The Pros and Cons of Living in Illinois

Relocating to a new state requires careful consideration of both the state as a whole and the specific community you’ll join. If you’re considering Illinois, you’ll find a state home to vibrant cities, charming small towns, and a diverse mix of cultures, beliefs, and landscapes. The Prairie State offers options for all ages, budgets, family situations, and priorities.

This article presents the pros and cons of living in Illinois, including the best cities for various demographic groups. We’ll provide insights to ease your moving process and help you find your perfect Illinois home. From the skyscrapers of Chicago to its rolling farmland, Illinois’ nearly 12.8 million residents enjoy lifestyles shaped by geography, climate, economy, and their local cultures. Whether you’re drawn by its urban amenities, its educational opportunities, or the state’s central location, understanding Illinois’ advantages and challenges is essential before making your move.

Related article

7 Key Factors to Know About Living in Chicago, Illinois

Before you consider a move to Chicago, you should consider 7 key factors that will increase your appreciation for the city and guide you to the right neighborhoods and activities for you…

Pros

1. Different Seasons: For those looking to experience different seasons, Illinois is the place to be. The state is known for both its lengthy Summers and Winters (Funk & Wagnalls New World Encyclopedia). This variety allows for a wide range of outdoor activities-from boating and hiking in the summer to ice skating and skiing in the winter.
2. Central Location and Transportation Hub: Illinois is a major transportation crossroads for the nation. Chicago offers two airports through its Department of Aviation, Midway International and O’Hare International Airport (Badertscher). The state’s extensive highway and rail networks make travel easy throughout the Midwest and beyond. This central location is ideal for business, travel, and logistics.
3. Economic Diversity and Job Opportunities: Illinois’ economy is valued at more than $1.1 trillion (Pritzker), and is diverse with strengths in agriculture, particularly in growing corn, soybeans, pumpkins, hay, and wheat, as well as in rearing hogs and cattle. Its other strengths include cleaning and purification of food, production of machines and machine equipment, and financial and business support (Badertscher).  The city of Chicago is home to more than 30 Fortune 500 companies, including Boeing, McDonald’s, and Walgreens. The state’s “Silicon Prairie” is emerging as a tech hub, while the agricultural sector remains robust in rural areas. As of early 2025, there were 286,000 job openings in Illinois, reflecting the state’s dynamic labor market.
4. World-Class Urban Amenities: Chicago is full of things to do and places to visit, including top-tier museums, theaters, shopping, and dining. The city is renowned for its architecture, sports teams, and vibrant nightlife. Other Illinois cities, such as Naperville and Evanston, provide suburban comfort with easy access to big-city amenities.
   
   

   

   Related article

   The 11 Best Places to Live in Illinois

   In this article, we will explore the best rural areas to live in and the best urban communities in Illinois. From the rolling hills of Galena to the vibrant neighborhoods of Chicago, we’ll be your guide to the top places to live in the state…

    

5. Strong Education System: Illinois is home to prestigious universities, including the University of Chicago, Northwestern University, and the University of Illinois at Urbana-Champaign. The Illinois Community College System offers students excellent workforce training and transfer degrees without breaking the bank, and enrollment in Illinois community colleges grew significantly in Spring 2023 (Illinois Community College Board). Many suburban public school districts rank among the nation’s best, with high graduation rates and strong test scores.
6. Cultural Diversity: Illinois’s population is a tapestry of cultures throughout the state, reflected in its neighborhoods, festivals, and food scene. Chicago, in particular, is known for its international communities and vibrant arts scene.
7. Abundant Recreation and Natural Beauty: Despite common jokes that Illinois is nothing but corn, Illinois offers over 60 state parks, scenic lakes, and rivers for boating, fishing, hiking, and camping. The state’s four seasons provide year-round opportunities for outdoor activities, from summer festivals to winter sports. It must be noted that fishing for sport requires a license and must only be done for recreational purposes, as Illinois values protecting its wildlife (Illinois Register).
8. Sports Culture: Illinois is a haven for sportsfans, with major league teams in baseball, football, basketball, and hockey. College sports also have a passionate following, and local high school athletics are a community staple, with local stores selling merchandise to support their high school teams.
9. Affordable Cost of Living (Outside Chicago): While Chicago’s cost of living is higher than the national average, much of Illinois is considered affordable. The median home price statewide is around $357,138 as of January 2025, significantly less than the nation’s median of $446,300.
10. Rich History: Illinois is steeped in history, from Abraham Lincoln’s legacy in Springfield to the architectural landmarks of Chicago. History buffs will find plenty to explore, including museums, historic sites, and preserved small towns. One can visit preserved historic sites intertwined with his legacy in New Salem in addition to Springfield. Another fascinating historic site to visit is the Cahokia Mounds, an Indigenous site (Badertscher).

