Little Canada, MN vs Harvard, IL: Cost of Living

Which city costs less?

Harvard, IL has a modeled overall cost index 13.0% lower than Little Canada, MN.

Little Canada, MN · modeled 2BR rent: $1,520 / month
Harvard, IL · modeled 2BR rent: $1,450 / 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 Little Canada, MN and Harvard, 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 Little Canada, MN

Numbers update automatically as you type

Estimated savings: $832/month in Harvard, IL

$150,000 in your current city has a modeled equivalent of $140,013 in Harvard, IL

Regional cost estimates: Little Canada, MN uses Saint Paul, MN. Harvard, IL uses Milwaukee, WI. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 13.0%

Less expensive

Monthly Impact

$832

Savings

Annual Impact

$10.0K

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.

Little Canada, MN

Population:10K

Cost Index:

97.3

100 = national average

Typical Home:$289K

Harvard, IL

Population:9K

Cost Index:

84.6

100 = national average

Typical Home:$263K

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Little Canada, MN

The North Star State

10K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 10K residents.

Harvard, IL

The Prairie State

Population

State Tax

Yes

Located in Illinois, this city has a population of 9K residents.

Cost Breakdown by Category

Estimated monthly spending: Little Canada, MN vs Harvard, 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	Little Canada, MN	Harvard, IL	Difference	Change
Housing	$2,304/mo	$1,646/mo	↓ $658less	28.6%
Other	$1,633/mo	$1,528/mo	↓ $105less	6.4%
Groceries	$1,013/mo	$946/mo	↓ $66.90less	6.6%
Healthcare	$744/mo	$709/mo	↓ $35.13less	4.7%
Transportation	$1,307/mo	$1,338/mo	↑ $31.34more	2.4%
All Utilities	$500/mo	$501/mo	↑ $1.02more	0.2%

Housing

↓ 28.6%

Little Canada, MN

$2,304

Harvard, IL

$1,646

Difference

$658

less

Other

↓ 6.4%

Little Canada, MN

$1,633

Harvard, IL

$1,528

Difference

$105

less

Groceries

↓ 6.6%

Little Canada, MN

$1,013

Harvard, IL

$946

Difference

$66.90

less

Healthcare

↓ 4.7%

Little Canada, MN

$744

Harvard, IL

$709

Difference

$35.13

less

Transportation

↑ 2.4%

Little Canada, MN

$1,307

Harvard, IL

$1,338

Difference

$31.34

All Utilities

↑ 0.2%

Little Canada, MN

$500

Harvard, IL

$501

Difference

$1.02

🏠Rent Comparison

Studio

From$1,100

To$1,200

↑ $100

1 Bed

From$1,250

To$1,290

↑ $40.00

2 Bed

From$1,520

To$1,450

↓ $70.00

3 Bed

From$2,020

To$1,870

↓ $150

Little Canada, MNZIP-level data

1BR range: $1,250–$1,250/mo

Harvard, ILZIP-level data

1BR range: $1,290–$1,290/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 Little Canada, MN

$6,668

Monthly in Harvard, IL

$832

Difference

Home Values

Little Canada

Harvard

$289K

Median Value

$263K

↑ +1%

YoY Change

↑ +4.3%

↑ +18.3%

5-Year Change

↑ +40.1%

Homes in Harvard are 9% less expensive than Little Canada

Calculate payment - Little Canada Calculate payment - Harvard

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

$251

More take-home

Effective Rate Diff

2.0%

Rate difference

Little Canada, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Harvard, 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

Little Canada, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Harvard, 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

Little Canada

Harvard

36 Good

Air Quality

43 Good

72.4%

Good Air Days

68.6%

95 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.7°F

2050 Outlook

▲+3.3°F

14 days

Heat Days >95°F

13 days

▲+3.7°F

2050 Outlook

▲+3.3°F

14 days

Heat Days >95°F

13 days

Before moving from Little Canada, MN to Harvard, IL

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

Compare actual homes. Get current quotes in Harvard, IL for the same bedroom count and included utilities as your home in Little Canada, MN. 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 Little Canada to Harvard moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Little Canada, MN vs Harvard, IL

How do the cost estimates for Little Canada, MN and Harvard, IL compare?

Harvard, IL has a modeled overall cost index 13.0% lower than Little Canada, MN. 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 Little Canada, MN, the model estimates $140,013 in Harvard, 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 Little Canada, MN and Harvard, IL?

The modeled two-bedroom rents are $1,520/month in Little Canada, MN and $1,450/month in Harvard, 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.

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