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Interstate Relocation: Illinois → Texas

Moving from Illinois to Texas: Cost & Tax Comparison

Compare state income tax savings, HUD rent differentials, and household purchasing power adjustments when relocating from Illinois to Texas.

Data updated · Sources: HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Effective Tax Rate Change -4.8 pts TX vs IL, $100k single
Annual Tax Savings +$4,805 Federal + FICA + state, $100k
1BR Rent Change -1.8% Avg 1BR $1,035 vs $1,053/mo
Net Annual Difference +$5,027 Tax savings + 1BR rent savings

What changes when you move from Illinois to Texas

Illinois has a flat 4.95% income tax and Texas has no state income tax on wages. On a $100,000 salary a single filer pays $4,805 in state income tax in Illinois and $0 in state income tax in Texas. With federal income tax and FICA unchanged, total tax falls by $4,805 a year after the move. HUD's one-bedroom Fair Market Rent averages $1,053 a month across Illinois's metro areas and $1,035 across Texas's (-1.8%). Pay differs too: the BLS median wage across all occupations, weighted by employment in each state's metros, is $54,104 in Illinois and $49,204 in Texas. City and county income taxes, which some localities add, are not included in these state-level figures; the metro routes below include them.

Origin State: Illinois

Illinois Paycheck & Living Costs

Paycheck Living Cost Salaries
Destination State: Texas

Texas Paycheck & Living Costs

Paycheck Living Cost Salaries
Reverse Corridor Analysis:
Moving from Texas to IllinoisNational Relocation Hub

Metropolitan Corridors Between Illinois & Texas

Chicago-Naperville-Elgin, IL-IN → Dallas-Fort Worth-Arlington, TX On $100k: $4,805 less tax and $2,928 less 1BR rent a year
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Chicago-Naperville-Elgin, IL-IN → Houston-Pasadena-The Woodlands, TX On $100k: $4,805 less tax and $6,228 less 1BR rent a year
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Peoria, IL → Houston-Pasadena-The Woodlands, TX On $100k: $4,805 less tax and $3,600 more 1BR rent a year
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Peoria, IL → Dallas-Fort Worth-Arlington, TX On $100k: $4,805 less tax and $6,900 more 1BR rent a year
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Moving from Illinois to Texas: Cost & Tax Comparison Overview

Moving from Illinois to Texas on a $100,000 salary: pay $4,805 less in total taxes per year; average one-bedroom rent is $1,035 vs $1,053 a month (HUD FMR).

Quick answers
How much money will I save moving from Illinois to Texas?

For a single filer earning $100,000 with no local income tax, total federal, FICA and state taxes are $4,805 lower in Texas than in Illinois (4.8 percentage points of gross pay). The average HUD one-bedroom Fair Market Rent across Texas's metros is $1,035 a month, versus $1,053 in Illinois (-1.8%). Taxes and one-bedroom rent combined change by +$5,027 a year.

What are the key tax differences between Illinois and Texas?

Illinois: Flat Tax, top rate 4.95%. Texas: No State Income Tax, top rate 0%. Federal income tax and FICA are the same in both states.