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Interstate Relocation: Texas → Illinois

Moving from Texas to Illinois: Cost & Tax Comparison

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

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

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

What changes when you move from Texas to Illinois

Texas has no state income tax on wages and Illinois has a flat 4.95% income tax. On a $100,000 salary a single filer pays $0 in state income tax in Texas and $4,805 in state income tax in Illinois. With federal income tax and FICA unchanged, total tax rises by $4,805 a year after the move. HUD's one-bedroom Fair Market Rent averages $1,035 a month across Texas's metro areas and $1,053 across Illinois's (+1.8%). Pay differs too: the BLS median wage across all occupations, weighted by employment in each state's metros, is $49,204 in Texas 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: Texas

Texas 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 TexasNational Relocation Hub

Metropolitan Corridors Between Texas & Illinois

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

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

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

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

What are the key tax differences between Texas and Illinois?

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