Cost of Living: Spring Hill, FL vs Elgin, IL (2026)

Spring Hill

Florida
85
VS

Elgin

Illinois
90

Spring Hill is 6% cheaper than Elgin.

$1,301/mo ↑ 3%
Median Rent
$1,260/mo ↓ 3%
$66,557/yr ↓ 25%
Median Income
$88,316/yr ↑ 33%
$248,400 ↓ 2%
Home Value
$252,400 ↑ 2%
$1,153/mo ↓ 23%
Owner Costs
$1,502/mo ↑ 30%
118,814
Population
114,106

Tax Comparison

0%
Income Tax
4.95%
6.0%
State Sales Tax
6.25%
0.86%
Property Tax
2.07%

Affordability

23.5%
rent-to-income
Affordability
17.1%
rent-to-income

Detailed Comparison

When comparing Spring Hill, FL and Elgin, IL, the overall cost of living indices are 85 and 90 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $21,759/year higher in Elgin. Home values also differ significantly — the median in Spring Hill is $248,400 compared to $252,400 in Elgin.

Florida has no state income tax, giving Spring Hill residents a significant tax advantage over Illinois's 4.95% rate.

Frequently Asked Questions

Spring Hill vs Elgin — common questions

Is Spring Hill or Elgin cheaper to live in?
Based on our cost index, Spring Hill is cheaper to live in with an index of 85 compared to 90 (US average = 100).
What is the rent difference between Spring Hill and Elgin?
Median rent in Spring Hill is $1,301/month and in Elgin it's $1,260/month — a difference of $41/month.
Which city has higher income, Spring Hill or Elgin?
Median household income is $66,557 in Spring Hill and $88,316 in Elgin. Median household income is $21,759/year higher in Elgin.
How do taxes compare between Florida and Illinois?
Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Spring Hill or Elgin?
It depends on your priorities. Spring Hill has a cost index of 85 with median rent of $1,301/mo, while Elgin has a cost index of 90 with rent of $1,260/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Spring Hill details → View Elgin details →

More Comparisons

Other cost of living comparisons for Spring Hill and Elgin

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