Moving from Illinois to Kentucky
Illinois to Kentucky is a move of about 340 miles. Median rent is $967 a month in Kentucky and $1,274 in Illinois, and the median home is $205,600 against $263,300. State income tax is a flat 3.50% in Kentucky and a flat 4.95% in Illinois. Property tax runs 0.75% of home value in Kentucky and 2.01% in Illinois.
Moving to Kentucky costs about
$510/mo
less than Illinois each month, renting on a $80,000 household income
Not your income? Run it on your own numbers
Worth knowing
The move pays for itself in about 4 months
Moving costs somewhere around $1,810, and Kentucky runs about $510 a month cheaper. After roughly 4 months you are ahead.
Illinois vs Kentucky at a glance
| Illinois | Kentucky | |
|---|---|---|
| Median home value | $263,300 | $205,600 |
| Median rent | $1,274/mo | $967/mo |
| State income tax | Flat 4.95% | Flat 3.50% |
| Property tax rate | 2.01% | 0.75% |
| Groceries, gas & goods | 104 | 96 |
| Utilities | 85 | 75 |
Price levels are indexes where 100 is the national average. They cover everyday spending only; housing is the two rows above.
Monthly cost of living: Illinois vs Kentucky
| Monthly | IL | KY | Difference |
|---|---|---|---|
| Housing | |||
| Housing (median rent)Biggest factor | $1,274 | $967 | -$307 |
| Taxes | |||
| State income tax | $318 | $224 | -$94 |
| Local income tax (state average) | None | $89 | +$89 |
| Sales tax (on everyday spending) | $95 | $86 | -$9 |
| Everyday costs | |||
| Groceries, gas & goods | $1,904 | $1,759 | -$145 |
| Utilities | $347 | $308 | -$39 |
| Total | -$505 | ||
Cost to move from Illinois to Kentucky
$1,500 to $3,600
From a container you load yourself up to full-service movers.
Shipping one car adds about $350 to $600, against roughly $50 in fuel and lodging to drive it the 1-day trip yourself.
These are statewide figures. Chicago is not Illinois-average and Louisville is not Kentucky-average, so a specific city can look nothing like its state. Compare metro areas instead to narrow it to 387 real places, including which side of a state line you would live on.
Run this with your own numbers
What jobs pay in Kentucky, after the cost of living
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. Every figure is a statewide median or average and will not match any particular household.