Illinois vs Virginia Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$78,947
in Illinois
$73,386
in Virginia
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 | Virginia | Difference |
|---|---|---|---|
| Housing | 84.3 | 106.7 | -21% |
| Groceries | 99.8 | 99.7 | 0% |
| Utilities | 99.0 | 97.5 | +2% |
| Transportation | 100.5 | 95.5 | +5% |
| Healthcare | 104.1 | 107.6 | -3% |
| Dining & Misc | 98.7 | 101.5 | -3% |
| Overall | 95.0 | 102.2 | -7% |
Index values relative to national average (100). Positive difference = more expensive in Illinois.
What things actually cost
| Item | Illinois | Virginia | Difference |
|---|---|---|---|
| Median home price | $260,000 | $380,000 | $120,000 |
| Average 2BR rent | $1,180/mo | $1,494/mo | $314 |
| Gas price | $3.60/gal | $3.32/gal | +$0.28 |
| Electric bill | $108/mo | $94/mo | +$14 |
| Infant childcare | $16,107/yr | $14,277/yr | +$1,830 |
Salary equivalent: Illinois → Virginia
What a Illinois salary buys you in Virginia, adjusted for cost of living.
| Salary in Illinois | Equivalent in Virginia | Difference |
|---|---|---|
| $50,000 | $53,789 | $-3,789 |
| $75,000 | $80,684 | $-5,684 |
| $100,000 | $107,579 | $-7,579 |
| $150,000 | $161,368 | $-11,368 |
| $200,000 | $215,158 | $-15,158 |
Positive = your money goes further in Virginia. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
Virginia is 7% more expensive than Illinois overall. Virginia has an index of 102.2 vs 95 for Illinois (national average = 100).
FAQ
Is it cheaper to live in Illinois or Virginia?
Illinois is cheaper to live in. Virginia is 7% more expensive overall. The biggest driver is housing — median home prices are $260,000 in Illinois vs $380,000 in Virginia.
Is Illinois cheaper than Virginia?
Yes, Illinois is 7% cheaper than Virginia overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is Virginia more expensive than Illinois?
Yes, Virginia is 7% more expensive than Illinois based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Virginia equals $100,000 in Illinois?
To maintain the same purchasing power as a $100,000 salary in Illinois, you would need approximately $107,579 in Virginia. This is based on the overall cost-of-living index (95 vs 102.2).
How do housing costs compare between Illinois and Virginia?
Housing is significantly cheaper in Illinois. Median home prices are $260,000 in Illinois vs $380,000 in Virginia — a $120,000 difference. Average 2-bedroom rent is $1,180/mo vs $1,494/mo.
What costs more in Illinois vs Virginia?
Housing is 21% lower in Illinois (index 84.3 vs 106.7). Transportation is 5% higher in Illinois (index 100.5 vs 95.5). Healthcare is 3% lower in Illinois (index 104.1 vs 107.6).
Is gas cheaper in Illinois or Virginia?
Gas averages $3.60/gallon in Illinois and $3.32/gallon in Virginia — a $0.28 difference per gallon.
Illinois vs Virginia cost of living — how do they compare?
Illinois has an overall cost-of-living index of 95 and Virginia has 102.2 (national average = 100). Virginia is 7% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between Illinois and Virginia?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Use the Illinois vs Virginia 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
- Virginia Cost of Living — Housing, groceries, gas, and more
- Illinois vs Virginia Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in Illinois — How much house can you afford?
- House Affordability in Virginia — 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.