Moving to Illinois: The Complete Relocation Guide & Checklist

Moving to a new state can be both exciting and overwhelming, and Illinois offers a unique mix of big-city energy and small-town comfort that makes it an appealing destination for many. From Chicago’s towering skyline and cultural landmarks to the rolling farmland and close-knit communities downstate, the Prairie State presents an extraordinary balance between opportunity and quality of life.

This comprehensive relocation guide will help you navigate every aspect of your move to Illinois — from understanding the cost of living and climate to preparing your finances and settling into your new community. Whether you’re drawn by career prospects, family ties, or a change of scenery, this checklist will ensure a smooth transition into your next chapter in Illinois.

Key Takeaways

1. The Varied Cost of Living: Illinois’ overall cost of living is 10% above the U.S. average, not ~3%. This varies dramatically between Chicago and downstate communities. Housing is the primary driver of cost differences, while utilities are actually 3% lower than the national average, and groceries are about 2% higher.
2. Diverse Climate Zones: While many expect snowy winters and warm, humid summers, Illinois has long, rainy periods in Spring, Summer, and Fall, with significant temperature fluctuations. Northern Illinois experiences lake-effect snow, while southern regions have milder winters and hotter summers.
3. Economic Diversity: Illinois boasts a diverse economy with strong sectors in finance, manufacturing, agriculture, and technology. Chicago serves as a major economic hub while downstate communities offer different employment opportunities.
4. Cultural Richness: From world-class museums and theaters in Chicago to charming small towns with rich history, Illinois offers diverse cultural experiences influenced by its urban centers and rural communities.
5. Transportation Infrastructure: Illinois has excellent transportation networks including major airports, extensive highway systems, and public transit options in urban areas.

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The Pros and Cons of Living in Illinois (updated)

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I. Methodology: How We Built This Guide

Our relocation timeline and recommendations are based on a multi-factor analysis of the key elements that impact someone planning a move to Illinois. We compiled data from verified 2025 sources, including the U.S. Census Bureau, Bureau of Labor Statistics, Zillow housing market reports, FBI crime statistics, and Illinois state agencies.

Our evaluation criteria for advice and city selection are weighted as follows:

1. Housing & Affordability (30%): Analyzing median home prices, rental costs, and utility averages to provide accurate budgeting advice.
2. Access & Logistics (25%): Assessing the practicalities of moving goods and vehicles into the state, considering its central location and transportation infrastructure.
3. Legal & Administrative Requirements (20%): Outlining the essential steps for establishing residency, including vehicle registration, driver’s licensing, and voter registration.
4. Community & Lifestyle Integration (15%): Providing insights into cultural norms, community events, and tips for building a social network.
5. Economic Preparation (10%): Offering guidance on job searching and financial planning, specific to the state economy.

1. What Is It Really Like to Live in Illinois?

A. Culture & Lifestyle: Illinois offers a unique blend of urban sophistication and Midwestern charm. Chicago provides world-class cultural amenities, while smaller cities and rural areas offer tight-knit communities and towns with a variety of religious, social, and political perspectives . The state’s central location makes it a transportation hub, and its diverse population contributes to a rich cultural tapestry. Community events including county fairs, farmers’ markets, and local festivals provide newcomers with natural opportunities to integrate and experience the state’s authentic character.

B. Arts, Sports, and Entertainment: Chicago is a world-renowned cultural center, boasting institutions like the Art Institute of Chicago, Chicago Symphony Orchestra, and countless theaters and galleries. The state’s cultural scene also includes the Chicago Cubs and White Sox baseball teams, the Chicago Bears football team, the Chicago Bulls basketball team, and the Chicago Blackhawks and Chicago Wolves hockey teams. For a look at cultural life in another state, you might explore what it’s like to live in Tennessee.

C. Food Scene & Nightlife: Illinois cuisine ranges from Chicago’s famous deep-dish pizza and hot dogs to farm-to-table dining in rural areas. The state’s agricultural heritage provides access to fresh produce, with corn in abundance, while Chicago’s diverse neighborhoods offer international cuisine. Nightlife varies from Chicago’s vibrant club scene to cozy local pubs in smaller towns.

