Moving from Texas to Illinois
Moving to Illinois on the same salary cuts your real buying power by 8.6%; you'd need about $88,800 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): $1,475/month in Texas and $1,322/month in Illinois. 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 IL: $88,800
To keep the same lifestyle, you need about $88,800 in Illinois to match $80,000 in Texas ($8,800 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 $80,000 | Texas | Illinois |
|---|---|---|
| Federal income tax | $8,770 | $8,770 |
| Social Security + Medicare | $6,120 | $6,120 |
| State income tax | $0 | $3,815 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $65,110 | $61,295 |
Key facts: Texas to Illinois
- Median rent
- $1,475 → $1,322/mo
- Median home value
- $313,200 → $280,700
- Price level (U.S. = 100)
- 97.1 → 100.0
- Road distance
- ≈ 1,020 miles
- Natural hazard risk (FEMA)
- Very high county-score mean (91.0 → 90.4 of 100)
What changes when you move to Illinois
- Texas has no state income tax on wages; Illinois does. At $80,000 expect about $3,815 a year in Illinois income tax.
- BEA's housing rents price index is 3% lower in Illinois. Median rent goes from $1,475 to $1,322 a month and the median home value from $313,200 to $280,700.
- Homeowners pay more property tax: the median bill is $5,399 in Illinois vs $4,108 in Texas.
- The average home electric bill is $127 a month in Illinois vs $171 in Texas (EIA 2025), about $532 a year less.
- Prices for everyday goods are 6% higher (BEA). The statewide sales tax rate is 6.25% in Illinois vs 6.25% in Texas, before local sales taxes.
Who moves from Texas to Illinois
In the latest IRS migration data (2022–2023), 8,236 households (13,611 people) filed their taxes in Illinois after filing in Texas the year before. That makes Illinois the #11 destination for people leaving Texas. These households reported an average adjusted gross income of $92,152. Going the other way, 12,078 households moved from Illinois to Texas, a net loss of 3,842 households for Illinois.
Five-year trend
Moves from Texas to Illinois reached a five-year high in 2022–23, up 32% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Texas to Illinois
Moving cost: $750–$10,130
Moving about 1,020 miles from Texas to Illinois costs roughly $750 – $10,130, 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. | $750 – $3,070 |
| Moving container You pack and load; the company drives the container. | $1,570 – $3,850 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,550 – $10,130 |
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 102 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 Texas to Illinois
Car shipping: $890–$1,310
Shipping a sedan from Texas to Illinois on an open carrier costs about $890–$1,310, typically 3–7 days in transit over about 1,020 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.
Texas vs Illinois take-home pay at every salary
| Salary | Equal salary in IL | Take-home change | Take-home in TX | Take-home in IL |
|---|---|---|---|---|
| $50,000 | $54,800 | -$2,330 | $42,355 | $40,025 |
| $75,000 | $83,300 | -$3,568 | $61,593 | $58,025 |
| $100,000 | $111,000 | -$4,805 | $79,180 | $74,375 |
| $150,000 | $166,800 | -$7,280 | $113,791 | $106,511 |
| $250,000 | $279,800 | -$12,230 | $183,182 | $170,952 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Illinois, which narrows the gap shown.
Cost of living: Texas vs Illinois
| Measure | Texas | Illinois |
|---|---|---|
| Overall price level (U.S. = 100) | 97.1 | 100.0 |
| Housing rents price index | 96.5 | 93.9 |
| Utilities price index | 87.5 | 85.0 |
| Goods price index | 98.1 | 103.8 |
| Median rent (monthly) | $1,475 | $1,322 |
| Median home value | $313,200 | $280,700 |
| Median property tax (yearly) | $4,108 | $5,399 |
| Electricity (residential) | 15.94¢/kWh | 19.89¢/kWh |
| State sales tax rate | 6.25% | 6.25% |
| Median household income | $79,721 | $83,211 |
Renting and buying: Texas vs Illinois
| Measure | Texas | Illinois |
|---|---|---|
| Income to rent the median home (30% rule) | $59,000 | $52,880 |
| Monthly cost to own the median home (20% down) | $2,237 | $2,096 |
| Income needed to buy the median home | $95,892 | $89,823 |
| Homeowners insurance (yearly median, homes with a mortgage) | $2,251 | $1,387 |
| Infant child care (center, yearly) | $10,894 | $19,601 |
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: Texas vs Illinois
On an $80,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $43,727 a year in Texas and $45,776 in Illinois if you rent: $2,049 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 $54,928 and $56,581 ($1,653 more).
Your yearly budget, before vs after
| Yearly cost | TX | IL | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $14,890 | $18,705 | +$3,815 |
| Car insurance one car, state average | $1,429 | $1,153 | -$276 |
| Gas 12,000 miles at 25 mpg | $1,776 | $2,302 | +$526 |
| Health insurance one adult, age 40, own plan before subsidies | $7,932 | $7,752 | -$180 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $17,700 | $15,864 | -$1,836 |
| Total if you rent | $43,727 | $45,776 | +$2,049 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $20,491 | $18,364 | -$2,127 |
| Property tax median home | $4,108 | $5,399 | +$1,291 |
| Homeowners insurance state median, with a mortgage | $2,251 | $1,387 | -$864 |
| Electricity state average bill | $2,051 | $1,519 | -$532 |
| Total if you buy | $54,928 | $56,581 | +$1,653 |
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 $10,894 a year in Texas and $19,601 in Illinois (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Compare cities: Texas 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 Texas and Illinois.
- How Illinois taxes retirement income.
Frequently asked questions
How much salary do I need in Illinois to live like I do in Texas?
An $80,000 salary in Texas works out to about $88,800 in Illinois once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $111,000.
Will I pay less tax in Illinois than in Texas?
No, about $3,815 more a year in income and payroll taxes on an $80,000 salary (18.6% of pay in Texas vs 23.4% in Illinois). Property and sales taxes are shown separately.
How much does it cost to move from Texas to Illinois?
For a 2–3 bedroom home over about 1,020 miles, expect roughly $750–$3,070 with a rental truck, $1,570–$3,850 with a moving container, or $2,550–$10,130 with full-service movers.
Are more people moving from Texas to Illinois?
Moves from Texas to Illinois reached a five-year high in 2022–23, up 32% from 2018–19.
How many people move from Texas to Illinois?
IRS migration data for 2022–2023 show 8,236 households (13,611 people) moved from Texas to Illinois, making Illinois the #11 destination for people leaving Texas. 12,078 households moved the other way.
Is Illinois cheaper than Texas?
Overall prices in Illinois are 3.0% higher than Texas (BEA Regional Price Parities 2024). Median rent is $1,322 vs $1,475 a month.
Compare other moves
Where people from Texas actually move
- TX to California 24,970 households
- TX to Florida 20,050 households
- TX to Colorado 14,923 households
- TX to Oklahoma 11,582 households
- TX to Louisiana 10,522 households
- TX to New York 9,433 households
- TX to Washington 9,307 households
- TX to Georgia 9,120 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.