Salario de Cirujano en Illinois (2026)
El salario promedio de un Cirujano en Illinois es de $500,000/año. Después de impuestos, tu sueldo neto estimado es de $316,524/año ($26,377/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $316,524 |
Sueldo Neto Mensual | $26,377 |
Sueldo Neto Quincenal | $12,174 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $152/hr |
Impuesto Federal | $138,134 |
Impuesto Estatal | $23,953 |
Impuestos FICA | $21,389 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 36.7% |
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Rangos de Salario de Cirujano en Illinois
No todas las Cirujanos ganan lo mismo — ni de cerca
IL surgeon comp clusters around three regional ecosystems plus the Cook County / suburban Chicago property-tax arbitrage. Chicago academic triangle: Northwestern Medicine (Streeterville campus + 11+ hospitals statewide + Lurie Children's) + Rush University Medical Center (West Loop) + University of Chicago Medicine (Hyde Park + Comer Children's). Loyola University Medical Center (cardiothoracic + transplant). Advocate Aurora Health (largest IL non-profit, IL+WI). Endeavor Health (formerly NorthShore + Edward-Elmhurst, ~$10B revenue). Cosmetic plastic surgery cluster on Michigan Avenue / Gold Coast / North Shore.
Northwestern / Rush / UChicago Cardiothoracic Surgery
$565,000–$835,000 + RVU + call
Chicago academic triangle · transplant + complex CT + valve · 403(b) + 457(b) + research
Lurie Children's Pediatric Surgical Subspecialty (Northwestern)
$485,000–$725,000 + RVU + research
Top-10 US pediatric hospital · Northwestern Feinberg academic · PSLF-qualifying
Loyola Cardiothoracic / Transplant
$565,000–$795,000 + RVU + call
One of busiest US transplant programs · cardiothoracic + lung + heart
Northwestern / UChicago Surgical Oncology
$485,000–$745,000 + RVU + research
NCI-designated comprehensive cancer centers · complex onc resection
Michigan Ave / Gold Coast Cosmetic Plastic Surgeon
$650,000–$1.6M+ owner draw
Cash-pay aesthetic · S-corp + Solo 401(k) + cash-balance · Chicago Magnificent Mile cluster
Endeavor / Advocate Orthopedic + ASC Partnership
$525,000–$795,000 + ASC distribution
Suburban Chicago private + community · Naperville / Wheaton / Lake Forest · partnership + ASC
UChicago / Rush Neurosurgery
$595,000–$895,000 + RVU + call
Chicago academic neurosurgery · top US program depth · 403(b) + 457(b)
Anesthesiology + Pain Management (IL private group)
$415,000–$595,000 + group share
CRNA-supervision · ASC partnership at outpatient surgical centers
Cook County Trauma / Acute Care General Surgery
$415,000–$565,000 + call
Stroger Trauma I + Northwestern Trauma I · genuinely hard schedule · Level I premium
Vale la pena saber: IL-specific layers: IL flat 4.95% + FULL retirement-income exemption ( / IRA / pension / Roth at any age, no caps — rare structure, joins PA + MS). IL has no local income tax overlay (cleaner than OH / PA next door). Cook County 2.1% property tax is the headline pain (NJ-equivalent); Will (~1.7%), DuPage (~1.9%), Kane (~1.85%) suburban arbitrage. IL PTET election since 2021 — federal -cap workaround. No MICRA cap on non-economic damages — top-3 US malpractice cost along with NY / PA.
