Dayton vs Elgin
Cost of Living Comparison · 2026
Dayton
Elgin
The Verdict
Living in Dayton costs 15.8% less than Elgin. To match the purchasing power of a $75,000 salary in Dayton, you would need $89,063 in Elgin.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Dayton has the same purchasing power as $89,063 in Elgin.
Conversely, $75,000 in Elgin equals $63,158 in Dayton.
Living in Dayton vs Elgin
Housing Costs
Dayton's housing index of 46 is lower Elgin's 89, translating to median home prices of $135,000 vs $279,000. The $144,000 difference in home prices means roughly $9,360 per year in additional mortgage costs at current rates. Renters face a similar gap: $900/mo in Dayton compared to $1,375/mo in Elgin, a monthly difference of $475.
Grocery & Food Costs
Grocery expenses index at 98 in Dayton and 104 in Elgin. A household spending the national average of $475/month on groceries would pay approximately $466/month in Dayton vs $494/month in Elgin. Dayton offers a meaningful advantage on everyday food costs, saving roughly $336/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 109 in Dayton and 89 in Elgin. Monthly utility bills average approximately $436 in Dayton vs $356 in Elgin. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 114 in Dayton and 105 in Elgin. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $43,500 in Dayton and $90,300 in Elgin. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $54,375 and $95,053 respectively. Elgin residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,015/month to housing in Dayton vs $2,107/month in Elgin. In Dayton, median rent of $900/mo fits within this budget. In Elgin, median rent of $1,375/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 43 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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