Crystal Lake, IL vs Mount Prospect, IL: Cost of Living

Which city costs less?

Mount Prospect, IL has a modeled overall cost index 2.5% higher than Crystal Lake, IL.

Crystal Lake, IL · modeled 2BR rent: $1,905 / month
Mount Prospect, IL · modeled 2BR rent: $1,910 / 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 Crystal Lake, IL and Mount Prospect, IL 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 Crystal Lake, IL

Numbers update automatically as you type

Estimated extra cost: $165/month in Mount Prospect, IL

$150,000 in your current city has a modeled equivalent of $151,977 in Mount Prospect, IL

Regional cost estimates: Crystal Lake, IL uses Chicago, IL. Mount Prospect, IL uses Chicago, IL. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.5%

More expensive

Monthly Impact

$165

Extra cost

Annual Impact

$2.0K

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.

Crystal Lake, IL

Population:41K

Cost Index:

96.4

100 = national average

Typical Home:$408K

Mount Prospect, IL

Population:54K

Cost Index:

98.9

100 = national average

Typical Home:$416K

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Crystal Lake, IL

The Prairie State

41K

Population

State Tax

Yes

Located in Illinois, this city has a population of 41K residents.

Mount Prospect, IL

The Prairie State

54K

Population

State Tax

Yes

Located in Illinois, this city has a population of 54K residents.

Cost Breakdown by Category

Estimated monthly spending: Crystal Lake, IL vs Mount Prospect, IL

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	Crystal Lake, IL	Mount Prospect, IL	Difference	Change
Housing	$2,445/mo	$2,507/mo	↑ $62.07more	2.5%
Other	$1,557/mo	$1,597/mo	↑ $39.53more	2.5%
Transportation	$1,488/mo	$1,526/mo	↑ $37.79more	2.5%
Groceries	$965/mo	$977/mo	↑ $12.18more	1.3%
Healthcare	$558/mo	$565/mo	↑ $7.04more	1.3%
All Utilities	$487/mo	$493/mo	↑ $6.14more	1.3%

Housing

↑ 2.5%

Crystal Lake, IL

$2,445

Mount Prospect, IL

$2,507

Difference

$62.07

Other

↑ 2.5%

Crystal Lake, IL

$1,557

Mount Prospect, IL

$1,597

Difference

$39.53

Transportation

↑ 2.5%

Crystal Lake, IL

$1,488

Mount Prospect, IL

$1,526

Difference

$37.79

Groceries

↑ 1.3%

Crystal Lake, IL

$965

Mount Prospect, IL

$977

Difference

$12.18

Healthcare

↑ 1.3%

Crystal Lake, IL

$558

Mount Prospect, IL

$565

Difference

$7.04

All Utilities

↑ 1.3%

Crystal Lake, IL

$487

Mount Prospect, IL

$493

Difference

$6.14

🏠Rent Comparison

Studio

From$1,580

To$1,590

↑ $10.00

1 Bed

From$1,695

To$1,700

↑ $5.00

2 Bed

From$1,905

To$1,910

↑ $5.00

3 Bed

From$2,450

To$2,460

↑ $10.00

Crystal Lake, ILZIP-level data

1BR range: $1,610–$1,780/mo

Mount Prospect, ILZIP-level data

1BR range: $1,700–$1,700/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 Crystal Lake, IL

$7,665

Monthly in Mount Prospect, IL

$165

Difference

Home Values

Crystal Lake

Mount Prospect

$408K

Median Value

$416K

↑ +5%

YoY Change

↑ +6.5%

↑ +46.8%

5-Year Change

↑ +37.7%

$349K - $466K

Price Range

$416K

Homes in Mount Prospect are 2% more expensive than Crystal Lake

Calculate payment - Crystal Lake Calculate payment - Mount Prospect

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Crystal Lake, 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

Mount Prospect, 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

Additional Tax Information

Crystal Lake, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Mount Prospect, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

💡 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

Crystal Lake

Mount Prospect

54 Moderate

Air Quality

54 Moderate

35.8%

Good Air Days

35.8%

100 Very High

Climate Risk

100 Very High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+3.2°F

2050 Outlook

▲+3.2°F

18 days

Heat Days >95°F

18 days

▲+3.2°F

2050 Outlook

▲+3.2°F

18 days

Heat Days >95°F

18 days

Before moving from Crystal Lake, IL to Mount Prospect, IL

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

Compare actual homes. Get current quotes in Mount Prospect, IL for the same bedroom count and included utilities as your home in Crystal Lake, 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 Crystal Lake to Mount Prospect moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Mount Prospect, IL by cost, housing, population and region.

Frequently Asked Questions: Crystal Lake, IL vs Mount Prospect, IL

How do the cost estimates for Crystal Lake, IL and Mount Prospect, IL compare?

Mount Prospect, IL has a modeled overall cost index 2.5% higher than Crystal Lake, 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 Crystal Lake, IL, the model estimates $151,977 in Mount Prospect, IL. 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 Crystal Lake, IL and Mount Prospect, IL?

The modeled two-bedroom rents are $1,905/month in Crystal Lake, IL and $1,910/month in Mount Prospect, IL. 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.