Moving from Michigan to Illinois
Moving to Illinois on the same salary slightly lowers your real buying power (-4.8%); you'd need about $74,300 to break even. Change the salary below to see your own numbers.
Equal salary in IL: $74,300
To keep the same lifestyle, you need about $74,300 in Illinois to match $70,000 in Michigan ($4,300 more), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
These changes cover taxes, housing and electricity. Food, transport, healthcare, other spending and one-time moving costs are excluded. They are not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $70,000 | Michigan | Illinois |
|---|---|---|
| Federal income tax | $6,570 | $6,570 |
| Social Security + Medicare | $5,355 | $5,355 |
| State income tax | $2,724 | $3,320 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $55,351 | $54,755 |
Key facts: Michigan to Illinois
- Median rent
- $1,168 → $1,322/mo
- Median home value
- $254,200 → $280,700
- Price level (U.S. = 100)
- 96.2 → 100.0
- Road distance
- ≈ 280 miles
- Natural hazard risk (FEMA)
- Among the highest (82.1 → 90.4 of 100)
What changes when you move to Illinois
- Your state taxes rise by about $596 a year on the same $70,000 salary.
- BEA's housing price index is 14% higher in Illinois. Median rent goes from $1,168 to $1,322 a month and the median home value from $254,200 to $280,700.
- Homeowners pay more property tax: the median bill is $5,399 in Illinois vs $2,988 in Michigan.
- Prices for everyday goods are 8% higher (BEA). The statewide sales tax rate is 6.25% in Illinois vs 6% in Michigan, before local sales taxes.
Who moves from Michigan to Illinois
In the latest IRS migration data (2022–2023), 5,881 households (7,894 people) filed their taxes in Illinois after filing in Michigan the year before. That makes Illinois the #4 destination for people leaving Michigan. These households reported an average adjusted gross income of $74,920. Going the other way, 5,300 households moved from Illinois to Michigan, a net gain of 581 households for Illinois.
Five-year trend
Moves from Michigan to Illinois reached a five-year high in 2022–23, up 26% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Michigan to Illinois
Moving cost: $350–$5,370
Moving about 280 miles from Michigan to Illinois costs roughly $350 – $5,370, 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. | $350 – $840 |
| Moving container You pack and load; the company drives the container. | $1,140 – $2,200 |
| Full-service movers Packing, loading, transport and unloading. | $1,900 – $5,370 |
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 28 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 Michigan to Illinois
Car shipping: $610–$930
Shipping a sedan from Michigan to Illinois on an open carrier costs about $610–$930, typically 1–4 days in transit over about 280 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 Hawaii and Alaska rates. SUVs cost about 25% more and enclosed carriers about 35% more. Not a quote.
Michigan vs Illinois take-home pay at every salary
| Salary | Equal salary in IL | Take-home change | Take-home in MI | Take-home in IL |
|---|---|---|---|---|
| $50,000 | $52,700 | -$456 | $40,481 | $40,025 |
| $75,000 | $79,500 | -$631 | $58,656 | $58,025 |
| $100,000 | $105,800 | -$806 | $75,181 | $74,375 |
| $150,000 | $158,500 | -$1,156 | $107,667 | $106,511 |
| $250,000 | $264,500 | -$1,856 | $172,808 | $170,952 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Michigan vs Illinois
| Measure | Michigan | Illinois |
|---|---|---|
| Overall price level (U.S. = 100) | 96.2 | 100.0 |
| Housing price index | 82.3 | 93.9 |
| Utilities price index | 100.2 | 85.0 |
| Goods price index | 96.0 | 103.8 |
| Median rent (monthly) | $1,168 | $1,322 |
| Median home value | $254,200 | $280,700 |
| Median property tax (yearly) | $2,988 | $5,399 |
| Electricity (residential) | 22.99¢/kWh | 19.89¢/kWh |
| State sales tax rate | 6% | 6.25% |
| Median household income | $72,389 | $83,211 |
Renting and buying: Michigan vs Illinois
| Measure | Michigan | Illinois |
|---|---|---|
| Income to rent the median home (30% rule) | $46,720 | $52,880 |
| Monthly cost to own the median home (20% down) | $1,692 | $2,052 |
| Income needed to buy the median home | $72,520 | $87,942 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,164 | $1,387 |
| Infant child care (center, yearly) | $13,454 | $19,807 |
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 Illinois for other down payments.
Your yearly budget: Michigan vs Illinois
On a $70,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $40,141 a year in Michigan and $43,671 in Illinois if you rent: $3,530 more after the move. If you buy the median home, they come to $46,431 and $52,431 ($6,000 more).
Your yearly budget, before vs after
| Yearly cost | MI | IL | Change |
|---|---|---|---|
| Income and payroll taxes on $70,000, single filer | $14,649 | $15,245 | +$596 |
| Electricity state average bill | $1,432 | $1,320 | -$112 |
| Car insurance one car, state average | $1,444 | $1,153 | -$291 |
| Gas 12,000 miles at 25 mpg | $2,324 | $2,337 | +$13 |
| Health insurance one adult, age 40, own plan before subsidies | $6,276 | $7,752 | +$1,476 |
| If you rent | |||
| Rent median, 12 months | $14,016 | $15,864 | +$1,848 |
| Total if you rent | $40,141 | $43,671 | +$3,530 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $16,154 | $17,838 | +$1,684 |
| Property tax median home | $2,988 | $5,399 | +$2,411 |
| Homeowners insurance state median, with a mortgage | $1,164 | $1,387 | +$223 |
| Total if you buy | $46,431 | $52,431 | +$6,000 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures: EIA 2024 average residential power bill, 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 September 23, 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 $13,454 a year in Michigan and $19,807 in Illinois (Child Care Aware of America, 2024 state averages).
Compare cities: Michigan to Illinois
Cost of living in Illinois cities: Chicago.
After you arrive in Illinois
- Illinois new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Michigan and Illinois.
- How Illinois taxes retirement income.
Frequently asked questions
How much salary do I need in Illinois to live like I do in Michigan?
A $70,000 salary in Michigan works out to about $74,300 in Illinois once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $105,800.
Will I pay less tax in Illinois than in Michigan?
No, about $596 more a year in income and payroll taxes on a $70,000 salary (20.9% of pay in Michigan vs 21.8% in Illinois). Property and sales taxes are shown separately.
How much does it cost to move from Michigan to Illinois?
For a 2–3 bedroom home over about 280 miles, expect roughly $350–$840 with a rental truck, $1,140–$2,200 with a moving container, or $1,900–$5,370 with full-service movers.
Are more people moving from Michigan to Illinois?
Moves from Michigan to Illinois reached a five-year high in 2022–23, up 26% from 2018–19.
How many people move from Michigan to Illinois?
IRS migration data for 2022–2023 show 5,881 households (7,894 people) moved from Michigan to Illinois, making Illinois the #4 destination for people leaving Michigan. 5,300 households moved the other way.
Is Illinois cheaper than Michigan?
Overall prices in Illinois are 4.0% higher than Michigan (BEA Regional Price Parities 2024). Median rent is $1,322 vs $1,168 a month.
Compare other moves
Where people from Michigan actually move
- MI to Florida 10,659 households
- MI to Texas 6,285 households
- MI to Ohio 5,970 households
- MI to California 5,218 households
- MI to Indiana 4,718 households
- MI to North Carolina 3,080 households
- MI to New York 2,871 households
- MI to Georgia 2,816 households