Moving from Chicago, IL to Tampa, FL
Nobody moves to a state, they move to a city. Here is Chicago and Tampa side by side on the things that decide whether the move works: housing, property tax, income tax and everyday prices.
Moving to Tampa costs about
-$330/mo
less than Chicago each month, renting
Worth knowing
Tampa costs less overall, even though housing costs more
Housing runs about $198 a month more in Tampa, yet the move still works out roughly $330 a month cheaper once taxes and everyday costs are counted. The house is the expensive part; everything else is not.
Chicago vs Tampa at a glance
| Chicago | Tampa | |
|---|---|---|
| Median home price | $323,000 | $345,100 |
| Median rent | $1,430/mo | $1,628/mo |
| State income tax | Flat 4.95% | No state income tax |
| Property tax rate | 1.98% | 0.74% |
| Groceries, gas & goods | 107 | 95 |
| Utilities | 84 | 89 |
Price levels are indexes where 100 is the national average. They cover everyday spending only; housing is the two rows above.
What changes each month
| Monthly | Chicago | Tampa | Difference |
|---|---|---|---|
| Housing | |||
| Housing (median rent) | $1,430 | $1,628 | +$198 |
| Taxes | |||
| State income taxBiggest factor | $318 | $0 | -$318 |
| Sales tax (on everyday spending) | $96 | $87 | -$9 |
| Everyday costs | |||
| Groceries, gas & goods | $1,966 | $1,750 | -$216 |
| Utilities | $341 | $361 | +$20 |
| Total | -$330 | ||
What the move itself costs
$2,500 to $5,600
From a container you load yourself up to full-service movers.
Shipping one car adds about $700 to $1,050, against roughly $400 in fuel and lodging to drive it the 3-day trip yourself.
Housing and everyday prices here are for the metro area. Income and sales tax are set by state law and have no metro equivalent, so those come from Illinois and Florida. Compare the whole states instead to see how each metro sits against the state it is in.
Run this with your own numbers
Estimates only, not advice. Housing and income figures come from the U.S. Census Bureau's American Community Survey (2024); price levels from the Bureau of Economic Analysis (2024); tax rates are for the 2026 tax year, compiled from state revenue departments and the Tax Foundation. Moving costs are modelled from published ranges rather than quoted. Housing and price figures are metro-area medians or averages; income and sales tax are statewide. Neither will match any particular household.