Is Illinois a Good Place to Live? 10 Pros and Cons of Renting in Illinois

From the world-renowned city of Chicago to charming small towns like Galena and Peoria, Illinois offers various living experiences for its residents. But like any state, living in Illinois comes with its own set of pros and cons. Here’s a closer look at what life in Illinois entails.

Is Illinois a good place to live?

Moving to Illinois blends urban and rural living, providing residents with access to both city life and serene countryside settings, such as the Shawnee National Forest. The state has a robust economy driven by key industries like manufacturing, agriculture, and technology, along with numerous higher education institutions like the University of Illinois and Northwestern University. However, this economic opportunity comes with challenges, including fierce competition for jobs, particularly in major cities like Chicago.

Sport fans will feel right at home in Illinois, with major league teams like the Chicago Bears (NFL), Chicago Bulls (NBA), and Chicago Cubs (MLB). Whether you’re attracted to Chicago’s arts scene, its renowned museums, or its diverse dining options, Illinois is a good place to live.

Illinois state overview

1. Pro: Diverse cultural experiences

One of Illinois’ greatest advantages is its cultural diversity. Chicago is a global city, home to a mix of cultures that contribute to its rich arts scene, food variety, and beautiful neighborhoods. You can enjoy everything from world-class museums like The Art Institute of Chicago to live blues performances in the city’s music clubs. Illinois celebrates its diversity through numerous cultural festivals, including the Chicago Air and Water Show, Taste of Chicago, and Lollapalooza.

Insider scoop: For an authentic local experience, venture beyond the big-name festivals and explore neighborhood events like the Puerto Rican Festival in Humboldt Park.

2. Con: High taxes

A notable downside to living in Illinois is its high taxes, which are frequently seen as a drawback by residents. The state has one of the highest property tax rates in the nation, with an average effective rate of about 2.07%—a crucial consideration if you’re planning to buy a home. In addition to property taxes, Illinois imposes a flat state income tax of 4.95%. While this rate is lower than in some states, the burden increases when combined with local taxes. Sales taxes are also significant, particularly in Chicago, where the total rate can climb as high as 10.25%.

3. Pro: A transportation hub

Illinois is one of the nation’s transportation hubs. The state’s central location makes it ideal for logistics and travel, with easy access to highways, railroads, and O’Hare International Airport — one of the busiest airports in the world. Whether you’re commuting within the state or heading to another part of the country, it’s easy to navigate in Illinois. Chicago, in particular, has an excellent public transportation system, including the iconic “L” train network, which connects various neighborhoods to downtown and surrounding suburbs. 

Travel tip: If you’re flying out of O’Hare, avoid rush hour traffic by taking the Blue Line “L” train straight to the airport. It’s often faster than driving, especially during peak travel times, and you’ll skip the hefty parking fees.

4. Con: Harsh winters and unpredictable weather

Illinois winters can be brutal, especially in northern cities like Chicago. The freezing temperatures, heavy snowfalls, and icy conditions make commuting difficult and increase heating costs. The weather is also unpredictable throughout the year, with frequent thunderstorms and high winds in the spring and summer. Even severe weather, including tornadoes, is common in the central and southern parts of the state.

Insider scoop: Locals know to invest in high-quality winter gear, including snow tires or an AWD vehicle to make winter driving safer. Also, it’s smart to keep an emergency kit in your car with blankets, snacks, and a shovel, especially if you’re commuting long distances in the snow.

5. Pro: Strong job market in urban areas

The job market in Illinois, particularly in cities like Chicago and Naperville, is strong. Chicago is home to Fortune 500 companies, financial institutions, and a growing tech scene. Additionally, Illinois plays a key role in agriculture and manufacturing, and healthcare and education also offer great employment opportunities. 

6. Con: Traffic congestion in urban centers

Although Illinois has great transportation infrastructure, traffic congestion can be a major downside, especially in and around Chicago. Rush hour traffic can extend commutes significantly, and the infamous Chicago gridlock is something that residents often have to navigate. Additionally, road construction during the warmer months can lead to more delays.

7. Pro: Affordable living outside of Chicago

If you’re looking for affordable living outside of Chicago, several suburbs provide more budget-friendly options while still providing access to the city. Cities like Joliet, Aurora, and Naperville are great examples. Joliet, about 45 miles southwest of downtown, has average rent around $1,240 for a one-bedroom apartment. Aurora, a bit closer at 40 miles away, offers an average rental rate of about $1,550 for a one-bedroom. These suburbs offer a balance of affordability, amenities, and convenience for those looking to live near Chicago without the high city costs.

8. Con: Air pollution in urban areas

While Illinois has beautiful natural landscapes, air quality in densely populated areas like Chicago can be problematic. Industrial emissions, heavy traffic, and other pollutants contribute to poor air quality, which can exacerbate respiratory conditions and reduce overall quality of life in some urban areas, particularly during the summer months.

9. Pro: Outdoor recreation and scenic parks

Though often overshadowed by urban life, Illinois has plenty of outdoor spaces to explore. The state is home to the Shawnee National Forest, the scenic Mississippi River, and numerous state parks that offer hiking, camping, and boating. Illinois is also part of the Great Lakes region, giving residents access to Lake Michigan’s waterfront for fishing, sailing, and beach days.

Insider scoop: Check out Starved Rock State Park for its stunning waterfalls and canyons — a hidden gem for hiking enthusiasts.

10. Con: High competition for certain jobs

One of the challenges of living in Illinois, particularly in urban centers like Chicago, is the high competition for certain jobs. With the state being home to a diverse economy and key industries such as finance, technology, healthcare, and education, many flock to Illinois in search of career opportunities. As a result, positions in these fields, especially in tech, corporate finance, and healthcare, can be highly competitive. 

Pros and cons of living in Illinois: Overview