Rockford, MI vs Spring Grove, IL: Cost of Living

Which city costs less?

Spring Grove, IL has a modeled overall cost index 2.4% higher than Rockford, MI.

Rockford, MI · modeled 2BR rent: $1,670 / month
Spring Grove, IL · modeled 2BR rent: $1,510 / 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 Rockford, MI and Spring Grove, IL 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 Rockford, MI

Numbers update automatically as you type

Estimated extra cost: $152/month in Spring Grove, IL

$150,000 in your current city has a modeled equivalent of $151,822 in Spring Grove, IL

Regional cost estimates: Rockford, MI uses Milwaukee, WI. Spring Grove, IL uses Milwaukee, WI. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.4%

More expensive

Monthly Impact

$152

Extra cost

Annual Impact

$1.8K

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.

Rockford, MI

Population:6K

Cost Index:

80.7

100 = national average

Typical Home:$434K

Spring Grove, IL

Population:6K

Cost Index:

82.7

100 = national average

Typical Home:$395K

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Rockford, MI

The Great Lakes State

Population

State Tax

Yes

Located in Michigan, this city has a population of 6K residents.

Spring Grove, IL

The Prairie State

Population

State Tax

Yes

Located in Illinois, this city has a population of 6K residents.

Cost Breakdown by Category

Estimated monthly spending: Rockford, MI vs Spring Grove, IL

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	Rockford, MI	Spring Grove, IL	Difference	Change
Housing	$1,837/mo	$1,882/mo	↑ $44.56more	2.4%
Other	$1,706/mo	$1,747/mo	↑ $41.38more	2.4%
Transportation	$1,493/mo	$1,530/mo	↑ $36.23more	2.4%
Groceries	$1,081/mo	$1,094/mo	↑ $13.03more	1.2%
Healthcare	$810/mo	$820/mo	↑ $9.76more	1.2%
All Utilities	$573/mo	$580/mo	↑ $6.90more	1.2%

Housing

↑ 2.4%

Rockford, MI

$1,837

Spring Grove, IL

$1,882

Difference

$44.56

Other

↑ 2.4%

Rockford, MI

$1,706

Spring Grove, IL

$1,747

Difference

$41.38

Transportation

↑ 2.4%

Rockford, MI

$1,493

Spring Grove, IL

$1,530

Difference

$36.23

Groceries

↑ 1.2%

Rockford, MI

$1,081

Spring Grove, IL

$1,094

Difference

$13.03

Healthcare

↑ 1.2%

Rockford, MI

$810

Spring Grove, IL

$820

Difference

$9.76

All Utilities

↑ 1.2%

Rockford, MI

$573

Spring Grove, IL

$580

Difference

$6.90

🏠Rent Comparison

Studio

From$1,340

To$1,250

↓ $90.00

1 Bed

From$1,390

To$1,340

↓ $50.00

2 Bed

From$1,670

To$1,510

↓ $160

3 Bed

From$2,160

To$1,940

↓ $220

Rockford, MIZIP-level data

1BR range: $1,390–$1,390/mo

Spring Grove, ILZIP-level data

1BR range: $1,340–$1,340/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 Rockford, MI

$7,652

Monthly in Spring Grove, IL

$152

Difference

Home Values

Rockford

Spring Grove

$434K

Median Value

$395K

↑ +6.3%

YoY Change

↑ +5.7%

↑ +45.9%

5-Year Change

↑ +44.5%

Homes in Spring Grove are 9% less expensive than Rockford

Calculate payment - Rockford Calculate payment - Spring Grove

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.1K

More taxes

Monthly Difference

$87.50

Less take-home

Effective Rate Diff

0.7%

Rate difference

Rockford, 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

Spring Grove, 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

Additional Tax Information

Rockford, MI Tax Rates

Sales Tax:6.0%

Property Tax:1.4%

Spring Grove, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

💡 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

Spring Grove

43 Good

Air Quality

43 Good

68.6%

Good Air Days

68.6%

98 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.3°F

2050 Outlook

▲+3.3°F

13 days

Heat Days >95°F

13 days

▲+3.3°F

2050 Outlook

▲+3.3°F

13 days

Heat Days >95°F

13 days

Before moving from Rockford, MI to Spring Grove, IL

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

Compare actual homes. Get current quotes in Spring Grove, IL for the same bedroom count and included utilities as your home in Rockford, MI. 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 Rockford to Spring Grove moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Spring Grove, IL by cost, housing, population and region.

Frequently Asked Questions: Rockford, MI vs Spring Grove, IL

How do the cost estimates for Rockford, MI and Spring Grove, IL compare?

Spring Grove, IL has a modeled overall cost index 2.4% higher than Rockford, MI. 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 Rockford, MI, the model estimates $151,822 in Spring Grove, IL. 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 Rockford, MI and Spring Grove, IL?

The modeled two-bedroom rents are $1,670/month in Rockford, MI and $1,510/month in Spring Grove, IL. 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 Michigan and Illinois on TaxTakeHome.com

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