between Keene and Chicago
Head-to-Head Analysis
Keene vs Chicago
Detailed breakdown of cost of living, income potential, and lifestyle metrics.
📋 The Details
Line-by-line data comparison.
| Category / Metric | Keene | Chicago |
|---|---|---|
| Financial Overview | ||
| Median Income | $78,183 | $74,474 |
| Unemployment Rate | 3% | 4.2% |
| Housing Market | ||
| Median Home Price | $350,000 | $365,000 |
| Price per SqFt | $222 | $261 |
| Monthly Rent (1BR) | $1,471 | $1,507 |
| Housing Cost Index | 125.3 | 110.7 |
| Cost of Living | ||
| Groceries Index | 106.8 | 103.3 |
| Gas Price (Gallon) | $3.40 | $3.40 |
| Safety & Lifestyle | ||
| Violent Crime (per 100k) | 146.4 | 819.0 |
| Bachelor's Degree+ | 43.4% | 45.7% |
| Air Quality (AQI) | 40 | 38 |
Expert Verdict
AI-generated analysis based on current data.
Chicago vs. Keene: The Ultimate Head-to-Head Showdown
You're standing at a crossroads between two worlds. On one side, the Windy City—a sprawling, iconic metropolis pulsing with energy, deep-dish pizza, and skyscrapers. On the other, Keene—a cozy, historic New England town nestled in the Monadnock region, known for its quaint Main Street and a slower, more deliberate pace of life.
This isn't just a choice between addresses; it's a choice between lifestyles. Are you a city slicker who thrives on anonymity and endless options? Or are you seeking a tight-knit community where neighbors know your name? Let's crack open the data, weigh the pros and cons, and figure out which of these two very different places is the right fit for you.
The Vibe Check: Big City Energy vs. Small-Town Charm
Chicago is the quintessential American city. It’s a beast of 2.6 million people, a global hub for finance, architecture, and the arts. The vibe is fast-paced, gritty, and unapologetically ambitious. You can get lost in the crowds, find a world-class museum on every corner, and experience a culinary scene that rivals any on the planet. It’s a city for those who want to be anonymous in a crowd of millions, yet still have access to every conceivable amenity. If you crave diversity, cultural festivals, and the feeling of being at the center of the universe, Chicago whispers your name.
Keene, with its paltry 22,923 residents, is the polar opposite. It’s the definition of a "Main Street" town. The vibe here is community-focused, outdoorsy, and deeply rooted in New England tradition. Think white-steepled churches, autumn foliage that takes your breath away, and a sense of safety that’s palpable. Life revolves around the local college (Keene State), the historic downtown square, and the surrounding natural beauty. It’s a place for those who value knowing their barista by name, prefer quiet evenings over nightclub hopping, and see a weekend hike as the perfect social plan.
Who is each city for?
- Chicago is for the urban explorer, the career-driven professional, the culture vulture, and anyone who gets energy from the hum of a city.
- Keene is for the nature lover, the family seeking a safe and stable environment, the remote worker who wants charm without isolation, and the retiree looking for peace and a strong sense of community.
The Dollar Power: Where Does Your Money Stretch Further?
This is where the rubber meets the road. You might earn a similar salary in both places, but your purchasing power—what that money can actually buy—can feel drastically different.
Let's start with a side-by-side look at the essential costs.
| Expense Category | Chicago, IL | Keene, NH | The Winner |
|---|---|---|---|
| Median Home Price | $365,000 | $350,000 | Keene (by a hair) |
| Rent (1BR) | $1,507 | $1,471 | Keene (marginally) |
| Housing Index | 110.7 | 125.3 | Chicago |
| Median Income | $74,474 | $78,183 | Keene |
At first glance, the numbers are deceptively similar. Keene’s median income is actually $3,709 higher than Chicago’s, and its median home price is slightly lower. But the Housing Index tells a more nuanced story. Chicago’s index of 110.7 means housing is about 10.7% more expensive than the national average. Keene’s index of 125.3 means it’s a staggering 25.3% more expensive than the national average. This is a classic case of sticker shock—the home price might look comparable, but in Keene, you’re paying a premium for the small-town charm and desirable New England location.
Salary Wars: The $100k Test
Let’s say you earn $100,000. In Chicago, after federal and Illinois state taxes (a flat 4.95%), your take-home pay is roughly $72,000. You’re spending about $18,000 on rent for a decent one-bedroom, leaving you with $54,000 for everything else.
In Keene, New Hampshire has no state income tax. That’s a game-changer. On the same $100k, your take-home is closer to $76,000. Rent is slightly cheaper at $17,652 annually, leaving you with a healthier $58,348.
Verdict: While Keene’s income is higher and it has a tax advantage, the brutal reality is that its housing index is punishing. Your dollar goes slightly further in Keene on a pure cash-flow basis due to no state income tax, but the barrier to entry for buying a home is higher relative to the local economy. Chicago offers more bang for your buck in the housing market, despite the income tax. Keene’s premium is for the lifestyle, not the space.
The Housing Market: Renting vs. Buying in Two Different Worlds
Chicago: A Renter’s Paradise (Mostly)
Chicago’s housing market is a complex beast. With over 2.6 million people, there’s constant demand, but the city is also vast. You can find a high-rise condo in the Loop for a fortune, or a vintage two-flat in a neighborhood like Avondale for a more reasonable price. For renters, the sheer volume of inventory means you have options. It’s a competitive market, but not impossible. The median home price of $365,000 is accessible for dual-income professionals, but for a single buyer, it’s a stretch. The market is generally a seller’s market, but the diversity of neighborhoods means you can find pockets of opportunity.
