Can a Surgeon afford to live in Chicago?

Excellent86% of take-home left to save — you can save aggressively here.
Median salary (gross)
Surgeon · Chicago
$464,470
Income tax (~41% effective)
United States
– $192,204
Take-home pay
$22,689/mo
$272,266
Living costs (1 person)
$3,220/mo · derived
– $38,640
Savings potential
$19,469/mo · 86% of take-home
$233,626

Single professional, after-tax. Salary − tax − living costs = what you could save each year.

Full salary breakdown →Is this a good salary in Chicago? →Compare Chicago with another city →

How we calculated this

• Salary: BLS OES median for Surgeon, adjusted for Chicago.

• Tax: United States single-filer effective rate (~41%). Official calculator.

• Living costs: derived from cost-of-living index for a single professional.

Planning estimates, not financial or tax advice. Updated 2026. Your situation will differ.