Moving from Illinois to Colorado
Moving to Colorado on the same salary slightly lowers your real buying power (-2.0%); you'd need about $87,100 to break even. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,322/month in Illinois and $1,822/month in Colorado. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in CO: $87,100
To keep the same lifestyle, you need about $87,100 in Colorado to match $85,000 in Illinois ($2,100 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $85,000 | Illinois | Colorado |
|---|---|---|
| Federal income tax | $9,870 | $9,870 |
| Social Security + Medicare | $6,503 | $6,503 |
| State income tax | $4,063 | $3,032 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $374 |
| Take-home pay | $64,565 | $65,222 |
Key facts: Illinois to Colorado
- Median rent
- $1,322 → $1,822/mo
- Median home value
- $280,700 → $574,600
- Price level (U.S. = 100)
- 100.0 → 103.1
- Road distance
- ≈ 1,040 miles
- Natural hazard risk (FEMA)
- Very high county-score mean (90.4 → 85.0 of 100)
What changes when you move to Colorado
- Your state taxes fall by about $657 a year on the same $85,000 salary.
- BEA's housing rents price index is 36% higher in Colorado. Median rent goes from $1,322 to $1,822 a month and the median home value from $280,700 to $574,600.
- Homeowners pay less property tax: the median bill is $2,828 in Colorado vs $5,399 in Illinois.
- The average home electric bill is $103 a month in Colorado vs $127 in Illinois (EIA 2025), about $279 a year less.
- Prices for everyday goods are 5% lower (BEA). The statewide sales tax rate is 2.9% in Colorado vs 6.25% in Illinois, before local sales taxes.
Who moves from Illinois to Colorado
In the latest IRS migration data (2022–2023), 4,686 households (6,569 people) filed their taxes in Colorado after filing in Illinois the year before. That makes Colorado the #12 destination for people leaving Illinois. These households reported an average adjusted gross income of $102,087. Going the other way, 3,198 households moved from Colorado to Illinois, a net gain of 1,488 households for Colorado.
Five-year trend
Moves from Illinois to Colorado peaked in 2021–22 at 5,473 households, then fell 14% by 2022–23. That is still down 6% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Illinois to Colorado
Moving cost: $760–$10,260
Moving about 1,040 miles from Illinois to Colorado costs roughly $760 – $10,260, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $760 – $3,130 |
| Moving container You pack and load; the company drives the container. | $1,580 – $3,890 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,570 – $10,260 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 104 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Illinois to Colorado
Car shipping: $890–$1,320
Shipping a sedan from Illinois to Colorado on an open carrier costs about $890–$1,320, typically 3–7 days in transit over about 1,040 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Illinois vs Colorado take-home pay at every salary
| Salary | Equal salary in CO | Take-home change | Take-home in IL | Take-home in CO |
|---|---|---|---|---|
| $50,000 | $50,800 | +$619 | $40,025 | $40,643 |
| $75,000 | $76,800 | +$646 | $58,025 | $58,671 |
| $100,000 | $102,500 | +$674 | $74,375 | $75,048 |
| $150,000 | $154,100 | +$729 | $106,511 | $107,239 |
| $250,000 | $256,800 | +$1,127 | $170,952 | $172,079 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Illinois vs Colorado
| Measure | Illinois | Colorado |
|---|---|---|
| Overall price level (U.S. = 100) | 100.0 | 103.1 |
| Housing rents price index | 93.9 | 127.4 |
| Utilities price index | 85.0 | 85.0 |
| Goods price index | 103.8 | 98.7 |
| Median rent (monthly) | $1,322 | $1,822 |
| Median home value | $280,700 | $574,600 |
| Median property tax (yearly) | $5,399 | $2,828 |
| Electricity (residential) | 19.89¢/kWh | 17.13¢/kWh |
| State sales tax rate | 6.25% | 2.9% |
| Median household income | $83,211 | $97,113 |
Renting and buying: Illinois vs Colorado
| Measure | Illinois | Colorado |
|---|---|---|
| Income to rent the median home (30% rule) | $52,880 | $72,880 |
| Monthly cost to own the median home (20% down) | $2,096 | $3,556 |
| Income needed to buy the median home | $89,823 | $152,405 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,387 | $2,253 |
| Infant child care (center, yearly) | $19,601 | $20,978 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Colorado for other down payments.
Your yearly budget: Illinois vs Colorado
On an $85,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $47,506 a year in Illinois and $51,868 in Colorado if you rent: $4,362 more after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $58,311 and $73,918 ($15,607 more).
Your yearly budget, before vs after
| Yearly cost | IL | CO | Change |
|---|---|---|---|
| Income and payroll taxes on $85,000, single filer | $20,435 | $19,778 | -$657 |
| Car insurance one car, state average | $1,153 | $1,453 | +$300 |
| Gas 12,000 miles at 25 mpg | $2,302 | $2,089 | -$213 |
| Health insurance one adult, age 40, own plan before subsidies | $7,752 | $6,684 | -$1,068 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $15,864 | $21,864 | +$6,000 |
| Total if you rent | $47,506 | $51,868 | +$4,362 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $18,364 | $37,593 | +$19,229 |
| Property tax median home | $5,399 | $2,828 | -$2,571 |
| Homeowners insurance state median, with a mortgage | $1,387 | $2,253 | +$866 |
| Electricity state average bill | $1,519 | $1,240 | -$279 |
| Total if you buy | $58,311 | $73,918 | +$15,607 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $19,601 a year in Illinois and $20,978 in Colorado (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Compare cities: Illinois to Colorado
Cost of living in Colorado cities: Denver, Colorado Springs, Fort Collins, Greeley.
After you arrive in Colorado
- Colorado new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Illinois and Colorado.
- How Colorado taxes retirement income.
Frequently asked questions
How much salary do I need in Colorado to live like I do in Illinois?
An $85,000 salary in Illinois works out to about $87,100 in Colorado once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $102,500.
Will I pay less tax in Colorado than in Illinois?
Yes, about $657 less a year in income and payroll taxes on an $85,000 salary (24.0% of pay in Illinois vs 23.3% in Colorado). Property and sales taxes are shown separately.
How much does it cost to move from Illinois to Colorado?
For a 2–3 bedroom home over about 1,040 miles, expect roughly $760–$3,130 with a rental truck, $1,580–$3,890 with a moving container, or $2,570–$10,260 with full-service movers.
Are more people moving from Illinois to Colorado?
Moves from Illinois to Colorado peaked in 2021–22 at 5,473 households, then fell 14% by 2022–23. That is still down 6% from 2018–19.
How many people move from Illinois to Colorado?
IRS migration data for 2022–2023 show 4,686 households (6,569 people) moved from Illinois to Colorado, making Colorado the #12 destination for people leaving Illinois. 3,198 households moved the other way.
Is Colorado cheaper than Illinois?
Overall prices in Colorado are 3.1% higher than Illinois (BEA Regional Price Parities 2024). Median rent is $1,822 vs $1,322 a month.
Compare other moves
Where people from Illinois actually move
- IL to Florida 14,834 households
- IL to Indiana 12,570 households
- IL to Texas 12,078 households
- IL to Wisconsin 11,331 households
- IL to California 10,407 households
- IL to Missouri 8,668 households
- IL to Arizona 5,528 households
- IL to New York 5,325 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.