Willow Springs, IL vs Circle Pines, MN: Cost of Living

Which city costs less?

Circle Pines, MN has a modeled overall cost index 2.1% higher than Willow Springs, IL.

Willow Springs, IL · modeled 2BR rent: $1,780 / month
Circle Pines, MN · modeled 2BR rent: $1,840 / 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 Willow Springs, IL and Circle Pines, 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 Willow Springs, IL

Numbers update automatically as you type

Estimated savings: $136/month in Circle Pines, MN

$150,000 in your current city has a modeled equivalent of $148,368 in Circle Pines, MN

Regional cost estimates: Willow Springs, IL uses Chicago, IL. Circle Pines, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.1%

More expensive

Monthly Impact

$136

Savings

Annual Impact

$1.6K

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.

Willow Springs, IL

Population:6K

Cost Index:

93.6

100 = national average

Typical Home:$361K

Circle Pines, MN

Population:5K

Cost Index:

95.6

100 = national average

Typical Home:$364K

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Willow Springs, IL

The Prairie State

Population

State Tax

Yes

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

Circle Pines, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 5K residents.

Cost Breakdown by Category

Estimated monthly spending: Willow Springs, IL vs Circle Pines, 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	Willow Springs, IL	Circle Pines, MN	Difference	Change
Transportation	$1,482/mo	$1,280/mo	↓ $203less	13.7%
Housing	$2,435/mo	$2,256/mo	↓ $179less	7.3%
Healthcare	$564/mo	$735/mo	↑ $171more	30.3%
Other	$1,551/mo	$1,599/mo	↑ $48.38more	3.1%
Groceries	$976/mo	$1,001/mo	↑ $24.68more	2.5%
All Utilities	$492/mo	$494/mo	↑ $1.82more	0.4%

Transportation

↓ 13.7%

Willow Springs, IL

$1,482

Circle Pines, MN

$1,280

Difference

$203

less

Housing

↓ 7.3%

Willow Springs, IL

$2,435

Circle Pines, MN

$2,256

Difference

$179

less

Healthcare

↑ 30.3%

Willow Springs, IL

$564

Circle Pines, MN

$735

Difference

$171

Other

↑ 3.1%

Willow Springs, IL

$1,551

Circle Pines, MN

$1,599

Difference

$48.38

Groceries

↑ 2.5%

Willow Springs, IL

$976

Circle Pines, MN

$1,001

Difference

$24.68

All Utilities

↑ 0.4%

Willow Springs, IL

$492

Circle Pines, MN

$494

Difference

$1.82

🏠Rent Comparison

Studio

From$1,480

To$1,340

↓ $140

1 Bed

From$1,580

To$1,510

↓ $70.00

2 Bed

From$1,780

To$1,840

↑ $60.00

3 Bed

From$2,290

To$2,440

↑ $150

Willow Springs, ILZIP-level data

1BR range: $1,580–$1,580/mo

Circle Pines, MNZIP-level data

1BR range: $1,510–$1,510/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 Willow Springs, IL

$7,364

Monthly in Circle Pines, MN

$136

Difference

Home Values

Willow Springs

Circle Pines

$361K

Median Value

$364K

↑ +5.2%

YoY Change

↑ +2.3%

↑ +33.7%

5-Year Change

↑ +22.3%

Homes in Circle Pines are 1% more expensive than Willow Springs

Calculate payment - Willow Springs Calculate payment - Circle Pines

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

Willow Springs, 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

Circle Pines, 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

Willow Springs, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Circle Pines, 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

Willow Springs

Circle Pines

54 Moderate

Air Quality

36 Good

35.8%

Good Air Days

72.4%

100 Very High

Climate Risk

95 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.7°F

18 days

Heat Days >95°F

14 days

▲+3.2°F

2050 Outlook

▲+3.7°F

18 days

Heat Days >95°F

14 days

Before moving from Willow Springs, IL to Circle Pines, MN

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

Compare actual homes. Get current quotes in Circle Pines, MN for the same bedroom count and included utilities as your home in Willow Springs, 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 Willow Springs to Circle Pines moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Willow Springs, IL vs Circle Pines, MN

How do the cost estimates for Willow Springs, IL and Circle Pines, MN compare?

Circle Pines, MN has a modeled overall cost index 2.1% higher than Willow Springs, 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 Willow Springs, IL, the model estimates $148,368 in Circle Pines, 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 Willow Springs, IL and Circle Pines, MN?

The modeled two-bedroom rents are $1,780/month in Willow Springs, IL and $1,840/month in Circle Pines, 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