Surgical comp levers, Cook County property tax, and IL's full retirement exemption
4.95%
IL flat state rate + 0% local — structurally cleaner than OH / PA next door
$0
IL tax on retirement income at any age — full exemption with no caps (rare US structure, joins PA + MS)
~2.1%
Cook County effective property tax — NJ-equivalent friction; Will / DuPage / Kane suburbs at 1.7-1.9%
IL surgeon RVU compensation parallels CA / NY / PA — $55-$75 per work-RVU above threshold. High-volume orthopedic + cardiothoracic surgeons at Northwestern / Rush / UChicago / Loyola clear 12,000-15,000 work-RVU/year ($700K-$1M combined comp before ASC distribution). Call coverage at NMH / Rush / UChicago / Stroger Level I trauma adds $1,500-$5,000/24-hour shift. Combined federal + IL + Medicare marginal at $700K is ~43-45% — meaningfully lower than CA's 50-54% or NY+NYC's 50-53%. Every $100K of base / RVU / call yields $55K-$57K take-home in IL.
eligibility at Northwestern Medicine, Rush University Medical Center, University of Chicago Medicine, Loyola, Lurie Children's, Advocate Aurora, Endeavor Health, Cook County Health (all 501(c)(3) non-profit + government hospital systems) = $0 tax-free $300K-$500K student loan forgiveness over 10 years post-PGY1. Pair with + dual-shelter at Northwestern / Rush / UChicago academic faculty appointment, and the academic comp gap (typically 15-25% below private practice) closes substantially. Lurie Children's pediatric subspecialty career arc is structurally distinctive — top-10 US program at IL flat 4.95% + full retirement exemption.
IL FULL retirement-income exemption is the late-career structural advantage. IL exempts / IRA / pension / Roth / cash-balance distribution + Social Security entirely at any age (no cap, no $20K cap like NY's, no $100K cap like NJ's). For a surgeon retiring with $5M-$15M of pre-tax + cash-balance + ASC equity, IL state tax on the entire distribution stream = $0. Combined with flat 4.95% during working years, IL's career-plus-retirement state-tax burden is genuinely competitive with PA — joins PA + MS as the only US states with full retirement exemption AND moderate working-years rate. Many late-career IL surgeons stay in-state because the relocation pressure is materially lower than CA / NY / NJ peers.
Cook County 2.1% effective property tax is the IL headline pain (NJ-equivalent). On a $1.5M Lake Forest / Winnetka home, Cook = $31K/year — exceeds IL income tax owed at $700K TC. Will County (~1.7%), DuPage (~1.9%), Kane (~1.85%), Lake (~1.85%) suburban arbitrage saves 0.2-0.3 points on identical home values. ASC partnership at Northwestern / Rush / Endeavor / Advocate generates $80K-$400K/year facility-fee distribution. PE consolidator pressure has reached IL — partner equity sales 2022-2026 realize $500K-$3M+ at federal 23.8% + 4.95% IL (full retirement exemption applies if structured at 59½+).
IL malpractice premium for high-risk subspecialties runs $80K-$200K/year — top-3 US along with NY and PA. IL has NO MICRA-style cap; Cook County jury awards drive premium pressure. Tail coverage $80K-$400K. The malpractice differential vs TX HB 4 capped equivalent is $40K-$140K/year. IL PTET election since 2021 — federal -cap workaround for surgeon / partnership saves $4K-$10K/year on $400K-$800K net SE income.
Illinois surgeon economics — Chicago academic triangle + suburban property-tax arbitrage
Chicago surgeon market: Northwestern Medicine (Streeterville campus + 11+ hospitals statewide + Lurie Children's) + Rush University Medical Center (West Loop) + University of Chicago Medicine (Hyde Park + Comer Children's) form the Chicago academic triangle. Loyola University Medical Center (Maywood) operates one of the country's busiest cardiothoracic + transplant programs. Streeterville / Gold Coast / Lincoln Park / Lakeview hosts Chicago academic faculty at high-rise condo $700K-$3M; Lakeview / Lincoln Park brownstone $1.2M-$3M for younger family-tier faculty.
North Shore (Wilmette / Winnetka / Glencoe / Lake Forest / Highland Park) hosts Chicago academic Department Chair + Endeavor Health Northshore + cosmetic plastic surgeon ownership tier — single-family $1.5M-$5M+ at top-10 US public schools. Lake County 1.85% property tax on $2M home = $37K/year (genuine bite). Cook County 2.1% on equivalent home = $42K/year. North Shore residents typically commute 30-45 min via Metra to Streeterville / West Loop. Many academic faculty at Department Chair tier prefer North Shore for schools despite the property-tax friction.
