Arcola, IL vs Chaffee, MO: Cost of Living

Which city costs less?

Chaffee, MO has a modeled overall cost index 0.9% higher than Arcola, IL.

Arcola, IL · modeled 2BR rent
$930 / month
Chaffee, MO · modeled 2BR rent
$980 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Arcola, IL and Chaffee, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $36.95/month in Chaffee, MO

$150,000 in your current city has a modeled equivalent of $150,443 in Chaffee, MO

Regional cost estimates: Arcola, IL uses Indianapolis, IN. Chaffee, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.9%
More expensive
Monthly Impact
$36.95
Extra cost
Annual Impact
$443
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Arcola, IL

Population:3K
Cost Index:
76.4
100 = national average
Typical Home:$147K

Chaffee, MO

Population:3K
Cost Index:
77.1
100 = national average
Typical Home:$150K

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Arcola, IL

The Prairie State

3K
Population
State Tax
Yes

Located in Illinois, this city has a population of 3K residents.

Chaffee, MO

The Show-Me State

3K
Population
State Tax
Yes

Located in Missouri, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Arcola, IL vs Chaffee, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Healthcare
↓ 9.2%
Arcola, IL
$699
Chaffee, MO
$635
Difference
$63.98
less
Housing
↓ 3.1%
Arcola, IL
$1,972
Chaffee, MO
$1,911
Difference
$61.40
less
Transportation
↑ 3.2%
Arcola, IL
$1,336
Chaffee, MO
$1,379
Difference
$43.33
more
All Utilities
↑ 7.0%
Arcola, IL
$603
Chaffee, MO
$645
Difference
$42.29
more
Groceries
↑ 3.7%
Arcola, IL
$1,103
Chaffee, MO
$1,144
Difference
$41.20
more
Other
↑ 2.0%
Arcola, IL
$1,788
Chaffee, MO
$1,823
Difference
$35.50
more

🏠Rent Comparison

Studio
From$700
To$730
↑ $30.00
1 Bed
From$840
To$750
↓ $90.00
2 Bed
From$930
To$980
↑ $50.00
3 Bed
From$1,260
To$1,250
↓ $10.00
Arcola, ILZIP-level data

1BR range: $840–$840/mo

Chaffee, MOZIP-level data

1BR range: $750–$750/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Arcola, IL
$7,537
Monthly in Chaffee, MO
$36.95
Difference

Home Values

Arcola
Chaffee
$147K
Median Value
$150K
↑ +8.4%
YoY Change
↑ +2.2%
↑ +44.2%
5-Year Change
↑ +24.3%

Homes in Chaffee are 2% more expensive than Arcola

Calculate payment - ArcolaCalculate payment - Chaffee

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $504
More taxes
Monthly Difference
$42.00
Less take-home
Effective Rate Diff
0.3%
Rate difference

Arcola, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

Chaffee, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Arcola, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Chaffee, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Arcola
Chaffee
54 Moderate
Air Quality
54 Moderate
36.6%
Good Air Days
38%
97 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
▲+3.1°F
2050 Outlook
▲+3.0°F
18 days
Heat Days >95°F
39 days
▲+3.1°F
2050 Outlook
▲+3.0°F
18 days
Heat Days >95°F
39 days

Before moving from Arcola, IL to Chaffee, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Chaffee, MO for the same bedroom count and included utilities as your home in Arcola, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Arcola to Chaffee moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Chaffee, MO by cost, housing, population and region.

Frequently Asked Questions: Arcola, IL vs Chaffee, MO

How do the cost estimates for Arcola, IL and Chaffee, MO compare?

Chaffee, MO has a modeled overall cost index 0.9% higher than Arcola, IL. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Arcola, IL, the model estimates $150,443 in Chaffee, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Arcola, IL and Chaffee, MO?

The modeled two-bedroom rents are $930/month in Arcola, IL and $980/month in Chaffee, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Illinois and Missouri on TaxTakeHome.com

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