Choosing where to live
Chicago is a city of neighborhoods, and the lake and the L shape most choices.
- Loop, River North, South Loop and Streeterville: high-rises, walkability and short commutes.
- Lincoln Park, Lakeview and Wicker Park: lively, popular with younger renters and families, and home to many walk-ups and two-flats.
- Hyde Park and Bronzeville: on the South Side, with the University of Chicago, lakefront parks and older buildings.
- Suburbs: the North Shore and DuPage County are common family choices, with Metra train lines into downtown.
Check commute time before you sign. A short distance on the map can be a long trip without a nearby L stop or Metra line.
Taxes and everyday costs
Illinois has a flat 4.95% income tax. Property taxes are a big part of owning a home in Cook County and the collar counties, so check a home's actual bill rather than assuming a rate. City sales tax is also high by national standards. If you are retired, Illinois generally doesn't tax retirement income, but ask a tax professional about your situation.
Rules a newcomer needs quickly
- Driver's license and plates. Illinois law gives new residents a limited time to switch, and vehicles should be registered soon after you become a resident. Confirm current deadlines with the Illinois Secretary of State.
- City sticker. Chicago requires a city vehicle sticker for vehicles based in the city. Check with the City Clerk.
- Residential parking zones. Many blocks require a neighborhood permit, especially at night.
- Winter parking. Overnight bans on main routes generally run December 1 through April 1, and separate snow rules apply once snow accumulates. Towing is expensive, so read the signs.
- Street sweeping. Posted temporary signs apply in season, and tickets come quickly.
Getting your things into a Chicago home
Most moves here need some planning ahead: an elevator booking, a certificate of insurance, curb space or an alley plan. See Chicago moving logistics for how it works.
Many leases turn over on May 1 or October 1, which makes those dates tight for elevators and trucks.
Winter is the real adjustment
If you're coming from Texas, Florida or California, buy a real coat, boots and gloves when you arrive, and learn how your building's heat works. Dry indoor air affects wood furniture and instruments, so a humidifier is worth having.