Keene: A Seller’s Market with a Catch
Keene’s housing market is tight. With a limited supply of homes and a desirable location, it’s a fiercely competitive seller’s market. The median home price of $350,000 seems approachable, but finding a home at that price is the challenge. Inventory is low, and homes sell fast, often with multiple offers. This is where the Housing Index of 125.3 bites. You’re competing against cash buyers and folks moving from more expensive metro areas (like Boston) looking for a bargain. For renters, the story is similar. The rental stock is limited, and while the price seems reasonable, availability is the real issue.
Verdict: For buyers, Chicago offers more variety and slightly more inventory, making it a less frantic experience. For renters, Chicago’s larger market gives you more leverage and choice. Keene is a tough market for newcomers unless you’re a cash buyer or have a very flexible budget.
The Dealbreakers: Quality of Life Under the Microscope
This is where personal preference trumps data. Let’s talk about the daily grind.
Traffic & Commute
- Chicago: Infamous. The "L" train is a lifesaver, but driving is a nightmare. The average commute is 35 minutes, and rush hour traffic can be soul-crushing. Parking is expensive and scarce. If you work downtown, public transit is your best friend.
- Keene: Almost non-existent. The average commute is a blissful 15-20 minutes. You can get almost anywhere in town in under 10 minutes. The biggest traffic jam is during the annual Pumpkin Festival. For drivers, this is paradise.
Weather
- Chicago: Brutal winters. The data point of 21.0°F is just the January average. Lake-effect snow, biting winds, and gray skies are the norm from November to March. Summers are hot and humid, often hitting the 90°F mark with stifling humidity. You need a serious winter wardrobe and a high tolerance for seasonal affective disorder.
- Keene: Classic New England. Winters are cold and snowy (45.0°F is likely a yearly average, not winter—Keene’s winter temps are similar to Chicago’s). However, the seasons are more distinct. Fall is spectacular, spring is lush, and summers are warm but generally less humid than Chicago. The trade-off? You get more snow and Nor'easters.
Crime & Safety
- Chicago: This is a major point of divergence. The violent crime rate of 819.0 per 100,000 people is high—more than 5.5 times Keene’s rate. While many neighborhoods are perfectly safe, the city’s reputation is not unfounded. It requires situational awareness and research on specific blocks.
- Keene: With a violent crime rate of 146.4 per 100,000, Keene is exceptionally safe. It’s the kind of place where people don’t lock their doors. For families and those prioritizing personal safety, this is a massive advantage.
Verdict: Keene wins decisively on commute and safety. Chicago wins on variety of weather experiences (if you love seasons) but loses on winter severity and traffic stress. For daily quality of life, Keene offers a calmer, safer, and more efficient routine.
The Final Verdict: Who Wins the Showdown?
There’s no single winner here—it’s about matching the city to your life stage and priorities.
Winner for Families: Keene
The data is clear. The violent crime rate is 5.5x lower, the schools are generally well-regarded in a small-town setting, and the sense of community is unparalleled. The backyard space, access to nature, and safe streets are a parent’s dream. While the housing market is competitive, the overall environment for raising kids is more stable and secure.
Winner for Singles/Young Pros: Chicago
For career growth, networking, and an active social life, Chicago is in a different league. The job market is massive and diverse. The dating scene, cultural events, and nightlife are endless. You can build a professional network that spans industries. The higher tolerance for urban living (traffic, noise, crime) is a fair trade-off for the unparalleled opportunities and energy.
Winner for Retirees: Keene
If you’re looking to slow down, Keene is a sanctuary. The lack of state income tax is a huge financial boon for retirees on fixed incomes. The peaceful pace, beautiful landscapes, and tight-knit community provide a quality of life that’s hard to find in a major city. While healthcare access is good, for major procedures, Boston is a few hours away—a manageable trade-off for the daily tranquility.
At a Glance: Pros & Cons
Chicago: The Urban Titan
Pros:
- Endless Opportunity: World-class jobs, education, and culture.
- Global Hub: Direct flights anywhere, international cuisine, major sports teams.
- Public Transit: The "L" and buses can make car ownership optional.
- Neighborhood Variety: From the Gold Coast to Logan Square, there’s a vibe for everyone.
Cons:
- High Crime: Requires vigilance and careful neighborhood selection.
- Traffic & Commutes: Can be a daily grind.
- Taxes: Illinois has a flat income tax and high property taxes.
- Harsh Winters: Long, cold, and gray.
Keene: The Charming Sanctuary
Pros:
- Safety & Community: Exceptionally low crime and a strong social fabric.
- Natural Beauty: Four distinct seasons with stunning fall foliage and outdoor access.
- No State Income Tax: A significant financial advantage, especially for high earners.
- Low Stress: Minimal traffic, quiet streets, and a slower pace.
Cons:
- Limited Amenities: Fewer shopping, dining, and entertainment options.
- Competitive Housing Market: Low inventory drives up prices and competition.
- Isolation: Far from major metros (3+ hours to Boston).
- Small Job Market: Fewer career opportunities outside education, healthcare, and local business.
The Bottom Line:
Choose Chicago if you’re chasing the dream—the career, the energy, and the anonymity of a world-class city. You’re willing to trade safety and space for opportunity.
Choose Keene if you’re protecting the dream—the peace, the safety, and the community. You’re willing to trade convenience and variety for a higher quality of daily life.
Your move.