Moving from Memphis, TN to Elgin, IL
Relocating 568 mi from Memphis to Elgin is a 10h 35m drive through 4 state(s). At long-haul distance the move touches nearly every household line item — rent or mortgage, utilities, tax withholding, climate load. This page sets the two cities side by side on each data layer.
568 mi · 10h 35m by car · TN → AR → MO → IL
Distance & route
| Route through | TN → AR → MO → IL |
|---|---|
| Primary highways | I 57, US 78, I 55 |
| Major cities en route | Joliet, Chicago, Naperville, Aurora |
Route via OSRM driving profile. Actual time varies with traffic and season.
Cost of living
| Memphis | Elgin | U.S. avg | |
|---|---|---|---|
| All items (RPP) | 92.179 | 103.595 | 100.0 |
| Rents | 74.097 | 83.581 | 100.0 |
| Goods | 96.221 | 107.258 | 100.0 |
| Services | 79.807 | 112.01 | 100.0 |
Overall prices come in 12.4% above Memphis — 92.179 → 103.595 on the BEA RPP.
Source: BEA Regional Price Parities (MSA-level · MSA-level); 2024.
Housing prices
12.4% jump on the typical home value — a meaningful shift in monthly mortgage math.
YoY change: Memphis -3.1%, Elgin +3.2%. Snapshot: 2026-03. Data provided by Zillow.
Climate
| 1991–2020 normals | Memphis | Elgin |
|---|---|---|
| Annual avg temperature | 63°F | 49°F |
| January avg low | 33°F | 14°F |
| July avg high | 92°F | 84°F |
| Annual snowfall | 2.7" | 32.1" |
| Annual precipitation | 54.9" | 39.9" |
Expect 14.4°F colder year-round on the NOAA 1991–2020 normals.
Heavy-snow city: expect 32.1 in of snowfall annually at Elgin.
Source: NOAA U.S. Climate Normals 1991–2020 (stations: MEMPHIS INTL AP, TN US, ELGIN, IL US).
Demographics
| ACS 5-year 2023 | Memphis | Elgin |
|---|---|---|
| Population | 629,063 | 114,106 |
| Median household income | $51,211 | $88,316 |
| Median age | 34.3 | 36.3 |
| Bachelor's degree or higher | 16.9% | 16.9% |
| Avg household size | 2.47 | 2.94 |
Expect median household income to rise 12.4% — $51,211 → $88,316 per ACS 5-year estimates (2023).
Source: U.S. Census Bureau, ACS 5-year 2023.
Jobs & wages
Top occupations in Elgin MSA
| Occupation | Employment | Median wage |
|---|---|---|
| Office and Administrative Support Occupations | 519,810 | $46,540 |
| Transportation and Material Moving Occupations | 497,550 | $41,020 |
| Management Occupations | 405,130 | $125,280 |
| Sales and Related Occupations | 386,070 | $38,490 |
| Food Preparation and Serving Related Occupations | 368,000 | $33,540 |
Source: BLS Occupational Employment and Wage Statistics.
Moving between Tennessee and Illinois
State income-tax top marginal rates are from the Tax Foundation, updated annually. Check Illinois's DMV for the current deadline to transfer driver license and vehicle registration after establishing residency. Consult a tax professional for your specific filing situation — state tax treatment depends on residency, sourcing, and reciprocity agreements.
Best time to move
Moving companies typically charge 20–30% more between Memorial Day and Labor Day (peak season). October through April offers the lowest rates and better mover availability.
To avoid mid-semester school transfers, most U.S. families schedule moves between mid-June and mid-August. Public school calendars typically run late August or early September through late May or early June.
Winter driving along this route
- I-40 through the Smokies and I-75 near Jellico Mountain can see chain requirements in winter storms.
State DOT 511 phone or web services provide real-time road conditions year-round.
Packing & arrival checklist
- You are moving to a much snowier climate — Elgin averages 32.1 in annually vs 2.7 in at origin. Don't bury the winter gear in a hard-to-reach box.
- You are moving to a noticeably colder climate (14.4°F lower annual average). Thermal layers, insulated boots, and a heavier winter coat should ride in the car, not the truck.
- Arrange utility connection (power, internet, gas, water) two weeks ahead of move-in.
- Update mailing address with USPS change-of-address within the first week post-move.
- Register to vote in Illinois after establishing residency.
Frequently asked
How does household income compare in Memphis vs Elgin?
Median household income on the Census ACS 5-year (2023) is $88,316 in Elgin vs $51,211 in Memphis — a 72.5% higher figure. Compare this against the cost-of-living gap above when budgeting.
What is the climate difference between Memphis and Elgin?
On NOAA 1991–2020 normals, annual average temperature is 49.0°F in Elgin vs 63.4°F in Memphis (14.4°F colder). Annual snowfall: 32.1 in vs 2.7 in. Annual precipitation: 39.9 in vs 54.9 in.
When is the best time to move from Memphis to Elgin?
Moving companies usually charge 20–30% less between October and April (off-peak). Memorial Day through Labor Day is peak pricing. For a 568 mi drive, weather on the route matters too — see the timing section above for state-specific winter warnings.
How far is Elgin, IL from Memphis, TN?
The driving distance is 568 mi and the route typically takes 10h 35m via I 57 and US 78. The trip crosses 4 state(s). Actual time varies with traffic and season.
How does the job market in Elgin compare to Memphis?
BLS Occupational Employment and Wage Statistics show median wages of $49,790 in the Elgin MSA vs $43,400 in the Memphis MSA, on total employment of 4,506,800 and 625,340 respectively. Top occupations on the destination side appear in the Jobs & wages section above.
How much do homes cost in Elgin compared to Memphis?
Zillow ZHVI (2026-03) puts the typical home value at $329,682 in Elgin vs $144,710 in Memphis — a 127.8% higher figure. Data provided by Zillow Research.
Is Elgin more expensive than Memphis?
Based on BEA Regional Price Parities (2024), overall price level in Elgin is 12.4% higher than Memphis (103.595 vs 92.179, U.S. average = 100). Rent and services typically carry most of this gap.
Plan the move
Estimate costs with our moving cost calculator, or see where else to move from Memphis.
City profiles: Memphis, TN · Elgin, IL.