DuPage / Will County suburban arbitrage: Naperville / Hinsdale / Wheaton / Western Springs (DuPage 1.9%); Joliet / Plainfield / New Lenox (Will 1.7%). Top public schools comparable to North Shore at materially lower housing cost — $750K-$2M for substantial single-family vs $1.5M-$3M Lake Forest equivalent. Endeavor Health (Edward-Elmhurst) + Northwestern western suburb network + Advocate Naperville hosts substantial private + community surgical practice. Many Endeavor / Advocate-employed suburban surgeons live within county to capture school district + property-tax math.
IL late-career retirement: IL full retirement-income exemption is the structural advantage. Senior IL surgeons retiring with $5M-$15M pre-tax + cash-balance + ASC equity face $0 IL state tax on entire distribution stream. Combined with flat 4.95% during working years, IL career-plus-retirement state-tax burden genuinely competitive with FL / TX. Many late-career IL surgeons stay in-state through retirement (Lake Geneva WI / Door County WI / Galena IL rural retirement common); some still relocate to FL / SC / TN for winter lifestyle. The marginal relocation savings are smaller than for NY / NJ peers given IL's already-favorable retirement structure.
How IL flat 4.95% + full retirement exemption + Cook County property tax reshape surgeon comp
IL flat 4.95% on wages + RVU + ASC + distribution — meaningfully cheaper than NJ progressive top 12.25% or NY+NYC 14.776%. For a Cook County surgeon at $700K TC, IL state tax ~$35K/year vs NJ-resident ~$72K or NYC-resident ~$103K. The structural retirement advantage: IL exempts / IRA / pension / Roth / cash-balance distribution + Social Security entirely at any age (no cap, no $20K cap like NY's, no $100K cap like NJ's). Combined federal + IL + Medicare marginal at $700K ~43-45% — 6-10 points lower than CA / NY+NYC equivalent.
Cook County property tax (~2.1%) is the IL headline pain (NJ-equivalent). $1.5M Lake Forest / Winnetka home = $31K/year (exceeds IL income tax owed at $700K TC). Will (~1.7%), DuPage (~1.9%), Kane (~1.85%), Lake (~1.85%) suburban alternatives. Cook County triennial reassessment + appeals are routine; many surgeon homeowners file annually.
IL has no local income tax overlay — Chicago doesn't have one (unlike Philadelphia 3.92% or Pittsburgh 3% NPT next door). Structurally cleaner than PA / OH. IL PTET election since 2021 — federal -cap workaround for surgeon / partnership saves $4K-$10K/year on $400K-$800K net SE income. IL conforms to Section 1202 — federal $10M exclusion preserved at IL state level (no addback).
IL malpractice premium for high-risk subspecialties runs $80K-$200K/year — top-3 US along with NY and PA. IL has NO MICRA-style cap; Cook County jury awards drive premium pressure structurally. Tail coverage $80K-$400K. The malpractice differential vs TX HB 4 capped equivalent is $40K-$140K/year. Cash-balance + Solo stack: $270K-$370K/year pre-tax shelter at age 50+, with IL full retirement exemption at distribution at any age.
- →Suburban DuPage / Will / Kane County saves $1K-$2K/year on $500K-$1M homes vs Cook County 2.1% — compounds over 25-year career
- →Cash-balance + Solo stack = $270K-$370K/year pre-tax shelter at age 50+, with IL full retirement exemption at distribution (any age, no caps)
- → at Northwestern / Rush / UChicago / Loyola / Lurie / Advocate / Endeavor / Cook County Health = $0 tax-free $300K-$500K student loan forgiveness
- →Northwestern / Rush / Endeavor / Advocate ASC partnership — facility-fee distribution flows non-, may preserve partial Section 199A
- →IL PTET election for / partnership = federal -cap workaround saving $4K-$10K/year on $400K-$800K net SE income
- →Cook County Property Tax Appeal Board annual appeals — file every reassessment cycle on $1M+ homes; 10-20% reductions ($3K-$6K/year) routine
Three Illinois surgeon markets — what each one looks like
IL surgeon comp varies by employer cluster + Chicago academic vs suburban private + Cook vs collar-county property tax. Northwestern / Rush / UChicago academic triangle dominates Chicago; Endeavor / Advocate community + suburban; downstate IL (Springfield / Peoria) smaller markets.
