Momence, IL vs Blue Earth, MN: Cost of Living

Which city costs less?

Blue Earth, MN has a modeled overall cost index 7.1% lower than Momence, IL.

Momence, IL · modeled 2BR rent: $1,130 / month
Blue Earth, MN · modeled 2BR rent: $1,000 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Momence, IL and Blue Earth, MN 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 Momence, IL

Numbers update automatically as you type

Estimated savings: $739/month in Blue Earth, MN

$150,000 in your current city has a modeled equivalent of $141,134 in Blue Earth, MN

Regional cost estimates: Momence, IL uses Chicago, IL. Blue Earth, MN uses Minneapolis, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 7.1%

Less expensive

Monthly Impact

$739

Savings

Annual Impact

$8.9K

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.

Momence, IL

Population:3K

Cost Index:

90.7

100 = national average

Typical Home:$168K

Blue Earth, MN

Population:3K

Cost Index:

84.2

100 = national average

Typical Home:$172K

Planning the move to Blue Earth?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Momence, IL

The Prairie State

Population

State Tax

Yes

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

Blue Earth, MN

The North Star State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Momence, IL vs Blue Earth, MN

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	Momence, IL	Blue Earth, MN	Difference	Change
Housing	$2,424/mo	$2,063/mo	↓ $361less	14.9%
Transportation	$1,476/mo	$1,127/mo	↓ $349less	23.6%
Healthcare	$571/mo	$699/mo	↑ $129more	22.5%
Other	$1,544/mo	$1,450/mo	↓ $94.53less	6.1%
Groceries	$987/mo	$952/mo	↓ $35.22less	3.6%
All Utilities	$498/mo	$470/mo	↓ $27.87less	5.6%

Housing

↓ 14.9%

Momence, IL

$2,424

Blue Earth, MN

$2,063

Difference

$361

less

Transportation

↓ 23.6%

Momence, IL

$1,476

Blue Earth, MN

$1,127

Difference

$349

less

Healthcare

↑ 22.5%

Momence, IL

$571

Blue Earth, MN

$699

Difference

$129

Other

↓ 6.1%

Momence, IL

$1,544

Blue Earth, MN

$1,450

Difference

$94.53

less

Groceries

↓ 3.6%

Momence, IL

$987

Blue Earth, MN

$952

Difference

$35.22

less

All Utilities

↓ 5.6%

Momence, IL

$498

Blue Earth, MN

$470

Difference

$27.87

less

🏠Rent Comparison

Studio

From$780

To$690

↓ $90.00

1 Bed

From$860

To$810

↓ $50.00

2 Bed

From$1,130

To$1,000

↓ $130

3 Bed

From$1,490

To$1,350

↓ $140

Momence, ILZIP-level data

1BR range: $860–$860/mo

Blue Earth, MNZIP-level data

1BR range: $810–$810/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 Momence, IL

$6,761

Monthly in Blue Earth, MN

$739

Difference

Home Values

Momence

Blue Earth

$168K

Median Value

$172K

↑ +4.8%

YoY Change

↑ +6.4%

↑ +33.7%

5-Year Change

↑ +46.7%

Homes in Blue Earth are 2% more expensive than Momence

Calculate payment - Momence Calculate payment - Blue Earth

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $3.0K

More taxes

Monthly Difference

$251

Less take-home

Effective Rate Diff

2.0%

Rate difference

Momence, 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

Blue Earth, 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

Additional Tax Information

Momence, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Blue Earth, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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

Momence

Blue Earth

54 Moderate

Air Quality

42 Good

35.8%

Good Air Days

66.4%

100 Very High

Climate Risk

98 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.6°F

18 days

Heat Days >95°F

14 days

▲+3.2°F

2050 Outlook

▲+3.6°F

18 days

Heat Days >95°F

14 days

Before moving from Momence, IL to Blue Earth, MN

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

Compare actual homes. Get current quotes in Blue Earth, MN for the same bedroom count and included utilities as your home in Momence, 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 Momence to Blue Earth moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Blue Earth, MN by cost, housing, population and region.

Frequently Asked Questions: Momence, IL vs Blue Earth, MN

How do the cost estimates for Momence, IL and Blue Earth, MN compare?

Blue Earth, MN has a modeled overall cost index 7.1% lower than Momence, 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 Momence, IL, the model estimates $141,134 in Blue Earth, MN. 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 Momence, IL and Blue Earth, MN?

The modeled two-bedroom rents are $1,130/month in Momence, IL and $1,000/month in Blue Earth, MN. 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 Minnesota on TaxTakeHome.com