Related article

What to Know About Parking in Chicago, Illinois

Drivers need to know which options are available, what the rules and regulations say about parking, and where to go when traveling with a car. Knowing these things will mitigate any potential issues that arise. Luckily, Chicago has many options for people who know where to look…

Cons

1. High Taxes: Illinois residents face some of the highest property taxes in the nation, with an average rate of 2.07%- nearly double the U.S. average. Over the course of three years, Chicago residents have had a collective increase of almost $2 billion in property taxes due to tax cuts on businesses (PR Newswire). The state income tax is a flat 4.95%, and combined sales taxes can exceed 10% in some areas, especially in Chicago.
2. Harsh Winters and Weather Extremes: The weather in Illinois tends to fluctuate daily because there are no natural structures to direct the wind. Rainfall can vary from around 32 in. in Northwestern Illinois to 48 in Southern Illinois (Funk and Wagnalls). Northern and central Illinois experience frigid temperatures, heavy snowfall, and icy winds from December through March. Tornadoes are a risk in central and southern regions, while river flooding can occur in spring.
3. High Cost of Living: The city of Chicago’s cost of living is 15% higher than the national average, with expensive housing, utilities, and transportation. The average rent in Chicago is significantly higher than the state average, and everyday expenses like groceries and healthcare also cost more. However, inflation throughout the state has made workers in other areas require significant income hikes to afford everyday expenses.
4. Traffic and Infrastructure Challenges: Chicago is notorious for its traffic congestion, especially during rush hours and winter storms. Roads, bridges, and public transit systems need repair, particularly in older urban and rural areas. Suburban areas tend to have regular construction in the warmer months, which is often a hassle to navigate through.
   
   

   Related article

   The 9 Best Places to Live in Indiana in 2025

   When young professionals are looking for a place to settle down, Indiana is often overlooked. The “Hoosier State” can sometimes take a back seat to places like Texas, New York, and California. But with a diverse economy, friendly citizens, good education, and a multitude of lovely cities and towns, Indiana has a lot to offer…

   
   
5. Crime and Safety Concerns: Some neighborhoods in Chicago and other cities report higher-than-average rates of violent and property crime. Industrial activity and traffic contribute to air pollution in city areas, especially during summer.
6. State Budget and Pension Issues: Illinois faces a significant budget deficit and an underfunded pension system, leading to cuts in public services and concerns about long-term economic health. However, over the course of his position as Governor, J. B. Pritzker has helped the state to get rid of over $12 billion of its debt and pensions funded (Pritzker). 
7. Population Decline and Economic Disparities: Some rural and small-town areas are experiencing population decline due to limited job opportunities and younger residents moving away. While there are strong sectors, industries like manufacturing and agriculture have seen declines, limiting opportunities in some regions.
8. Public School Quality Varies: While some suburbs have top-rated schools, others, especially in rural or low-income areas, suffer from underfunding and lower performance. These disparities in public education are being addressed, with progress noted in increased academic proficiency and graduation rates of marginalized students (Advance Illinois).
9. Environmental and Health Concerns: Humid summers bring mosquitoes, ticks, and other pests. Tornadoes, flooding, and, rarely, earthquakes pose risks in certain areas.
10. Political Polarization: Chicago leans liberal, while rural areas and several counties are more conservative, leading to political tension and polarization on state and national issues.

Cost of Living in Illinois

Statewide Overview

• Overall Cost of Living: 8–10% lower than the national average, but this varies widely by region.
• Housing: Median home price is $357,138 (January 2025), up 2.6% from the previous year but still well below the national median.
• Rent: Average rent in Illinois is $1,179, with higher costs in Chicago and affluent suburbs.
• Utilities: 3% lower than the national average.
• Groceries: 2% higher than the national average.
• Healthcare: 4% higher than the national average.
• Transportation: 7% higher than the national average.
• Goods & Services: 5% higher than the national average.

