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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $554/month moving to Kansas City, MO

$150.0K in your current city equals $143.4K in Kansas City, MO

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area
Overall Cost
7.4%
Less expensive
Monthly Impact
$554
Savings
Annual Impact
$6.6K
Per year

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

Oak Forest, IL

Population:26K
Cost Index:
100
100 = national average
Median Home:$278K

Kansas City, MO

Population:508K
Cost Index:
93
(7% below avg)
Median Home:$257K

Oak Forest, IL

The Prairie State

26K
Population
State Tax
Yes

Located in Illinois, this city has a population of 26K residents.

Kansas City, MO

The Show-Me State

508K
Population
State Tax
Yes

Located in Missouri, this city has a population of 508K residents.

Cost Breakdown by Category

Annual spending: Oak Forest, IL vs Kansas City, MO

Housing
15.2%
Oak Forest, IL
$2,481
Kansas City, MO
$2,105
Difference
$376
less
Transportation
19.5%
Oak Forest, IL
$1,510
Kansas City, MO
$1,216
Difference
$295
less
All Utilities
8.8%
Oak Forest, IL
$492
Kansas City, MO
$535
Difference
$43.31
more
Healthcare
7.7%
Oak Forest, IL
$564
Kansas City, MO
$607
Difference
$43.24
more
Other
1.7%
Oak Forest, IL
$1,580
Kansas City, MO
$1,607
Difference
$26.91
more
Groceries
2.7%
Oak Forest, IL
$976
Kansas City, MO
$949
Difference
$26.57
less

🏛️ Local Income Taxes

Kansas City, MO: Kansas City Earnings Tax$1,500/yr (1.0%)

Oak Forest, IL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$1,024
To$1,180
$156
1 Bed
From$1,093
To$1,280
$187
2 Bed
From$1,230
To$1,460
$230
3 Bed
From$1,582
To$1,900
$318
Oak Forest, ILZIP-level data

1BR range: $1,430$1,430/mo

Kansas City, MOZIP-level data

1BR range: $900$1,800/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.

$7,604
Monthly in Oak Forest, IL
$7,020
Monthly in Kansas City, MO
$584
Difference

Home Values

Oak Forest
Kansas City
$278K
Median Value
$257K
↑ +3%
YoY Change
↑ +0.6%
↑ +33.1%
5-Year Change
↑ +32.2%
$278K
Price Range
$80K - $587K

Homes in Kansas City are 8% less expensive than Oak Forest

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$504
More taxes
Monthly Difference
$42.00
Less take-home
Effective Rate Diff
0.3%
Rate difference

Oak Forest, 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

Kansas City, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Oak Forest, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Kansas City, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 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

Oak Forest
Kansas City
54 Moderate
Air Quality
46 Good
35.8%
Good Air Days
59.3%
100 Very High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.2°F
2050 Outlook
+3.3°F
18 days
Heat Days >95°F
44 days
+3.2°F
2050 Outlook
+3.3°F
18 days
Heat Days >95°F
44 days

What to Consider When Moving from Oak Forest, IL to Kansas City, MO

Relocating from Oak Forest, IL to Kansas City, MO involves more than just comparing rent prices. While the overall cost of living is about 7% lower in Kansas City, MO, 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 Kansas City, MO is 15% cheaper than in Oak Forest, 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 Kansas City, MO 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 Kansas City, MO to match your current standard of living in Oak Forest, 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 Kansas City, MO for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Oak Forest, IL vs Kansas City, MO

Is Kansas City, MO cheaper than Oak Forest, IL?

Yes, Kansas City, MO is about 7.4% cheaper than Oak Forest, IL. You could save approximately $554/month on a $150,000 salary. Housing costs are 15% lower in Kansas City, MO.

What salary do I need in Kansas City, MO to match my lifestyle in Oak Forest, IL?

If you currently earn $150,000 in Oak Forest, IL, you would need approximately $143,351 in Kansas City, MO 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 Oak Forest, IL and Kansas City, MO?

A two-bedroom apartment averages $1,230/month in Oak Forest, IL compared to $1,460/month in Kansas City, MO. One-bedroom apartments are $1,093/month in Oak Forest, IL vs $1,280/month in Kansas City, MO. 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 Oak Forest, IL or Kansas City, MO?

Groceries are about 3% cheaper in Kansas City, MO than in Oak Forest, IL, saving a typical household roughly $26.57/month on food.

What is the best time to move from Oak Forest, IL to Kansas City, MO?

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 Missouri on TaxTakeHome.com

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