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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $574/month more in Nashville, TN

$150.0K in your current city equals $156.9K in Nashville, TN

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
7.7%
More expensive
Monthly Impact
$574
Extra cost
Annual Impact
$6.9K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Crystal Lake, IL

Population:41K
Cost Index:
100
100 = national average
Median Home:$408K

Nashville, TN

Population:689K
Cost Index:
108
(8% above avg)
Median Home:$489K

Crystal Lake, IL

The Prairie State

41K
Population
State Tax
Yes

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

Nashville, TN

The Volunteer State

689K
Population
State Tax
No Income Tax
Climate
Humid subtropical

Notable Facts

  • Music City USA
  • Country music capital
  • Healthcare industry hub

Major Industries

Music IndustryHealthcareTourismFinance

Cost Breakdown by Category

Annual spending: Crystal Lake, IL vs Nashville, TN

Other
24.8%
Crystal Lake, IL
$1,556
Nashville, TN
$1,942
Difference
$386
more
Housing
8.5%
Crystal Lake, IL
$2,443
Nashville, TN
$2,651
Difference
$208
more
Transportation
13.7%
Crystal Lake, IL
$1,487
Nashville, TN
$1,284
Difference
$203
less
Healthcare
8.5%
Crystal Lake, IL
$560
Nashville, TN
$607
Difference
$47.61
more
All Utilities
6.3%
Crystal Lake, IL
$488
Nashville, TN
$519
Difference
$30.73
more
Groceries
2.0%
Crystal Lake, IL
$968
Nashville, TN
$949
Difference
$19.00
less

🏠Rent Comparison

Studio
From$1,189
To$1,600
$411
1 Bed
From$1,275
To$1,680
$405
2 Bed
From$1,433
To$1,840
$407
3 Bed
From$1,843
To$2,350
$507
Crystal Lake, ILZIP-level data

1BR range: $1,610$1,780/mo

Nashville, TNZIP-level data

1BR range: $1,320$2,230/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,502
Monthly in Crystal Lake, IL
$7,952
Monthly in Nashville, TN
$450
Difference

Home Values

Crystal Lake
Nashville
$408K
Median Value
$489K
↑ +5%
YoY Change
↓ -2.1%
↑ +46.8%
5-Year Change
↑ +32.1%
$349K - $466K
Price Range
$320K - $1.16M

Homes in Nashville are 20% more expensive than Crystal Lake

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$7.4K
Per year
Monthly Difference
$619
More take-home
Effective Rate Diff
4.9%
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

Nashville, TN

Federal Income Tax
Effective: 18.9%
$25.5K
Tennessee State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Crystal Lake, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Nashville, TN Tax Rates

Sales Tax:9.5%
Property Tax:0.7%

💡 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
Nashville
54 Moderate
Air Quality
50 Good
35.8%
Good Air Days
51.6%
100 Very High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🫨🌪
+3.2°F
2050 Outlook
+2.8°F
18 days
Heat Days >95°F
42 days
+3.2°F
2050 Outlook
+2.8°F
18 days
Heat Days >95°F
42 days

What to Consider When Moving from Crystal Lake, IL to Nashville, TN

Relocating from Crystal Lake, IL to Nashville, TN involves more than just comparing rent prices. While the overall cost of living is roughly 8% higher in Nashville, TN, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Nashville, TN is 9% more expensive than in Crystal Lake, IL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Nashville, TN pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Nashville, TN to match your current standard of living in Crystal Lake, IL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Nashville, TN for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Crystal Lake, IL vs Nashville, TN

Is Nashville, TN cheaper than Crystal Lake, IL?

Nashville, TN is approximately 7.7% more expensive than Crystal Lake, IL overall. On a $150,000 salary, that translates to roughly $574/month in additional expenses. Housing is the biggest factor, costing 9% more in Nashville, TN.

What salary do I need in Nashville, TN to match my lifestyle in Crystal Lake, IL?

If you currently earn $150,000 in Crystal Lake, IL, you would need approximately $156,887 in Nashville, TN to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Crystal Lake, IL and Nashville, TN?

A two-bedroom apartment averages $1,433/month in Crystal Lake, IL compared to $1,840/month in Nashville, TN. One-bedroom apartments are $1,275/month in Crystal Lake, IL vs $1,680/month in Nashville, TN. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Crystal Lake, IL or Nashville, TN?

Groceries are about 2% cheaper in Nashville, TN than in Crystal Lake, IL, saving a typical household roughly $19.00/month on food.

What is the best time to move from Crystal Lake, IL to Nashville, TN?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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