Calumet City, IL vs Garfield Heights, OH: Cost of Living

Which city costs less?

Garfield Heights, OH has a modeled overall cost index 20.9% lower than Calumet City, IL.

Calumet City, IL · modeled 2BR rent: $1,450 / month
Garfield Heights, OH · modeled 2BR rent: $1,390 / 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 Calumet City, IL and Garfield Heights, OH 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

Current salary in Calumet City, IL

Numbers update automatically as you type

Estimated savings: $1,541/month in Garfield Heights, OH

$150,000 in your current city has a modeled equivalent of $131,513 in Garfield Heights, OH

Regional cost estimates: Calumet City, IL uses Chicago, IL. Garfield Heights, OH uses Cleveland, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 20.9%

Less expensive

Monthly Impact

$1,541

Savings

Annual Impact

$18.5K

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.

Calumet City, IL

Population:34K

Cost Index:

97.8

100 = national average

Typical Home:$148K

Garfield Heights, OH

Population:29K

Cost Index:

77.4

100 = national average

Typical Home:$134K

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Calumet City, IL

The Prairie State

34K

Population

State Tax

Yes

Located in Illinois, this city has a population of 34K residents.

Garfield Heights, OH

The Buckeye State

29K

Population

State Tax

Yes

Located in Ohio, this city has a population of 29K residents.

Cost Breakdown by Category

Estimated monthly spending: Calumet City, IL vs Garfield Heights, OH

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.

Category	Calumet City, IL	Garfield Heights, OH	Difference	Change
Housing	$2,449/mo	$1,386/mo	↓ $1,064less	43.4%
Transportation	$1,491/mo	$1,265/mo	↓ $227less	15.2%
Other	$1,560/mo	$1,441/mo	↓ $119less	7.6%
Healthcare	$555/mo	$502/mo	↓ $53.12less	9.6%
All Utilities	$484/mo	$443/mo	↓ $41.75less	8.6%
Groceries	$960/mo	$924/mo	↓ $36.67less	3.8%

Housing

↓ 43.4%

Calumet City, IL

$2,449

Garfield Heights, OH

$1,386

Difference

$1,064

less

Transportation

↓ 15.2%

Calumet City, IL

$1,491

Garfield Heights, OH

$1,265

Difference

$227

less

Other

↓ 7.6%

Calumet City, IL

$1,560

Garfield Heights, OH

$1,441

Difference

$119

less

Healthcare

↓ 9.6%

Calumet City, IL

$555

Garfield Heights, OH

$502

Difference

$53.12

less

All Utilities

↓ 8.6%

Calumet City, IL

$484

Garfield Heights, OH

$443

Difference

$41.75

less

Groceries

↓ 3.8%

Calumet City, IL

$960

Garfield Heights, OH

$924

Difference

$36.67

less

🏠Rent Comparison

Studio

From$1,200

To$1,010

↓ $190

1 Bed

From$1,290

To$1,150

↓ $140

2 Bed

From$1,450

To$1,390

↓ $60.00

3 Bed

From$1,870

To$1,790

↓ $80.00

Calumet City, ILZIP-level data

1BR range: $1,290–$1,290/mo

Garfield Heights, OHZIP-level data

1BR range: $1,150–$1,150/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 Calumet City, IL

$5,959

Monthly in Garfield Heights, OH

$1,541

Difference

Home Values

Calumet City

Garfield Heights

$148K

Median Value

$134K

↓ -3%

YoY Change

↑ +2.2%

↑ +36.5%

5-Year Change

↑ +43.6%

Homes in Garfield Heights are 9% less expensive than Calumet City

Calculate payment - Calumet City Calculate payment - Garfield Heights

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.0K

Per year

Monthly Difference

$250

More take-home

Effective Rate Diff

2.0%

Rate difference

Calumet City, 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

Garfield Heights, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Additional Tax Information

Calumet City, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Garfield Heights, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

💡 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

Calumet City

Garfield Heights

54 Moderate

Air Quality

54 Moderate

35.8%

Good Air Days

37.2%

100 Very High

Climate Risk

98 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.3°F

18 days

Heat Days >95°F

11 days

▲+3.2°F

2050 Outlook

▲+3.3°F

18 days

Heat Days >95°F

11 days

Before moving from Calumet City, IL to Garfield Heights, OH

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

Compare actual homes. Get current quotes in Garfield Heights, OH for the same bedroom count and included utilities as your home in Calumet City, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Calumet City to Garfield Heights moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Garfield Heights, OH by cost, housing, population and region.

Frequently Asked Questions: Calumet City, IL vs Garfield Heights, OH

How do the cost estimates for Calumet City, IL and Garfield Heights, OH compare?

Garfield Heights, OH has a modeled overall cost index 20.9% lower than Calumet City, 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 Calumet City, IL, the model estimates $131,513 in Garfield Heights, OH. 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 Calumet City, IL and Garfield Heights, OH?

The modeled two-bedroom rents are $1,450/month in Calumet City, IL and $1,390/month in Garfield Heights, OH. 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 Ohio on TaxTakeHome.com