City-by-City Comparison

Typical Household Expenses

Related article

7 Most Affordable and Safe Places to Live in Kentucky

Kentucky is ranked 7th in low violent crime rates and public safety. If you want a place that combines safety and affordability, your old Kentucky home may be for you. Knowing that we decided to look at seven affordable and safe places to live…

Best Cities to Live in Illinois for Young Professionals

The following cities have vibrant communities with employment opportunities, cultural amenities, and relatively affordable housing options, making them ideal for young professionals starting their careers.

1. Aurora

Aurora provides its residents with affordable housing, a growing job market, and access to cultural amenities. The city’s revitalized downtown area, riverfront parks, and closeness to Chicago attract young professionals seeking both value and opportunity.

2. Evanston

Evanston is home to Northwestern University and offers a vibrant arts scene, diverse dining options, and lakefront recreation. The city’s walkable downtown area, historic architecture, and access to Chicago make it popular with both young professionals and academics.

3. Chicago

Chicago offers young professionals access to a dynamic job market, world-class dining, several entertainment options, and a wonderful arts scene. The city’s diverse neighborhoods-from the Loop to River North and Wicker Park-provide options for every lifestyle. Major employers include Fortune 500 companies, tech startups, and healthcare institutions. Public transportation is extensive, though traffic and parking can be challenging. Chicago’s sports culture, lakefront parks, and nightlife make it a top choice for professionals seeking urban excitement.

4. Naperville

Naperville combines suburban comfort with urban amenities, offering top-rated schools, family-friendly neighborhoods, and a strong job market. The city’s downtown area features shops, restaurants, and riverwalk trails. Its  proximity to Chicago provides additional employment and entertainment options, and its  local parks and community events foster a high quality of life.

Best Places to Live in Illinois for Families with Young Kids

The following cities offer excellent school systems, family-friendly amenities, safe neighborhoods, and community resources that make them ideal for families with children.

1. Glenview

Glenview combines suburban charm with access to top schools and recreational facilities. The city’s parks, community centers, and family events make it attractive to families seeking a supportive environment.

2. Buffalo Grove

Buffalo Grove is beloved for its  highly rated schools, well-maintained parks, and a diverse, welcoming community. The city’s family-friendly amenities and low crime rate make it a popular choice for families.

3. Wheaton

Wheaton is known for its excellent schools, safe neighborhoods, and community-oriented atmosphere. The city’s parks, libraries, and family programs support a high quality of life for residents with young children.

4. Naperville

Naperville is consistently ranked among the best places to raise a family in the U.S. The city offers top-rated public schools, extensive parks and recreation facilities, and a strong sense of community for its residents. Family-friendly events, safe neighborhoods, and access to healthcare make Naperville a top choice for families.

Related article

The Pros and Cons of Living in Kentucky

Whether you’re looking for exciting city life, suburbs to raise a family, or a little R&R in the countryside, Kentucky has something to offer everyone. It’s an affordable, friendly place with beautiful scenery, picturesque bourbon distilleries, and historical sites…

Best Places to Retire in Illinois

The following cities offer appealing retirement lifestyles with quality healthcare, recreational opportunities, reasonable cost of living, and amenities suited to seniors seeking active, comfortable living.

1. Carbondale

Carbondale is home to Southern Illinois University and offers retirees a college-town atmosphere, affordable living, and access to healthcare. The nearby Shawnee National Forest provides abundant outdoor recreation.

2. Rockford

Rockford offers retirees affordable housing, access to healthcare, and recreational opportunities along the Rock River. The city’s museums, gardens, and community events cater to a variety of interests. It’s a town with something for everyone.

3. Springfield

Springfield, the state capital, offers retirees affordable living, historic attractions to visit, and access to healthcare. The city’s parks, museums, and community events provide opportunities for an active retirement.

4. Bloomington

Bloomington features a strong healthcare system, cultural amenities, and a low cost of living. The city’s parks, golf courses, and community centers support an active lifestyle for seniors.

