El Paso, IL vs Oak Harbor, OH: Cost of Living

Which city costs less?

Oak Harbor, OH has a modeled overall cost index 1.2% higher than El Paso, IL.

El Paso, IL · modeled 2BR rent
$1,040 / month
Oak Harbor, OH · modeled 2BR rent
$1,070 / 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 El Paso, IL and Oak Harbor, 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

$
Numbers update automatically as you type

Estimated savings: $196/month in Oak Harbor, OH

$150,000 in your current city has a modeled equivalent of $147,651 in Oak Harbor, OH

Regional cost estimates: El Paso, IL uses Chicago, IL. Oak Harbor, OH uses Detroit, MI. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 1.2%
More expensive
Monthly Impact
$196
Savings
Annual Impact
$2.3K
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.

El Paso, IL

Population:3K
Cost Index:
78.7
100 = national average
Typical Home:$198K

Oak Harbor, OH

Population:3K
Cost Index:
79.7
100 = national average
Typical Home:$197K

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El Paso, IL

The Prairie State

3K
Population
State Tax
Yes

Located in Illinois, this city has a population of 3K residents.

Oak Harbor, OH

The Buckeye State

3K
Population
State Tax
Yes

Located in Ohio, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: El Paso, IL vs Oak Harbor, 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.

Housing
↓ 36.8%
El Paso, IL
$2,377
Oak Harbor, OH
$1,502
Difference
$875
less
Other
↑ 18.4%
El Paso, IL
$1,514
Oak Harbor, OH
$1,792
Difference
$278
more
Transportation
↑ 16.2%
El Paso, IL
$1,447
Oak Harbor, OH
$1,681
Difference
$234
more
All Utilities
↑ 19.7%
El Paso, IL
$524
Oak Harbor, OH
$627
Difference
$103
more
Healthcare
↑ 5.7%
El Paso, IL
$600
Oak Harbor, OH
$634
Difference
$34.07
more
Groceries
↑ 2.8%
El Paso, IL
$1,039
Oak Harbor, OH
$1,068
Difference
$29.33
more

🏠Rent Comparison

Studio
From$760
To$780
↑ $20.00
1 Bed
From$820
To$820
→ $0
2 Bed
From$1,040
To$1,070
↑ $30.00
3 Bed
From$1,350
To$1,280
↓ $70.00
El Paso, ILZIP-level data

1BR range: $820–$820/mo

Oak Harbor, OHZIP-level data

1BR range: $820–$820/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 El Paso, IL
$7,304
Monthly in Oak Harbor, OH
$196
Difference

Home Values

El Paso
Oak Harbor
$198K
Median Value
$197K
↑ +9.3%
YoY Change
↓ -0.3%
↑ +24.1%
5-Year Change
↑ +26.7%

Homes in Oak Harbor are 1% less expensive than El Paso

Calculate payment - El PasoCalculate payment - Oak Harbor

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

El Paso, 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

Oak Harbor, 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

El Paso, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Oak Harbor, 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

El Paso
Oak Harbor
54 Moderate
Air Quality
55 Moderate
35.8%
Good Air Days
32.8%
100 Very High
Climate Risk
99 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
▲+3.2°F
2050 Outlook
▲+3.1°F
18 days
Heat Days >95°F
10 days
▲+3.2°F
2050 Outlook
▲+3.1°F
18 days
Heat Days >95°F
10 days

Before moving from El Paso, IL to Oak Harbor, OH

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

  1. Compare actual homes. Get current quotes in Oak Harbor, OH for the same bedroom count and included utilities as your home in El Paso, 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 El Paso to Oak Harbor moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: El Paso, IL vs Oak Harbor, OH

How do the cost estimates for El Paso, IL and Oak Harbor, OH compare?

Oak Harbor, OH has a modeled overall cost index 1.2% higher than El Paso, 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 El Paso, IL, the model estimates $147,651 in Oak Harbor, 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 El Paso, IL and Oak Harbor, OH?

The modeled two-bedroom rents are $1,040/month in El Paso, IL and $1,070/month in Oak Harbor, 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

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