Philo, IL vs Roaming Shores, OH: Cost of Living

Which city costs less?

Roaming Shores, OH has a modeled overall cost index 1.5% lower than Philo, IL.

Philo, IL · modeled 2BR rent
$1,180 / month
Roaming Shores, OH · modeled 2BR rent
$1,210 / 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 Philo, IL and Roaming Shores, 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

$
Numbers update automatically as you type

Estimated extra cost: $96.85/month in Roaming Shores, OH

$150,000 in your current city has a modeled equivalent of $151,162 in Roaming Shores, OH

Regional cost estimates: Philo, IL uses Indianapolis, IN. Roaming Shores, OH uses Cleveland, OH. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 1.5%
Less expensive
Monthly Impact
$96.85
Extra cost
Annual Impact
$1.2K
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.

Philo, IL

Population:1K
Cost Index:
74.7
100 = national average
Typical Home:$246K

Roaming Shores, OH

Population:2K
Cost Index:
73.6
100 = national average
Typical Home:$249K

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Philo, IL

The Prairie State

1K
Population
State Tax
Yes

Located in Illinois, this city has a population of 1K residents.

Roaming Shores, OH

The Buckeye State

2K
Population
State Tax
Yes

Located in Ohio, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Philo, IL vs Roaming Shores, 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.

Transportation
↑ 20.1%
Philo, IL
$1,331
Roaming Shores, OH
$1,599
Difference
$268
more
Housing
↓ 10.8%
Philo, IL
$1,965
Roaming Shores, OH
$1,752
Difference
$212
less
Groceries
↑ 7.8%
Philo, IL
$1,111
Roaming Shores, OH
$1,198
Difference
$86.61
more
Healthcare
↓ 7.6%
Philo, IL
$704
Roaming Shores, OH
$651
Difference
$53.18
less
Other
↑ 2.3%
Philo, IL
$1,781
Roaming Shores, OH
$1,822
Difference
$41.36
more
All Utilities
↓ 5.5%
Philo, IL
$608
Roaming Shores, OH
$574
Difference
$33.69
less

🏠Rent Comparison

Studio
From$990
To$835
↓ $155
1 Bed
From$1,000
To$980
↓ $20.00
2 Bed
From$1,180
To$1,210
↑ $30.00
3 Bed
From$1,510
To$1,465
↓ $45.00
Philo, ILZIP-level data

1BR range: $1,000–$1,000/mo

Roaming Shores, OHZIP-level data

1BR range: $930–$1,030/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 Philo, IL
$7,597
Monthly in Roaming Shores, OH
$96.85
Difference

Home Values

Philo
Roaming Shores
$246K
Median Value
$249K
↑ +9.2%
YoY Change
↑ +5.2%
↑ +29.3%
5-Year Change
↑ +46.8%
$246K
Price Range
$238K - $260K

Homes in Roaming Shores are 1% more expensive than Philo

Calculate payment - PhiloCalculate payment - Roaming Shores

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

Philo, 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

Roaming Shores, 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

Philo, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Roaming Shores, 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

Philo
Roaming Shores
54 Moderate
Air Quality
54 Moderate
36.6%
Good Air Days
37.2%
97 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+3.3°F
18 days
Heat Days >95°F
11 days
▲+3.1°F
2050 Outlook
▲+3.3°F
18 days
Heat Days >95°F
11 days

Before moving from Philo, IL to Roaming Shores, OH

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

  1. Compare actual homes. Get current quotes in Roaming Shores, OH for the same bedroom count and included utilities as your home in Philo, IL. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Philo to Roaming Shores moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Philo, IL vs Roaming Shores, OH

How do the cost estimates for Philo, IL and Roaming Shores, OH compare?

Roaming Shores, OH has a modeled overall cost index 1.5% lower than Philo, 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 Philo, IL, the model estimates $151,162 in Roaming Shores, 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 Philo, IL and Roaming Shores, OH?

The modeled two-bedroom rents are $1,180/month in Philo, IL and $1,210/month in Roaming Shores, 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

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