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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $1.3K/month moving to Sterling Heights, MI

$150.0K in your current city equals $134.7K in Sterling Heights, MI

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
17.0%
Less expensive
Monthly Impact
$1,278
Savings
Annual Impact
$15.3K
Per year

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

Rockford, IL

Population:146K
Cost Index:
100
100 = national average
Median Home:$158K

Sterling Heights, MI

Population:133K
Cost Index:
83
(17% below avg)
Median Home:$296K

Rockford, IL

The Prairie State

146K
Population
State Tax
Yes

Located in Illinois, this city has a population of 146K residents.

Sterling Heights, MI

The Great Lakes State

133K
Population
State Tax
Yes

Located in Michigan, this city has a population of 133K residents.

Cost Breakdown by Category

Annual spending: Rockford, IL vs Sterling Heights, MI

Housing
44.0%
Rockford, IL
$2,419
Sterling Heights, MI
$1,356
Difference
$1,064
less
Healthcare
22.0%
Rockford, IL
$710
Sterling Heights, MI
$554
Difference
$156
less
Transportation
10.5%
Rockford, IL
$1,373
Sterling Heights, MI
$1,517
Difference
$144
more
Other
7.5%
Rockford, IL
$1,748
Sterling Heights, MI
$1,617
Difference
$131
less
All Utilities
9.1%
Rockford, IL
$502
Sterling Heights, MI
$548
Difference
$45.78
more
Groceries
1.5%
Rockford, IL
$948
Sterling Heights, MI
$933
Difference
$14.64
less

🏠Rent Comparison

Studio
From$639
To$887
$248
1 Bed
From$705
To$981
$276
2 Bed
From$921
To$1,236
$315
3 Bed
From$1,219
To$1,507
$288
Rockford, ILZIP-level data

1BR range: $810$1,130/mo

Sterling Heights, MIZIP-level data

1BR range: $1,090$1,280/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.

$7,700
Monthly in Rockford, IL
$6,525
Monthly in Sterling Heights, MI
$1,175
Difference

Home Values

Rockford
Sterling Heights
$158K
Median Value
$296K
↑ +8.6%
YoY Change
↑ +3.9%
↑ +69.3%
5-Year Change
↑ +38%
$102K - $256K
Price Range
$281K - $350K

Homes in Sterling Heights are 87% more expensive than Rockford

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$1.1K
Per year
Monthly Difference
$87.50
More take-home
Effective Rate Diff
0.7%
Rate difference

Rockford, 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

Sterling Heights, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

Additional Tax Information

Rockford, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

Sterling Heights, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

💡 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

Rockford
Sterling Heights
42 Good
Air Quality
55 Moderate
72.1%
Good Air Days
32.8%
94 Moderate
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🌪
+3.4°F
2050 Outlook
+3.1°F
10 days
Heat Days >95°F
10 days
+3.4°F
2050 Outlook
+3.1°F
10 days
Heat Days >95°F
10 days

What to Consider When Moving from Rockford, IL to Sterling Heights, MI

Relocating from Rockford, IL to Sterling Heights, MI involves more than just comparing rent prices. While the overall cost of living is about 17% lower in Sterling Heights, MI, 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 Sterling Heights, MI is 44% cheaper than in Rockford, 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 Sterling Heights, MI 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 Sterling Heights, MI to match your current standard of living in Rockford, 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 Sterling Heights, MI for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Rockford, IL vs Sterling Heights, MI

Is Sterling Heights, MI cheaper than Rockford, IL?

Yes, Sterling Heights, MI is about 17.0% cheaper than Rockford, IL. You could save approximately $1,278/month on a $150,000 salary. Housing costs are 44% lower in Sterling Heights, MI.

What salary do I need in Sterling Heights, MI to match my lifestyle in Rockford, IL?

If you currently earn $150,000 in Rockford, IL, you would need approximately $134,664 in Sterling Heights, MI 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 Rockford, IL and Sterling Heights, MI?

A two-bedroom apartment averages $921/month in Rockford, IL compared to $1,236/month in Sterling Heights, MI. One-bedroom apartments are $705/month in Rockford, IL vs $981/month in Sterling Heights, MI. 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 Rockford, IL or Sterling Heights, MI?

Groceries are about 2% cheaper in Sterling Heights, MI than in Rockford, IL, saving a typical household roughly $14.64/month on food.

What is the best time to move from Rockford, IL to Sterling Heights, MI?

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 Michigan on TaxTakeHome.com

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