Moving from Tennessee to Illinois
At roughly 369 miles, moving from Tennessee to Illinois is a short interstate move — close enough that many people rent a truck and drive it themselves in a day. Here's the full checklist so nothing slips through.
Generate My ChecklistTN vs IL at a Glance
Income Tax
Sales Tax
Time Zone
Distance
Moving Cost
Professional move, 2–3 BR home. Summer +20–30%.
What This Move Means for You
Modest cost-of-living shift
Overall costs in Illinois are about 7% higher than in Tennessee — enough to notice on housing, but not a dramatic change.
New state income tax to plan for
Tennessee has no state income tax, but Illinois's top rate is about 4.95%. Factor the change into your take-home pay and monthly budget.
Higher property taxes
Illinois's effective property tax rate (1.88%) is higher than Tennessee's (0.52%). If you plan to buy, weigh the extra annual cost into your budget.
Before You Leave Tennessee
You have no final Tennessee income tax return to file
Tennessee does not tax wages or salaries. The Hall income tax on interest and dividends was repealed for tax periods that begin on or after January 1, 2021. Do not file a Hall return for those years.
Source: Tennessee Department of Revenue, Hall Income TaxAsk your county clerk about your Tennessee plates
Tennessee license plates belong to the owner, not the vehicle. The Department of Revenue does not say what to do with them when you move out of state. Ask your county clerk before you destroy or turn in your plates.
Source: Tennessee Department of Revenue, Surrendering a License PlateDo not expect a refund for unused registration
Generally, Tennessee does not refund the unused part of a registration. A tag cannot be refunded after its registration period starts. You may get a refund only if you return new tags before your old ones expire. The state refunds only its share. Ask the county clerk about the county share.
Source: Tennessee Department of Revenue, VR-15 Unused Portion of a Vehicle RegistrationCheck the professional privilege tax if you keep a Tennessee license
Some professionals licensed or registered to practice in Tennessee pay a $400 tax each year. This includes attorneys, lobbyists, investment advisers, broker-dealers, and securities agents. The tax is due June 1. The tax is owed by people licensed or registered to practice in Tennessee. If you keep that license after you move, check whether you still owe it.
Source: Tennessee Department of Revenue, Professional Privilege TaxAsk your county election commission to remove your registration
Tennessee registration is permanent until the county election commission removes it. Send a written request to the commission to remove your name. The commission also removes you when it gets written confirmation that you registered in another place.
Source: Tennessee Secretary of State, How to Update your Voter RegistrationAfter You Arrive in Illinois
Get an Illinois driver's license within 90 days
You can drive on a valid license from another state for 90 days after you move here. Apply in person at a DMV. Express facilities do not process out-of-state transfers. Surrender your out-of-state license. Expect a vision screening and a written exam. You may also have to take a drive exam. Read the Rules of the Road before you go.
Source: Illinois Secretary of State, Drivers FAQTitle and register the car within 30 days
Apply for an Illinois title and registration within 30 days of moving here. Complete Form VSD-190 and bring the out-of-state title. If a lender holds the title, bring a copy of the title or out-of-state registration and a copy of the loan agreement. The title fee is $165, and passenger plates are $151. A car titled and registered in another state at least three months before you moved is exempt from Illinois tax. You still file Form RUT-25 or RUT-50 to show the exemption.
Source: Illinois Secretary of State, Vehicle Titles and License Plates for New Illinois Residents (VSD 271)Emissions tests apply in the Chicago and Metro-East areas
Illinois tests vehicle emissions in the Chicago and Metro-East St. Louis areas. Most gasoline vehicles from model year 1996 or newer are tested once they are four years old. After that, even model years test in even years and odd model years in odd years. A vehicle newly registered in a test area may need a test. Your plate renewal notice says whether you must test before you renew. Diesel and all-electric vehicles do not test.
Source: Illinois Air Team (Illinois EPA), FAQsCarry at least 25/50/20 liability insurance
The minimum liability coverage is $25,000 for injury or death of one person and $50,000 for more than one person. The minimum for damage to property is $20,000. The state checks insurance electronically. If it cannot confirm coverage, it checks again after 30 days. If that check also fails, it mails you a suspension letter. You then have 30 days to prove coverage through your insurance agent. If you cannot, it suspends the registration. To reinstate it, buy insurance and pay a $100 fee. The minimum fine for driving uninsured is $500.
Source: Illinois Secretary of State, Mandatory InsuranceClaim the General Homestead Exemption if you buy a home
The General Homestead Exemption applies to a home you own and live in as your main residence. It lowers the equalized assessed value of the home. The maximum is $10,000 in Cook County and $8,000 in the counties next to Cook. In all other counties it is $6,000. Ask your county assessment office how to apply.
Source: Illinois Department of Revenue, Property Tax ReliefRegister to vote before the deadlines
You must live in your precinct for at least 30 days before Election Day. Regular registration closes 27 days before the election. Online registration stays open until 16 days before. After regular registration closes, use grace period registration in person at a designated site. Bring two forms of ID, and one must show your current address.
Source: Illinois State Board of Elections, Registering to Vote in IllinoisYour Moving Timeline
8 Weeks Before
At about 369 miles (~6.5 hours), this is short enough to DIY with a rental truck or a single-day mover run. Get 2–3 quotes and compare them against renting.
4 Weeks Before
Notify your utility providers, update your address with USPS, and begin packing non-essential items.
1 Week Before
Confirm with your movers, finish packing, clean your home, and prepare a moving day essentials bag.
Moving Day
Supervise loading, do a final walkthrough of your old home, and hand over the keys.
After the Move
Update your driver's license at the Illinois DMV, register to vote in IL, and set up your new utilities.
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Climate Comparison
Tennessee
Humid subtropical with hot, humid summers and cold winters.
Illinois
Humid continental with cold winters and hot, humid summers.
Utilities & Cost of Living
Tennessee
Illinois
Frequently Asked Questions
How far is it from Tennessee to Illinois?
The driving distance from Tennessee to Illinois is approximately 369 miles — about 6.5 hours of driving at highway speeds.
How much does it cost to move from Tennessee to Illinois?
A professional interstate move from Tennessee to Illinois typically costs between $1,000 and $3,000, depending on the size of your home and time of year.
- Summer moves (May–September) tend to cost 20–30% more.
What is the cost of living difference between Tennessee and Illinois?
Tennessee has a cost of living index of 88.9 versus 95.1 for Illinois (US average = 100).
- Overall, Illinois is about 7% higher than Tennessee.
How do property taxes compare between Tennessee and Illinois?
Tennessee's effective property tax rate is about 0.52%, versus 1.88% in Illinois.
- On a typical home that difference raises your annual holding costs, so factor it in if you plan to buy.
How soon do I need to update my driver's license after moving to Illinois?
After establishing residency in Illinois, you have 90 days to update your driver's license at a Illinois DMV office.
- Vehicle registration is a separate transaction with its own deadline, which in most states differs from the license deadline — confirm both with the Illinois DMV before you go.
What is the climate like in Illinois?
Illinois has humid continental with cold winters and hot, humid summers.
- The annual average temperature is 52°F, with about 39 inches of precipitation per year.
- Average monthly electricity bills run around $110.