Villa Park, IL vs South Elgin, IL: Cost of Living

Which city costs less?

South Elgin, IL has a modeled overall cost index 0.6% lower than Villa Park, IL.

Villa Park, IL · modeled 2BR rent: $2,010 / month
South Elgin, IL · modeled 2BR rent: $2,090 / 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

Adjust your income and compare the budget ↓

Tap to swap

Cost of Living Comparison 2026

Compare Villa Park, IL and South Elgin, 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 Villa Park, IL

Numbers update automatically as you type

Estimated savings: $41.40/month in South Elgin, IL

$150,000 in your current city has a modeled equivalent of $149,503 in South Elgin, IL

Regional cost estimates: Villa Park, IL uses Chicago, IL. South Elgin, IL uses Chicago, IL. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 0.6%

Less expensive

Monthly Impact

$41.40

Savings

Annual Impact

$497

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.

Villa Park, IL

Population:22K

Cost Index:

96.7

100 = national average

Typical Home:$346K

South Elgin, IL

Population:24K

Cost Index:

96.1

100 = national average

Typical Home:$357K

Planning the move to South Elgin?

Organize packing, address changes, and moving-day tasks with a free checklist. Your progress saves in this browser. No account needed.

Plan my move with the free checklist

Villa Park, IL

The Prairie State

22K

Population

State Tax

Yes

Located in Illinois, this city has a population of 22K residents.

South Elgin, IL

The Prairie State

24K

Population

State Tax

Yes

Located in Illinois, this city has a population of 24K residents.

Cost Breakdown by Category

Estimated monthly spending: Villa Park, IL vs South Elgin, 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	Villa Park, IL	South Elgin, IL	Difference	Change
Housing	$2,446/mo	$2,430/mo	↓ $15.58less	0.6%
Other	$1,558/mo	$1,548/mo	↓ $9.93less	0.6%
Transportation	$1,489/mo	$1,479/mo	↓ $9.49less	0.6%
Groceries	$964/mo	$961/mo	↓ $3.08less	0.3%
Healthcare	$557/mo	$555/mo	↓ $1.78less	0.3%
All Utilities	$486/mo	$485/mo	↓ $1.55less	0.3%

Housing

↓ 0.6%

Villa Park, IL

$2,446

South Elgin, IL

$2,430

Difference

$15.58

less

Other

↓ 0.6%

Villa Park, IL

$1,558

South Elgin, IL

$1,548

Difference

$9.93

less

Transportation

↓ 0.6%

Villa Park, IL

$1,489

South Elgin, IL

$1,479

Difference

$9.49

less

Groceries

↓ 0.3%

Villa Park, IL

$964

South Elgin, IL

$961

Difference

$3.08

less

Healthcare

↓ 0.3%

Villa Park, IL

$557

South Elgin, IL

$555

Difference

$1.78

less

All Utilities

↓ 0.3%

Villa Park, IL

$486

South Elgin, IL

$485

Difference

$1.55

less

🏠Rent Comparison

Studio

From$1,670

To$1,740

↑ $70.00

1 Bed

From$1,780

To$1,860

↑ $80.00

2 Bed

From$2,010

To$2,090

↑ $80.00

3 Bed

From$2,590

To$2,690

↑ $100

Villa Park, ILZIP-level data

1BR range: $1,780–$1,780/mo

South Elgin, ILZIP-level data

1BR range: $1,860–$1,860/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 Villa Park, IL

$7,459

Monthly in South Elgin, IL

$41.40

Difference

Home Values

Villa Park

South Elgin

$346K

Median Value

$357K

↑ +6.5%

YoY Change

↑ +3.4%

↑ +34.7%

5-Year Change

↑ +39.4%

Homes in South Elgin are 3% more expensive than Villa Park

Calculate payment - Villa Park Calculate payment - South Elgin

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Villa Park, 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

South Elgin, 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

Villa Park, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

South Elgin, 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

Villa Park

South Elgin

54 Moderate

Air Quality

54 Moderate

35.8%

Good Air Days

35.8%

100 Very High

Climate Risk

100 Very High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+3.2°F

2050 Outlook

▲+3.2°F

18 days

Heat Days >95°F

18 days

▲+3.2°F

2050 Outlook

▲+3.2°F

18 days

Heat Days >95°F

18 days

Before moving from Villa Park, IL to South Elgin, IL

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

Compare actual homes. Get current quotes in South Elgin, IL for the same bedroom count and included utilities as your home in Villa Park, 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 Villa Park to South Elgin moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Villa Park, IL vs South Elgin, IL

How do the cost estimates for Villa Park, IL and South Elgin, IL compare?

South Elgin, IL has a modeled overall cost index 0.6% lower than Villa Park, 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 Villa Park, IL, the model estimates $149,503 in South Elgin, 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 Villa Park, IL and South Elgin, IL?

The modeled two-bedroom rents are $2,010/month in Villa Park, IL and $2,090/month in South Elgin, 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.