Illinois vs Tennessee Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$78,947
in Illinois
$83,241
in Tennessee
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | Illinois | Tennessee | Difference |
|---|---|---|---|
| Housing | 84.3 | 82.4 | +2% |
| Groceries | 99.8 | 96.8 | +3% |
| Utilities | 99.0 | 88.1 | +12% |
| Transportation | 100.5 | 88.7 | +13% |
| Healthcare | 104.1 | 86.4 | +20% |
| Dining & Misc | 98.7 | 95.3 | +4% |
| Overall | 95.0 | 90.1 | +5% |
Index values relative to national average (100). Positive difference = more expensive in Illinois.
What things actually cost
| Item | Illinois | Tennessee | Difference |
|---|---|---|---|
| Median home price | $260,000 | $310,000 | $50,000 |
| Average 2BR rent | $1,180/mo | $1,154/mo | +$26 |
| Gas price | $3.60/gal | $3.14/gal | +$0.46 |
| Electric bill | $108/mo | $97/mo | +$12 |
| Infant childcare | $16,107/yr | $12,249/yr | +$3,858 |
Salary equivalent: Illinois → Tennessee
What a Illinois salary buys you in Tennessee, adjusted for cost of living.
| Salary in Illinois | Equivalent in Tennessee | Difference |
|---|---|---|
| $50,000 | $47,421 | +$2,579 |
| $75,000 | $71,132 | +$3,868 |
| $100,000 | $94,842 | +$5,158 |
| $150,000 | $142,263 | +$7,737 |
| $200,000 | $189,684 | +$10,316 |
Positive = your money goes further in Tennessee. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Illinois is 5% more expensive than Tennessee overall. Illinois has an index of 95 vs 90.1 for Tennessee (national average = 100).
FAQ
Is it cheaper to live in Illinois or Tennessee?
Tennessee is cheaper to live in. Illinois is 5% more expensive overall. The biggest driver is housing — median home prices are $260,000 in Illinois vs $310,000 in Tennessee.
Is Tennessee cheaper than Illinois?
Yes, Tennessee is 5% cheaper than Illinois overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Illinois more expensive than Tennessee?
Yes, Illinois is 5% more expensive than Tennessee based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Tennessee equals $100,000 in Illinois?
To maintain the same purchasing power as a $100,000 salary in Illinois, you would need approximately $94,842 in Tennessee. This is based on the overall cost-of-living index (95 vs 90.1).
How do housing costs compare between Illinois and Tennessee?
Housing is significantly cheaper in Illinois. Median home prices are $260,000 in Illinois vs $310,000 in Tennessee — a $50,000 difference. Average 2-bedroom rent is $1,180/mo vs $1,154/mo.
What costs more in Illinois vs Tennessee?
Healthcare is 20% higher in Illinois (index 104.1 vs 86.4). Transportation is 13% higher in Illinois (index 100.5 vs 88.7). Utilities is 12% higher in Illinois (index 99 vs 88.1).
Is gas cheaper in Illinois or Tennessee?
Gas averages $3.60/gallon in Illinois and $3.14/gallon in Tennessee — a $0.46 difference per gallon.
Illinois vs Tennessee cost of living — how do they compare?
Illinois has an overall cost-of-living index of 95 and Tennessee has 90.1 (national average = 100). Illinois is 5% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Illinois and Tennessee?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Use the Illinois vs Tennessee paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- Illinois Cost of Living — Housing, groceries, gas, and more
- Tennessee Cost of Living — Housing, groceries, gas, and more
- Illinois vs Tennessee Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Illinois — How much house can you afford?
- House Affordability in Tennessee — How much house can you afford?
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.