D. Outdoor Recreation & Natural Beauty: Outdoor recreation opportunities abound throughout Illinois, from Lake Michigan beaches to state parks and forest preserves.

• State Parks & Natural Areas: Starved Rock State Park, Shawnee National Forest, and the Mississippi River bluffs offer opportunities for individuals and families to go hiking, go camping, and enjoy Illinois’ scenic beauty.
• Lake Michigan Access: Chicago’s lakefront provides beaches, parks, and recreational opportunities that appeal to nature enthusiasts of all kinds. Lake Michigan is best to swim in during the Summer, but parks and forest preserves can be enjoyed for the majority of the year..
• Fishing & Hunting: Illinois offers excellent fishing in its many lakes and rivers, as well as hunting opportunities for deer, turkey, and waterfowl. Adults 18 and over are required to have a fishing license, which can be bought at hardware stores.
• Trails & Greenways: Extensive trail systems provide opportunities for biking, hiking, and nature observation. Trails in forest preserves offer opportunities to feel connected to nature and stay active.

E. Climate: Illinois has a humid continental climate with four distinct seasons:

• Northern Illinois (Chicago, Rockford):  Northern Illinois has long rainy seasons during transitions between seasons and temperature fluctuations of 30 degrees, and one month can have temperatures associated with hot Summers, and also have temperatures associated with Winters. It’s important to prepare for all kinds of weather and temperatures, especially during the Summer and Fall. Lake-effect snow can be significant near Lake Michigan.
• Central Illinois (Springfield, Peoria): Central Illinois typically has moderate winters with average temperatures 25-35°F, and warm summers with average temperatures ranging from 75-85°F.
• Southern Illinois (Carbondale, Marion): Southern Illinois typically has milder winters with average temperatures ranging from 30-40°F, and hot, humid summers with average temperatures ranging from 80-90°F.

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2. Cost of Living & Affordability

Illinois’ affordability varies significantly between regions. Let’s break down the costs.

A. Housing Market

Housing costs vary dramatically by city and region.

B. Daily Expenses

3. Jobs & Economy

Illinois’ economy is driven by several key sectors:

1. Finance & Business Services: Chicago is a global financial center with major banks, insurance companies, and professional services firms.
2. Manufacturing: Illinois has a strong manufacturing base, particularly in machinery, food processing, and chemicals.
3. Agriculture: Leading producer of corn, soybeans, and pork, with significant agribusiness.
4. Technology: Growing tech sector with startups and established companies in Chicago and other urban centers.
5. Healthcare & Education: Major medical centers and universities provide stable employment throughout the state.

4. Planning Your Move: A Timeline

A successful move to Illinois requires planning, especially if coming from a great distance.

=> Get the Relocation Guide & Checklist PDF — prepared for both Desktop and Mobile devices.

5. Transportation

1. Driving: I-55, I-57, I-64, I-70, I-80, I-90, and I-94 provide excellent interstate access throughout the state. The Illinois Tollway system requires an I-PASS for electronic toll collection.
2. Flying: Chicago O’Hare International Airport (ORD) and Chicago Midway International Airport (MDW) are major hubs. Smaller airports in Springfield, Peoria, and other cities offer connecting flights.
3. Public Transit: Chicago has an extensive public transportation system including the ‘L’ train and bus network. Other cities have limited public transit options.
4. Rail Service: Amtrak provides passenger rail service throughout Illinois with major routes connecting Chicago to other cities.

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7 Most Affordable Places to Live in Illinois

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6. Legal Requirements & Paperwork

New residents must complete several tasks:

1. Vehicle Registration: Required within 30 days of establishing residency. You will need your out-of-state title, proof of Illinois insurance, and a VIN inspection.
2. Driver’s License: Required within 90 days. You must surrender your previous license. You will need proof of identity, residency, and your Social Security Number.
3. Voter Registration:  You can register to vote when applying for your driver’s license or online.
4. Other: If you plan to hunt or fish, you will need to purchase a state license, which can be done at a local hardware store.

7. Financial Planning

Create a realistic budget that accounts for moving expenses (moving truck or pod rental, travel). Keep housing expenditures below 30% of your income. Build a healthy emergency fund (3-6 months’ worth of funds) due to the state’s economic variability. Be aware of Illinois’ relatively high property taxes, particularly in the Chicago area. Consider consulting with a financial advisor familiar with Illinois tax laws.