Related article

10 Most Affordable Places to Live in Iowa

We started with the top 30 towns in Iowa by population—those with at least 15,000 residents. Then we ruled out those whose populations had fallen over the last 10 years, using population growth as a proxy measure for desirability. Finally, we chose those with the lowest median list price for homes…

Illinois Lifestyle: Arts, Food, and Recreation

1. Arts and Entertainment

At the epicenter of Illinois’s cultural dynamism is the Chicago art scene, home to world-class theaters, museums, and music venues. The Art Institute of Chicago, the Chicago Symphony Orchestra, and the Lyric Opera are renowned for their excellence. The city has a vibrant comedy scene, legendary comedians have called home, and historic venues like the Chicago Theatre and the United Center draw top-tier musicians and entertainers. Outside of Chicago, communities like Peoria and Springfield contribute to the state’s artistic tapestry, showcasing local talent and celebrating the performing arts.

2. Food Scene

Illinois is famous for its culinary diversity. Chicago-style deep-dish pizza, Italian beef sandwiches, and hot dogs are iconic, but the state’s food scene also includes international cuisine reflecting its multicultural population. Farmers markets and farm-to-table dining are popular in smaller communities and suburbs.

3. Outdoor Activities

Illinois’s natural beauty is reflected in its state parks, lakes, and rivers. Residents enjoy hiking, boating, fishing, camping, and wildlife watching. The Lake Michigan shoreline offers beaches and waterfront recreation beloved by families, while the Shawnee National Forest in southern Illinois provides hiking and scenic vistas.

4. Festivals and Events

Illinois hosts a variety of festivals throughout the year, including the Taste of Chicago, Illinois State Fair. If you prefer smaller events, you can find numerous local   ones celebrating music, food, and cultural heritage. These events foster community spirit and showcase the state’s diversity.

Conclusion

Illinois offers diverse communities to match any lifestyle, from bustling cities to calmer small towns. Whether you’re looking for better career opportunities, family-friendly neighborhoods, or an active retirement, the Prairie State has many options with unique attractions and natural beauty. As you consider making Illinois your home, weigh specific pros and cons based on your priorities to find your perfect location in the Midwest’s heart.

Related article

The Pros and Cons of Living in Wisconsin

Wisconsin offers diverse living options for everyone, from emerging professionals, to growing families, to good-living retirees. With its affordable cost of living, natural beauty, and strong communities, the Badger State is definitely an attractive option for relocation. Whether you prefer urban amenities in Milwaukee and Madison or the tranquil settings of Door County and the Northwoods, Wisconsin provides something for every lifestyle…

Frequently Asked Questions About Living in Illinois

1. What is the cost of living in Illinois compared to other states?
Illinois’s cost of living is near the national average, but Chicago and some suburbs have significantly higher costs. Housing and property taxes are the biggest factors.

2. How severe are winters and storms in Illinois?
Northern and central Illinois experience harsh winters with snow and ice. Tornadoes and flooding are risks in some regions.

3. Is Illinois a good place for families?
Many Illinois cities and suburbs offer excellent schools, parks, and family-friendly amenities. You should research local school ratings and safety to choose the community that fits your needs.

4. What are the job prospects in Illinois?
Illinois’s economy is strong in manufacturing, healthcare, finance, technology, and agriculture. Job opportunities vary by region, with larger cities offering more diverse options.

5. How is healthcare access in Illinois?
Major metropolitan areas offer excellent healthcare facilities, while rural areas may have fewer options. Illinois is home to many top-ranked hospitals and specialists.

6. What are the best outdoor activities in Illinois?
Illinois is known for its state parks, hiking, boating, fishing, golfing, and wildlife viewing. The state’s four seasons offer year-round recreation opportunities.

7. What should newcomers know about Illinois taxes?
Illinois has high property taxes and a flat state income tax. Sales taxes can be high in some areas, especially in Chicago.

Related article

10 Best Places to Live in Wisconsin

Wisconsin is a friendly and casual place to enjoy all four seasons. Best known for its dairy farms and pro sports, it is also home to tech companies and a world-class research university. We assign a HOMEiA Score for each city, which provides an overall assessment of its safety and appeal as a place to call home…