Chicago academic triangle (Northwestern / Rush / UChicago / Loyola / Lurie Children's)
Academic faculty $485K-$835K · cardiothoracic / neurosurgery $565K-$895K · cosmetic owner $650K-$1.6M+Northwestern Medicine Streeterville + 11+ hospitals + Lurie Children's (top-10 US peds), Rush West Loop, University of Chicago Hyde Park + Comer Children's, Loyola Maywood (cardiothoracic + transplant). Streeterville / Gold Coast urban high-rise condo $700K-$3M for younger faculty; Lincoln Park / Lakeview brownstone $1.2M-$3M for family tier.
Chicago academic triangle has structural critical mass — three top-tier academic medical centers within 12 miles. Lurie Children's pediatric subspecialty + Loyola transplant + Northwestern cardiothoracic + UChicago surgical oncology together support nearly any surgical career arc. Cook County 2.1% property tax on Streeterville condo is meaningful but less than suburban North Shore equivalent.
North Shore (Wilmette / Winnetka / Lake Forest / Highland Park)
Department Chair tier $725K-$1.3M · Endeavor Health $485K-$725K · cosmetic owner $700K-$1.6M+Endeavor Health (formerly NorthShore) flagship + Northwestern Lake Forest + Highland Park Hospital. Top-10 US public schools (New Trier / Stevenson / Highland Park HS). Single-family $1.5M-$5M+ for established Department Chair tier; younger faculty $1M-$2M. Lake County 1.85% property tax meaningful at $2M+ home tier.
North Shore is the Chicago academic Department Chair school-district premium tier. Most senior surgeons relocate from Streeterville/Lincoln Park to North Shore at promotion to Director / Department Chair (year 12-18) for school district despite property-tax friction. Endeavor employer base provides natural North Shore residence-employer alignment.
DuPage / Will / Kane County suburban (Naperville / Hinsdale / Wheaton / Joliet)
Endeavor / Advocate / private $485K-$745K · ASC partnership distribution $80K-$300KEndeavor Health (Edward-Elmhurst) + Northwestern western suburbs + Advocate Naperville + AMITA host substantial suburban private + community surgical practice. Naperville / Hinsdale / Wheaton (DuPage 1.9%); Joliet / Plainfield (Will 1.7%). Top public schools comparable to North Shore at $750K-$2M for substantial single-family — meaningful property-tax + housing-cost arbitrage vs North Shore Cook / Lake equivalent.
Suburban DuPage / Will / Kane is the structural property-tax + housing arbitrage market for IL surgeons not requiring academic-center proximity. Many Endeavor / Advocate / community surgeons live within county to capture school district + property-tax math + 25-35 min commute to suburban hospital network.
The Illinois surgeon career arc — residency to retirement
Years 1-9 (med school + residency + fellowship). 4 years med school + 5-9 years residency + 1-3 years fellowship. PGY1 ACGME stipend at IL programs runs $70K-$90K. Northwestern / Rush / UChicago / Loyola / Lurie / Cook County / Advocate residencies all -qualifying. Most IL surgical residents finish with $300K-$500K federal student loan debt; PSLF at non-profit academic hospital = $0 tax-free forgiveness over 10 years.
Years 1-3 attending ($385K-$495K). Hospital-employed at Northwestern / Rush / UChicago / Loyola / Endeavor / Advocate, or $360K-$465K + revenue-sharing at private group with stub-partnership. Cash-balance plan eligibility year 2-3. New attendings rent Streeterville / Lincoln Park / Lakeview year 1-2, then buy $750K-$1.5M starter home (Lakeview condo or Naperville / Wheaton suburban).
