Spring Grove, IL vs Chisago City, MN: Cost of Living

Which city costs less?

Chisago City, MN has a modeled overall cost index 15.7% higher than Spring Grove, IL.

Spring Grove, IL · modeled 2BR rent: $1,510 / month
Chisago City, MN · modeled 2BR rent: $1,520 / 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 Spring Grove, IL and Chisago City, 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 Spring Grove, IL

Numbers update automatically as you type

Estimated extra cost: $981/month in Chisago City, MN

$150,000 in your current city has a modeled equivalent of $161,768 in Chisago City, MN

Regional cost estimates: Spring Grove, IL uses Milwaukee, WI. Chisago City, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 15.7%

More expensive

Monthly Impact

$981

Extra cost

Annual Impact

$11.8K

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.

Spring Grove, IL

Population:6K

Cost Index:

82.7

100 = national average

Typical Home:$395K

Chisago City, MN

Population:6K

Cost Index:

95.7

100 = national average

Typical Home:$417K

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Spring Grove, IL

The Prairie State

Population

State Tax

Yes

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

Chisago City, MN

The North Star State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Spring Grove, IL vs Chisago City, 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	Spring Grove, IL	Chisago City, MN	Difference	Change
Housing	$1,844/mo	$2,598/mo	↑ $754more	40.9%
Other	$1,713/mo	$1,842/mo	↑ $129more	7.6%
Groceries	$1,072/mo	$1,152/mo	↑ $79.59more	7.4%
Healthcare	$803/mo	$846/mo	↑ $42.58more	5.3%
Transportation	$1,499/mo	$1,474/mo	↓ $25.54less	1.7%
All Utilities	$568/mo	$569/mo	↑ $0.69more	0.1%

Housing

↑ 40.9%

Spring Grove, IL

$1,844

Chisago City, MN

$2,598

Difference

$754

Other

↑ 7.6%

Spring Grove, IL

$1,713

Chisago City, MN

$1,842

Difference

$129

Groceries

↑ 7.4%

Spring Grove, IL

$1,072

Chisago City, MN

$1,152

Difference

$79.59

Healthcare

↑ 5.3%

Spring Grove, IL

$803

Chisago City, MN

$846

Difference

$42.58

Transportation

↓ 1.7%

Spring Grove, IL

$1,499

Chisago City, MN

$1,474

Difference

$25.54

less

All Utilities

↑ 0.1%

Spring Grove, IL

$568

Chisago City, MN

$569

Difference

$0.69

🏠Rent Comparison

Studio

From$1,250

To$1,100

↓ $150

1 Bed

From$1,340

To$1,250

↓ $90.00

2 Bed

From$1,510

To$1,520

↑ $10.00

3 Bed

From$1,940

To$2,020

↑ $80.00

Spring Grove, ILZIP-level data

1BR range: $1,340–$1,340/mo

Chisago City, MNZIP-level data

1BR range: $1,250–$1,250/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 Spring Grove, IL

$8,481

Monthly in Chisago City, MN

$981

Difference

Home Values

Spring Grove

Chisago City

$395K

Median Value

$417K

↑ +5.7%

YoY Change

↑ +1.7%

↑ +44.5%

5-Year Change

↑ +24.7%

Homes in Chisago City are 6% more expensive than Spring Grove

Calculate payment - Spring Grove Calculate payment - Chisago City

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

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

Chisago City, 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

Spring Grove, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Chisago City, 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

Spring Grove

Chisago City

43 Good

Air Quality

36 Good

68.6%

Good Air Days

72.4%

98 High

Climate Risk

95 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.3°F

2050 Outlook

▲+3.7°F

13 days

Heat Days >95°F

14 days

▲+3.3°F

2050 Outlook

▲+3.7°F

13 days

Heat Days >95°F

14 days

Before moving from Spring Grove, IL to Chisago City, MN

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

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

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

Frequently Asked Questions: Spring Grove, IL vs Chisago City, MN

How do the cost estimates for Spring Grove, IL and Chisago City, MN compare?

Chisago City, MN has a modeled overall cost index 15.7% higher than Spring Grove, 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 Spring Grove, IL, the model estimates $161,768 in Chisago City, 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 Spring Grove, IL and Chisago City, MN?

The modeled two-bedroom rents are $1,510/month in Spring Grove, IL and $1,520/month in Chisago City, 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

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