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Interstate Relocation: New York → Illinois

Moving from New York to Illinois: Cost & Tax Comparison

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

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

Effective Tax Rate Change -0.1 pts IL vs NY, $100k single
Annual Tax Savings +$55 Federal + FICA + state, $100k
1BR Rent Change -24.8% Avg 1BR $1,053 vs $1,400/mo
Net Annual Difference +$4,222 Tax savings + 1BR rent savings

What changes when you move from New York to Illinois

New York has graduated income tax rates up to 10.9% and Illinois has a flat 4.95% income tax. On a $100,000 salary a single filer pays $4,860 in state income tax in New York and $4,805 in state income tax in Illinois. With federal income tax and FICA unchanged, total tax falls by $55 a year after the move. HUD's one-bedroom Fair Market Rent averages $1,400 a month across New York's metro areas and $1,053 across Illinois's (-24.8%). Pay differs too: the BLS median wage across all occupations, weighted by employment in each state's metros, is $59,552 in New York and $54,104 in Illinois. 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: New York

New York Paycheck & Living Costs

Paycheck Living Cost Salaries
Destination State: Illinois

Illinois Paycheck & Living Costs

Paycheck Living Cost Salaries
Reverse Corridor Analysis:
Moving from Illinois to New YorkNational Relocation Hub

Metropolitan Corridors Between New York & Illinois

New York-Newark-Jersey City, NY-NJ → Chicago-Naperville-Elgin, IL-IN On $100k: $3,496 less tax and $11,388 less 1BR rent a year
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New York-Newark-Jersey City, NY-NJ → Peoria, IL On $100k: $3,496 less tax and $21,216 less 1BR rent a year
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Buffalo-Cheektowaga, NY → Chicago-Naperville-Elgin, IL-IN On $100k: $55 less tax and $6,924 more 1BR rent a year
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Buffalo-Cheektowaga, NY → Peoria, IL On $100k: $55 less tax and $2,904 less 1BR rent a year
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Moving from New York to Illinois: Cost & Tax Comparison Overview

Moving from New York to Illinois on a $100,000 salary: pay $55 less in total taxes per year; average one-bedroom rent is $1,053 vs $1,400 a month (HUD FMR).

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

For a single filer earning $100,000 with no local income tax, total federal, FICA and state taxes are $55 lower in Illinois than in New York (0.1 percentage points of gross pay). The average HUD one-bedroom Fair Market Rent across Illinois's metros is $1,053 a month, versus $1,400 in New York (-24.8%). Taxes and one-bedroom rent combined change by +$4,222 a year.

What are the key tax differences between New York and Illinois?

New York: Graduated Brackets, top rate 10.9%. Illinois: Flat Tax, top rate 4.95%. Federal income tax and FICA are the same in both states.