Years 4-10 attending ($525K-$785K TC). Subspecialty premium: ortho $625K, cardiothoracic $720K, neurosurgery $785K. Partnership buy-in ($200K-$1.5M) year 3-5; ASC partnership equity ($150K-$500K) year 5-7. Cash-balance + Solo at age 45-55 = $270K-$370K/year shelter. By year 10 mid-career, IL surgeon net worth typically $2.5M-$8M.
Years 10+ (senior partner / department chair / late career). $725K-$1.3M+ TC. Northwestern / Rush / UChicago / Loyola Department Chair $850K-$1.3M; Michigan Avenue / Gold Coast cosmetic plastic owner clears $1M-$1.6M; senior Endeavor / Advocate orthopedic + ASC partner $700K-$1.1M. PE consolidator exits realize $500K-$3M+ capital gain. IL full retirement-income exemption is the structural advantage at retirement — $0 IL state tax on entire distribution stream at any age. Combined with flat 4.95% during working years, IL career-plus-retirement state-tax burden competitive with FL / TX. Most late-career IL surgeons stay in-state; Lake Geneva WI / Door County WI / Galena IL rural retirement common.
Where Illinois surgeons actually live
IL surgeon housing weights schools + commute + practice location + Cook vs collar-county property-tax math. Most under-45 surgeons buy Streeterville / Lincoln Park / Lakeview urban condo or Naperville / Wheaton suburban; senior partners + Department Chair tier upgrade to North Shore (Wilmette / Winnetka / Lake Forest) for top-10 US public schools.
Streeterville / Gold Coast / Lincoln Park (Chicago urban)
NMH walkable · Magnificent Mile cosmetic cluster · Cook 2.1% property tax · $700K-$3M condo
Wilmette / Winnetka / Glencoe (North Shore — Cook)
New Trier district top US public · Cook 2.1% · $1.5M-$5M+
Lake Forest / Highland Park (North Shore — Lake)
Lake County 1.85% · Stevenson / Highland Park HS · Endeavor flagship · $1.5M-$4M
Naperville / Hinsdale / Wheaton (DuPage)
DuPage 1.9% · top public schools · Endeavor + Advocate suburban network · $850K-$2M
Joliet / Plainfield / New Lenox (Will County)
Will 1.7% · cheapest Chicago-area surgeon market · $700K-$1.5M
Lakeview / Lincoln Park (Chicago family urban)
Younger family tier brownstone · NMH + Lurie + Rush 15-25 min · $1.2M-$3M
IL full retirement-income exemption removes the typical CA / NY / NJ relocation pressure. Most senior IL surgeons stay in-state through retirement — Lake Geneva WI / Door County WI / Galena IL rural retirement common; some still relocate to FL / SC / TN for winter lifestyle but marginal savings are smaller given IL's already-favorable retirement structure.
¿Es la decisión correcta?
Illinois for surgeons — the Midwest retirement-friendly play
A tu favor
- +Northwestern + Rush + UChicago Chicago academic triangle within 12 miles — three top-tier academic medical centers
- +Lurie Children's = top-10 US pediatric hospital (Northwestern academic affiliation)
- +Loyola = one of busiest US cardiothoracic + transplant programs
- +IL flat 4.95% + FULL retirement-income exemption (any age, no caps) — best Midwest retirement structure (joins PA / MS)
- +No local income tax overlay — structurally cleaner than OH (RITA / CCA) or PA (EIT) next door
- +IL PTET SALT-cap workaround saves $4K-$10K/year for S-corp / partnership surgeon at $400K-$800K net
Vale la pena saber antes de firmar
- −Cook County 2.1% effective property tax = NJ-equivalent friction at $1.5M+ home tier
- −No MICRA cap on non-economic damages — top-3 US malpractice cost (along with NY / PA) at $80K-$200K for high-risk subspecialty
- −Tail coverage on group / partnership separation $80K-$400K vs TX $25K-$120K with HB 4 cap
- −Healthcare IS SSTB — Section 199A QBI eliminated above $553K MFJ
- −Chicago winter Nov-March + summer humidity vs CA / TX / FL year-round livability
- −IL state pension funding crisis creates long-term tax-policy uncertainty (2030+ horizon)
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