Loves Park, IL vs Chillicothe, OH: Cost of Living

Which city costs less?

Chillicothe, OH has a modeled overall cost index 15.2% lower than Loves Park, IL.

Loves Park, IL · modeled 2BR rent: $1,240 / month
Chillicothe, OH · modeled 2BR rent: $1,080 / 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 Loves Park, IL and Chillicothe, 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

Current salary in Loves Park, IL

Numbers update automatically as you type

Estimated savings: $1,059/month in Chillicothe, OH

$150,000 in your current city has a modeled equivalent of $137,296 in Chillicothe, OH

Regional cost estimates: Loves Park, IL uses Madison, WI. Chillicothe, OH uses Columbus, OH. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 15.2%

Less expensive

Monthly Impact

$1,059

Savings

Annual Impact

$12.7K

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.

Loves Park, IL

Population:23K

Cost Index:

97.6

100 = national average

Typical Home:$192K

Chillicothe, OH

Population:22K

Cost Index:

82.7

100 = national average

Typical Home:$191K

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Loves Park, IL

The Prairie State

23K

Population

State Tax

Yes

Located in Illinois, this city has a population of 23K residents.

Chillicothe, OH

The Buckeye State

22K

Population

State Tax

Yes

Located in Ohio, this city has a population of 22K residents.

Cost Breakdown by Category

Estimated monthly spending: Loves Park, IL vs Chillicothe, 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.

Category	Loves Park, IL	Chillicothe, OH	Difference	Change
Housing	$2,340/mo	$1,725/mo	↓ $615less	26.3%
Other	$1,691/mo	$1,453/mo	↓ $237less	14.0%
Healthcare	$704/mo	$591/mo	↓ $112less	16.0%
Transportation	$1,328/mo	$1,275/mo	↓ $52.84less	4.0%
All Utilities	$498/mo	$452/mo	↓ $45.31less	9.1%
Groceries	$939/mo	$944/mo	↑ $4.56more	0.5%

Housing

↓ 26.3%

Loves Park, IL

$2,340

Chillicothe, OH

$1,725

Difference

$615

less

Other

↓ 14.0%

Loves Park, IL

$1,691

Chillicothe, OH

$1,453

Difference

$237

less

Healthcare

↓ 16.0%

Loves Park, IL

$704

Chillicothe, OH

$591

Difference

$112

less

Transportation

↓ 4.0%

Loves Park, IL

$1,328

Chillicothe, OH

$1,275

Difference

$52.84

less

All Utilities

↓ 9.1%

Loves Park, IL

$498

Chillicothe, OH

$452

Difference

$45.31

less

Groceries

↑ 0.5%

Loves Park, IL

$939

Chillicothe, OH

$944

Difference

$4.56

🏠Rent Comparison

Studio

From$850

To$800

↓ $50.00

1 Bed

From$950

To$900

↓ $50.00

2 Bed

From$1,240

To$1,080

↓ $160

3 Bed

From$1,640

To$1,360

↓ $280

Loves Park, ILZIP-level data

1BR range: $950–$950/mo

Chillicothe, OHZIP-level data

1BR range: $900–$900/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 Loves Park, IL

$6,441

Monthly in Chillicothe, OH

$1,059

Difference

Home Values

Loves Park

Chillicothe

$192K

Median Value

$191K

↑ +7.4%

YoY Change

↑ +2.8%

↑ +54.4%

5-Year Change

↑ +36.7%

Homes in Chillicothe are 1% less expensive than Loves Park

Calculate payment - Loves Park Calculate payment - Chillicothe

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

Loves Park, 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

Chillicothe, 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

Loves Park, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Chillicothe, 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

Loves Park

Chillicothe

42 Good

Air Quality

53 Moderate

72.1%

Good Air Days

41.3%

94 Moderate

Climate Risk

98 High

🌊🌪💨

Top Hazards

🌊🌡🌪

▲+3.4°F

2050 Outlook

▲+3.1°F

10 days

Heat Days >95°F

18 days

▲+3.4°F

2050 Outlook

▲+3.1°F

10 days

Heat Days >95°F

18 days

Before moving from Loves Park, IL to Chillicothe, OH

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

Compare actual homes. Get current quotes in Chillicothe, OH for the same bedroom count and included utilities as your home in Loves Park, 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 Loves Park to Chillicothe moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Loves Park, IL vs Chillicothe, OH

How do the cost estimates for Loves Park, IL and Chillicothe, OH compare?

Chillicothe, OH has a modeled overall cost index 15.2% lower than Loves Park, 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 Loves Park, IL, the model estimates $137,296 in Chillicothe, 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 Loves Park, IL and Chillicothe, OH?

The modeled two-bedroom rents are $1,240/month in Loves Park, IL and $1,080/month in Chillicothe, 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