Elgin IL vs Westminster CO — 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%
Westminster, CO
Colorado · Population: 115,546
- Median HH Income$96,145
- Median Home Price$528,447
- Unemployment3.8%
- Bachelor's+44.0%
Detailed Comparison
Demographics
Population
Elgin
114,106
Westminster
115,546
Westminster +
Pop. Density / sq mi
Lower = more space
Elgin
N/A
Westminster
N/A
Median Age
Elgin
36.3
Elgin +
Westminster
37.5
Foreign Born
Elgin
26.5%
Elgin +
Westminster
8.2%
White
Elgin
45.4%
Westminster
74.7%
Westminster +
Black
Elgin
5.2%
Elgin +
Westminster
1.2%
Asian
Elgin
6.0%
Elgin +
Westminster
4.7%
Hispanic
Elgin
48.4%
Elgin +
Westminster
23.7%
Spanish at Home
Elgin
N/A
Westminster
N/A
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Population | 114,106 | 115,546 | Westminster + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 36.3 | 37.5 | Elgin + |
| Foreign Born | 26.5% | 8.2% | Elgin + |
| White | 45.4% | 74.7% | Westminster + |
| Black | 5.2% | 1.2% | Elgin + |
| Asian | 6.0% | 4.7% | Elgin + |
| Hispanic | 48.4% | 23.7% | Elgin + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Elgin
$88,316
Westminster
$96,145
Westminster +
Per Capita Income
Elgin
$36,037
Westminster
$51,982
Westminster +
Per Capita Personal Income (MSA)
BEA MSA-level
Elgin
$68,110
Westminster
$76,653
Westminster +
Unemployment Rate
Elgin
6.3%
Westminster
3.8%
Westminster +
Poverty Rate
Elgin
10.4%
Westminster
7.0%
Westminster +
Bachelor's Degree+
Elgin
26.0%
Westminster
44.0%
Westminster +
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Median HH Income | $88,316 | $96,145 | Westminster + |
| Per Capita Income | $36,037 | $51,982 | Westminster + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $76,653 | Westminster + |
| Unemployment Rate | 6.3% | 3.8% | Westminster + |
| Poverty Rate | 10.4% | 7.0% | Westminster + |
| Bachelor's Degree+ | 26.0% | 44.0% | Westminster + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Elgin
$333,920
Elgin +
Westminster
$528,447
Homeownership Rate
Elgin
71.5%
Elgin +
Westminster
63.7%
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $333,920 | $528,447 | Elgin + |
| Homeownership Rate | 71.5% | 63.7% | Elgin + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Elgin
344
Elgin +
Westminster
512
Property Crime / 100K
FBI CDE (state-level est.)
Elgin
1842
Elgin +
Westminster
3234
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 512 | Elgin + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 3234 | Elgin + |
Health
Obesity Rate
CDC PLACES
Elgin
35.8%
Westminster
27.7%
Westminster +
Diabetes Rate
CDC PLACES
Elgin
12.1%
Westminster
8.4%
Westminster +
Poor Mental Health
CDC PLACES — 14+ days/month
Elgin
16.0%
Elgin +
Westminster
16.1%
No Health Insurance
CDC PLACES
Elgin
16.8%
Westminster
11.1%
Westminster +
Binge Drinking
CDC PLACES
Elgin
18.1%
Elgin +
Westminster
18.7%
Current Smokers
CDC PLACES
Elgin
12.2%
Westminster
11.1%
Westminster +
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.8% | 27.7% | Westminster + |
| Diabetes RateCDC PLACES | 12.1% | 8.4% | Westminster + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 16.1% | Elgin + |
| No Health InsuranceCDC PLACES | 16.8% | 11.1% | Westminster + |
| Binge DrinkingCDC PLACES | 18.1% | 18.7% | Elgin + |
| Current SmokersCDC PLACES | 12.2% | 11.1% | Westminster + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Elgin
48.7°F
Westminster
N/A
Annual Precipitation
NOAA 1991–2020 normal
Elgin
37.8 in
Westminster
N/A
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 48.7°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 37.8 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Elgin
9.4 µg/m³
Westminster
6.2 µg/m³
Westminster +
Good Air Days
AQI ≤ 50
Elgin
55.0%
Westminster
75.0%
Westminster +
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 6.2 µg/m³ | Westminster + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Westminster + |
Commute
Mean Commute Time
Census ACS
Elgin
30.4 min
Westminster
28.6 min
Westminster +
| Metric | Elgin, IL | Westminster, CO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.4 min | 28.6 min | Westminster + |
Which City is Right for You?
Westminster leads in median household income at $96,145, while elgin offers more affordable housing with a median home price of $333,920. On public safety, Elgin is safer with a violent crime rate of 344 per 100,000 residents, compared to 512 in Westminster. Westminster has a lower unemployment rate at 3.8%, and Westminster has cleaner air (PM2.5 avg 6.2 µg/m³). For overall health outcomes, Westminster scores better with a lower obesity rate of 27.7%.
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