Working in Chicago

The city, the suburbs, or Indiana?

Transferring to a job in the Loop? Like New York commuters weighing Manhattan and New Jersey, Chicago commuters can live in the city, the Illinois suburbs, or across the state line in Northwest Indiana. Here are the facts side by side.

A real answer, fastA licensed broker answers your call or message the same day.
See it before you signA live video walk-through of any home we place you in, on your schedule.
Someone on the groundWe connect you with independent Illinois-licensed brokers and stay your point of contact.
Side by side

Three ways to live and work in Chicago

ChicagoIllinois suburbsNorthwest Indiana
Trains to the LoopCTA trains and busesMetra commuter rail to Union Station, Ogilvie and LaSalle St.South Shore Line to Millennium Station
Time zoneCentralCentralCentral (Lake and Porter counties)
State income tax4.95% flat4.95% flat2.95% in 2026, plus county tax
Property taxCook County systemCounty systems (Cook, DuPage and others)Capped: 1% of value for an owner-occupied home
Vehicle rulesCity sticker within 30 daysVaries by townIndiana BMV title within 60 days
Who helps youVetted Illinois-licensed broker (our referral)Vetted Illinois-licensed broker (our referral)Douglas Willems, licensed Indiana broker, directly

General information, not tax advice. Living in Indiana and working in Illinois means filing in both states; ask a tax professional.

Chicago-area town guides (Chicago, Evanston, Oak Park, Naperville) → The Indiana side: Chicago to Northwest Indiana guide →
No cost to you

Live in Chicago before you buy in Chicago.

  • One move, not twoAsk for homes with an option to buy: live there first, buy at a price set up front, and skip the second move. A licensed Illinois brokerage arranges it in Illinois; I handle the Indiana side.
  • First look before listingWe ask around about homes coming open 60–90 days out, before they hit public rental sites.
  • Verified, no scamsA licensed Illinois brokerage confirms the owner and shows you the home, in person or by live video.
  • Commute checkRush-hour travel time from each home to your office, by car or train.
  • School district lookupThe official district and its address lookup for each home. Facts, never rankings.
  • Dates that fit your startYour broker asks owners for lease dates that line up with your move.
  • Chicago, suburbs or Indiana?Not sure which side? We lay out the city, the suburbs and Northwest Indiana side by side.

No cost to you: the Illinois brokerage may pay Flatland a referral fee, disclosed in writing first. HR and relocation teams: how we work with you.

Your broker: Douglas Willems. Licensed since 1997, a landlord since 1998, placing tenants since 2008. Not a tour guide.

Get your free Chicago Neighborhood Preview

Commute, school district links and utility setup for every town, plus what to check before you buy. No cost to you.

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Licensed Indiana broker since 1997 · I answer myself, the same day · No spam, ever.

Sources

Where these facts come from

Last checked October 2026. Drive times are estimates. General information, not legal or tax advice.

Watch · City, suburbs or Indiana?

Same job. Same time zone. Different taxes.

A two-minute overview of the choice, then the side-by-side facts above.

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