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.
| Chicago | Illinois suburbs | Northwest Indiana | |
|---|---|---|---|
| Trains to the Loop | CTA trains and buses | Metra commuter rail to Union Station, Ogilvie and LaSalle St. | South Shore Line to Millennium Station |
| Time zone | Central | Central | Central (Lake and Porter counties) |
| State income tax | 4.95% flat | 4.95% flat | 2.95% in 2026, plus county tax |
| Property tax | Cook County system | County systems (Cook, DuPage and others) | Capped: 1% of value for an owner-occupied home |
| Vehicle rules | City sticker within 30 days | Varies by town | Indiana BMV title within 60 days |
| Who helps you | Vetted 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: 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.
Last checked October 2026. Drive times are estimates. General information, not legal or tax advice.
A two-minute overview of the choice, then the side-by-side facts above.