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7 Key Factors to Know About Living in Chicago, Illinois

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8. Insider Tips from the Locals

1. Embrace the Seasons: Illinois has variable temperatures and fluctuations that can be intense to deal with. Invest in quality winter gear such as rock salt, large shovels or a snowblower, and tarps to protect plants during the Winter Season. Take a chance and try some seasonal activities!
2. Get an I-PASS: The electronic toll collection system saves time and money on Illinois tollways.
3. Explore Beyond Chicago: While Chicago offers world-class amenities, downstate Illinois has charming communities, natural beauty, and lower costs of living. Visit Springfield to see Abraham Lincoln’s preserved home and take a tour.
4. Learn Winter Driving: If moving from a warmer climate, practice driving in snow and ice conditions, and prepare for black ice. Ensure you learn how to stay safe in a vehicle in icy conditions, and drive at least ten miles under the speed limit during heavy snow.
5. Support Local: Farmers’ markets and local businesses are the heart of many communities. Support them for the best produce and unique goods. Many suburban communities have regular farmer’s markets that can be fun for whole families to attend. These are usually held in the afternoons to early evenings.

Conclusion

Moving to Illinois offers the opportunity to experience both urban sophistication and traditional Midwestern values. The state’s diverse economy, cultural amenities, and central location make it an attractive destination for many. While costs vary significantly between regions, careful planning and research can help you find the right community for your budget and lifestyle. With thorough preparation and an open mind, your relocation to Illinois can be the start of a rewarding new chapter. For those considering other options, our guide on moving to Colorado might provide an interesting comparison.

Frequently Asked Questions About Moving to Illinois

1. What is the first step to moving to Illinois? The absolute first step is to secure a job and housing. While downstate Illinois is affordable, the Chicago area can be expensive. Making sure to secure these will make your transition smooth.

2. Should I drive or ship my car to Illinois? Driving is almost always the most convenient and cost-effective option. Illinois is easily accessible via major interstates. Shipping a car can be expensive and is generally unnecessary unless you are moving from an extremely far distance and cannot drive.

3. How do I get my belongings to Illinois? For large moves, using a national moving company or renting a truck is common. Pod-like services are also readily available. For smaller loads, using a freight service or driving a rented trailer can be a cost-effective solution.

4. What should I pack vs. buy there? Bring all essential documents like different forms of identification, specialized gear for the Winter months, and personal items. Everyday household items, furniture, and bulky goods are better purchased in Illinois to avoid high moving costs. You can find great deals at local stores or on Facebook Marketplace once you arrive.

5. Is it hard to make friends in Illinois? Generally, no. Illinois residents are famously friendly and welcoming to newcomers who show respect for the local culture. Join community groups, recreational sports leagues, volunteer, or take a class to meet people quickly. Showing up to local events is the fastest way to integrate.

6. What are the property taxes like in Illinois? Property taxes in Illinois are among the highest in the nation, particularly in the Chicago metropolitan area. Be sure to research specific tax rates in your chosen community as they can vary significantly between counties and municipalities.

7. How is the job market outside of Chicago? While Chicago dominates the state’s economy, other regions offer opportunities in healthcare, education, manufacturing, and agriculture. Research specific industries in your target area and network with local professionals.

8. What should I know about Illinois winters? Northern Illinois experiences cold, snowy winters with potential for significant snowfall, usually starting in January and continuing through March, especially near Lake Michigan. Southern Illinois has milder winters. Invest in quality winter clothing, learn winter driving skills, and prepare your home for cold weather. Items such as heated blankets can be a worthwhile investment.

9. Are there good educational opportunities in Illinois? Illinois has excellent educational institutions including the University of Illinois system, Northwestern University, University of Chicago, and many community colleges and technical schools. Public school quality varies by district, so research specific schools in your area if you have children who will be attending the local schools.

10. What recreational activities are available? Illinois offers diverse recreational opportunities, from Chicago’s cultural attractions and lakefront activities to outdoor recreation in state parks, fishing and hunting, and community events throughout the state. The variety ensures there’s something for every interest and lifestyle.