Elgin IL vs Springfield IL — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Elgin, IL
Illinois · Population: 114,106
- Median HH Income$88,316
- Median Home Price$333,920
- Unemployment6.3%
- Bachelor's+26.0%
Springfield, IL
Illinois · Population: 113,714
- Median HH Income$65,537
- Median Home Price$168,312
- Unemployment6.7%
- Bachelor's+35.1%
Detailed Comparison
Demographics
Population
Elgin
114,106
Elgin +
Springfield
113,714
Pop. Density / sq mi
Lower = more space
Elgin
N/A
Springfield
N/A
Median Age
Elgin
36.3
Elgin +
Springfield
40.7
Foreign Born
Elgin
26.5%
Elgin +
Springfield
4.5%
White
Elgin
45.4%
Springfield
70.5%
Springfield +
Black
Elgin
5.2%
Springfield
19.8%
Springfield +
Asian
Elgin
6.0%
Elgin +
Springfield
2.9%
Hispanic
Elgin
48.4%
Elgin +
Springfield
3.4%
Spanish at Home
Elgin
N/A
Springfield
N/A
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Population | 114,106 | 113,714 | Elgin + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 36.3 | 40.7 | Elgin + |
| Foreign Born | 26.5% | 4.5% | Elgin + |
| White | 45.4% | 70.5% | Springfield + |
| Black | 5.2% | 19.8% | Springfield + |
| Asian | 6.0% | 2.9% | Elgin + |
| Hispanic | 48.4% | 3.4% | Elgin + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Elgin
$88,316
Elgin +
Springfield
$65,537
Per Capita Income
Elgin
$36,037
Springfield
$41,110
Springfield +
Per Capita Personal Income (MSA)
BEA MSA-level
Elgin
$68,110
Springfield
$68,110
Tie
Unemployment Rate
Elgin
6.3%
Elgin +
Springfield
6.7%
Poverty Rate
Elgin
10.4%
Elgin +
Springfield
16.5%
Bachelor's Degree+
Elgin
26.0%
Springfield
35.1%
Springfield +
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Median HH Income | $88,316 | $65,537 | Elgin + |
| Per Capita Income | $36,037 | $41,110 | Springfield + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $68,110 | Tie |
| Unemployment Rate | 6.3% | 6.7% | Elgin + |
| Poverty Rate | 10.4% | 16.5% | Elgin + |
| Bachelor's Degree+ | 26.0% | 35.1% | Springfield + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Elgin
$333,920
Springfield
$168,312
Springfield +
Homeownership Rate
Elgin
71.5%
Elgin +
Springfield
63.4%
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $333,920 | $168,312 | Springfield + |
| Homeownership Rate | 71.5% | 63.4% | Elgin + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Elgin
344
Springfield
344
Tie
Property Crime / 100K
FBI CDE (state-level est.)
Elgin
1842
Springfield
1842
Tie
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 344 | Tie |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 1842 | Tie |
Health
Obesity Rate
CDC PLACES
Elgin
35.8%
Elgin +
Springfield
41.1%
Diabetes Rate
CDC PLACES
Elgin
12.1%
Elgin +
Springfield
12.9%
Poor Mental Health
CDC PLACES — 14+ days/month
Elgin
16.0%
Elgin +
Springfield
17.3%
No Health Insurance
CDC PLACES
Elgin
16.8%
Springfield
8.2%
Springfield +
Binge Drinking
CDC PLACES
Elgin
18.1%
Springfield
16.7%
Springfield +
Current Smokers
CDC PLACES
Elgin
12.2%
Elgin +
Springfield
14.7%
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.8% | 41.1% | Elgin + |
| Diabetes RateCDC PLACES | 12.1% | 12.9% | Elgin + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 17.3% | Elgin + |
| No Health InsuranceCDC PLACES | 16.8% | 8.2% | Springfield + |
| Binge DrinkingCDC PLACES | 18.1% | 16.7% | Springfield + |
| Current SmokersCDC PLACES | 12.2% | 14.7% | Elgin + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Elgin
48.7°F
Springfield
N/A
Annual Precipitation
NOAA 1991–2020 normal
Elgin
37.8 in
Springfield
37.7 in
Springfield +
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 48.7°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 37.8 in | 37.7 in | Springfield + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Elgin
9.4 µg/m³
Springfield
9.4 µg/m³
Tie
Good Air Days
AQI ≤ 50
Elgin
55.0%
Springfield
55.0%
Tie
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 9.4 µg/m³ | Tie |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Elgin
30.4 min
Springfield
19.4 min
Springfield +
| Metric | Elgin, IL | Springfield, IL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.4 min | 19.4 min | Springfield + |
Which City is Right for You?
Elgin leads in median household income at $88,316, while springfield offers more affordable housing with a median home price of $168,312. On public safety, Springfield is safer with a violent crime rate of 344 per 100,000 residents, compared to 344 in Elgin. Elgin has a lower unemployment rate at 6.3%, and Springfield has cleaner air (PM2.5 avg 9.4 µg/m³). For overall health outcomes, Elgin scores better with a lower obesity rate of 35.8%.
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