Beardstown, IL vs River Rouge, MI: Cost of Living

Which city costs less?

River Rouge, MI has a modeled overall cost index 2.7% lower than Beardstown, IL.

Beardstown, IL · modeled 2BR rent
$940 / month
River Rouge, MI · modeled 2BR rent
$1,060 / 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 Beardstown, IL and River Rouge, MI 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 savings: $20.87/month in River Rouge, MI

$150,000 in your current city has a modeled equivalent of $149,750 in River Rouge, MI

Regional cost estimates: Beardstown, IL uses St. Louis, MO. River Rouge, MI uses Detroit, MI. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 2.7%
Less expensive
Monthly Impact
$20.87
Savings
Annual Impact
$250
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.

Beardstown, IL

Population:6K
Cost Index:
81.6
100 = national average
Typical Home:$83K

River Rouge, MI

Population:7K
Cost Index:
79.3
100 = national average
Typical Home:$83K

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Beardstown, IL

The Prairie State

6K
Population
State Tax
Yes

Located in Illinois, this city has a population of 6K residents.

River Rouge, MI

The Great Lakes State

7K
Population
State Tax
Yes

Located in Michigan, this city has a population of 7K residents.

Cost Breakdown by Category

Estimated monthly spending: Beardstown, IL vs River Rouge, MI

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.

Housing
↓ 19.9%
Beardstown, IL
$1,918
River Rouge, MI
$1,537
Difference
$381
less
Transportation
↑ 24.2%
Beardstown, IL
$1,385
River Rouge, MI
$1,721
Difference
$336
more
Healthcare
↑ 5.0%
Beardstown, IL
$620
River Rouge, MI
$650
Difference
$30.82
more
Groceries
↓ 1.9%
Beardstown, IL
$1,117
River Rouge, MI
$1,095
Difference
$21.73
less
All Utilities
↑ 2.1%
Beardstown, IL
$630
River Rouge, MI
$643
Difference
$12.95
more
Other
↑ 0.2%
Beardstown, IL
$1,831
River Rouge, MI
$1,833
Difference
$2.79
more

🏠Rent Comparison

Studio
From$650
To$750
↑ $100
1 Bed
From$860
To$830
↓ $30.00
2 Bed
From$940
To$1,060
↑ $120
3 Bed
From$1,300
To$1,300
→ $0
Beardstown, ILZIP-level data

1BR range: $860–$860/mo

River Rouge, MIZIP-level data

1BR range: $830–$830/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 Beardstown, IL
$7,479
Monthly in River Rouge, MI
$20.87
Difference

Home Values

Beardstown
River Rouge
$83K
Median Value
$83K
↓ -5.7%
YoY Change
↑ +3.7%
↑ +17%
5-Year Change
↑ +65.2%

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.1K
Per year
Monthly Difference
$87.50
More take-home
Effective Rate Diff
0.7%
Rate difference

Beardstown, 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

River Rouge, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

Additional Tax Information

Beardstown, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

River Rouge, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

💡 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

Beardstown
River Rouge
54 Moderate
Air Quality
55 Moderate
38%
Good Air Days
32.8%
99 High
Climate Risk
99 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+3.1°F
39 days
Heat Days >95°F
10 days
▲+3.0°F
2050 Outlook
▲+3.1°F
39 days
Heat Days >95°F
10 days

Before moving from Beardstown, IL to River Rouge, MI

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

  1. Compare actual homes. Get current quotes in River Rouge, MI for the same bedroom count and included utilities as your home in Beardstown, 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 Beardstown to River Rouge moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to River Rouge, MI by cost, housing, population and region.

Frequently Asked Questions: Beardstown, IL vs River Rouge, MI

How do the cost estimates for Beardstown, IL and River Rouge, MI compare?

River Rouge, MI has a modeled overall cost index 2.7% lower than Beardstown, 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 Beardstown, IL, the model estimates $149,750 in River Rouge, MI. 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 Beardstown, IL and River Rouge, MI?

The modeled two-bedroom rents are $940/month in Beardstown, IL and $1,060/month in River Rouge, MI. 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 Michigan on TaxTakeHome.com

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