Cerro Gordo, IL vs Ontonagon, MI: Cost of Living

Which city costs less?

Ontonagon, MI has a modeled overall cost index 13.9% lower than Cerro Gordo, IL.

Cerro Gordo, IL · modeled 2BR rent
$1,120 / month
Ontonagon, MI · modeled 2BR rent
$970 / 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 Cerro Gordo, IL and Ontonagon, 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

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Estimated savings: $719/month in Ontonagon, MI

$150,000 in your current city has a modeled equivalent of $141,366 in Ontonagon, MI

Regional cost estimates: Cerro Gordo, IL uses St. Louis, MO. Ontonagon, MI uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 13.9%
Less expensive
Monthly Impact
$719
Savings
Annual Impact
$8.6K
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.

Cerro Gordo, IL

Population:1K
Cost Index:
76.9
100 = national average
Typical Home:$143K

Ontonagon, MI

Population:1K
Cost Index:
66.2
100 = national average
Typical Home:$138K

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Cerro Gordo, IL

The Prairie State

1K
Population
State Tax
Yes

Located in Illinois, this city has a population of 1K residents.

Ontonagon, MI

The Great Lakes State

1K
Population
State Tax
Yes

Located in Michigan, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Cerro Gordo, IL vs Ontonagon, 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.

Other
↓ 23.5%
Cerro Gordo, IL
$1,814
Ontonagon, MI
$1,388
Difference
$426
less
Transportation
↓ 19.1%
Cerro Gordo, IL
$1,372
Ontonagon, MI
$1,110
Difference
$262
less
Healthcare
↑ 21.2%
Cerro Gordo, IL
$632
Ontonagon, MI
$766
Difference
$134
more
All Utilities
↓ 19.9%
Cerro Gordo, IL
$643
Ontonagon, MI
$515
Difference
$128
less
Groceries
↓ 8.4%
Cerro Gordo, IL
$1,139
Ontonagon, MI
$1,043
Difference
$96.10
less
Housing
↑ 3.0%
Cerro Gordo, IL
$1,900
Ontonagon, MI
$1,958
Difference
$57.43
more

🏠Rent Comparison

Studio
From$940
To$690
↓ $250
1 Bed
From$940
To$890
↓ $50.00
2 Bed
From$1,120
To$970
↓ $150
3 Bed
From$1,430
To$1,240
↓ $190
Cerro Gordo, ILZIP-level data

1BR range: $940–$940/mo

Ontonagon, MIZIP-level data

1BR range: $890–$890/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 Cerro Gordo, IL
$6,781
Monthly in Ontonagon, MI
$719
Difference

Home Values

Cerro Gordo
Ontonagon
$143K
Median Value
$138K
↑ +5.5%
YoY Change
↑ +6.1%
↑ +28.5%
5-Year Change
↑ +29%

Homes in Ontonagon are 3% less expensive than Cerro Gordo

Calculate payment - Cerro GordoCalculate payment - Ontonagon

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

Cerro Gordo, 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

Ontonagon, 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

Cerro Gordo, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Ontonagon, 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

Cerro Gordo
Ontonagon
54 Moderate
Air Quality
36 Good
38%
Good Air Days
72.4%
99 High
Climate Risk
95 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+3.7°F
39 days
Heat Days >95°F
14 days
▲+3.0°F
2050 Outlook
▲+3.7°F
39 days
Heat Days >95°F
14 days

Before moving from Cerro Gordo, IL to Ontonagon, 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 Ontonagon, MI for the same bedroom count and included utilities as your home in Cerro Gordo, 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 Cerro Gordo to Ontonagon moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Cerro Gordo, IL vs Ontonagon, MI

How do the cost estimates for Cerro Gordo, IL and Ontonagon, MI compare?

Ontonagon, MI has a modeled overall cost index 13.9% lower than Cerro Gordo, 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 Cerro Gordo, IL, the model estimates $141,366 in Ontonagon, 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 Cerro Gordo, IL and Ontonagon, MI?

The modeled two-bedroom rents are $1,120/month in Cerro Gordo, IL and $970/month in Ontonagon, 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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