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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $1.1K/month moving to Sterling Heights, MI

$150.0K in your current city equals $136.4K in Sterling Heights, MI

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area
Overall Cost
15.2%
Less expensive
Monthly Impact
$1,137
Savings
Annual Impact
$13.6K
Per year

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

Joliet, IL

Population:150K
Cost Index:
100
100 = national average
Median Home:$205K

Sterling Heights, MI

Population:133K
Cost Index:
85
(15% below avg)
Median Home:$296K

Joliet, IL

The Prairie State

150K
Population
State Tax
Yes

Located in Illinois, this city has a population of 150K residents.

Sterling Heights, MI

The Great Lakes State

133K
Population
State Tax
Yes

Located in Michigan, this city has a population of 133K residents.

Cost Breakdown by Category

Annual spending: Joliet, IL vs Sterling Heights, MI

Housing
47.0%
Joliet, IL
$2,558
Sterling Heights, MI
$1,356
Difference
$1,202
less
Groceries
5.8%
Joliet, IL
$991
Sterling Heights, MI
$933
Difference
$57.86
less
All Utilities
9.6%
Joliet, IL
$500
Sterling Heights, MI
$548
Difference
$48.04
more
Transportation
2.6%
Joliet, IL
$1,557
Sterling Heights, MI
$1,517
Difference
$39.79
less
Healthcare
3.2%
Joliet, IL
$573
Sterling Heights, MI
$554
Difference
$18.48
less
Other
0.7%
Joliet, IL
$1,629
Sterling Heights, MI
$1,617
Difference
$12.05
less

🏠Rent Comparison

Studio
From$1,040
To$887
$153
1 Bed
From$1,111
To$981
$130
2 Bed
From$1,253
To$1,236
$17.00
3 Bed
From$1,615
To$1,507
$108
Joliet, ILZIP-level data

1BR range: $1,380$1,610/mo

Sterling Heights, MIZIP-level data

1BR range: $1,090$1,280/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.

$7,807
Monthly in Joliet, IL
$6,525
Monthly in Sterling Heights, MI
$1,282
Difference

Home Values

Joliet
Sterling Heights
$205K
Median Value
$296K
↓ -0.9%
YoY Change
↑ +3.9%
↑ +36.7%
5-Year Change
↑ +38%
$198K - $339K
Price Range
$281K - $350K

Homes in Sterling Heights are 44% more expensive than Joliet

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

Joliet, 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

Sterling Heights, 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

Joliet, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Sterling Heights, 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

Joliet
Sterling Heights
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

What to Consider When Moving from Joliet, IL to Sterling Heights, MI

Relocating from Joliet, IL to Sterling Heights, MI involves more than just comparing rent prices. While the overall cost of living is about 15% lower in Sterling Heights, MI, 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 Sterling Heights, MI is 47% cheaper than in Joliet, 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 Sterling Heights, MI 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 Sterling Heights, MI to match your current standard of living in Joliet, 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 Sterling Heights, MI for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Joliet, IL vs Sterling Heights, MI

Is Sterling Heights, MI cheaper than Joliet, IL?

Yes, Sterling Heights, MI is about 15.2% cheaper than Joliet, IL. You could save approximately $1,137/month on a $150,000 salary. Housing costs are 47% lower in Sterling Heights, MI.

What salary do I need in Sterling Heights, MI to match my lifestyle in Joliet, IL?

If you currently earn $150,000 in Joliet, IL, you would need approximately $136,360 in Sterling Heights, MI 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 Joliet, IL and Sterling Heights, MI?

A two-bedroom apartment averages $1,253/month in Joliet, IL compared to $1,236/month in Sterling Heights, MI. One-bedroom apartments are $1,111/month in Joliet, IL vs $981/month in Sterling Heights, MI. 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 Joliet, IL or Sterling Heights, MI?

Groceries are about 6% cheaper in Sterling Heights, MI than in Joliet, IL, saving a typical household roughly $57.86/month on food.

What is the best time to move from Joliet, IL to Sterling Heights, MI?

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 Michigan on TaxTakeHome.com

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