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Cost of Living in Illinois 2026

Illinois cost of living index: 100 (0% below the national average). Illinois has state income tax (top rate: 4.95%). Data as of January 2026.

📣 Illinois at a Glance

100
Cost Index
(nat'l=100)
4.95%
State Income Tax
(Top Rate)
1,350
Median Monthly Rent

ⓘ Public Data Source: Missouri Economic Research and Information Center. Data as of January 2026.

📊 Cost of Living Breakdown

CategoryIllinoisNational AvgDifference
Overall Cost Index 100 100 -0%
State Income Tax 4.95% 5% (avg) Average
Median Rent $1,350/mo $1,200/mo (avg) +13%

🏢 Major Metro Areas in Illinois

Cost of living varies significantly between metro areas within Illinois. Major cities typically have higher housing costs.

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Frequently Asked Questions

What is the cost of living in Illinois in 2026?
Illinois has a cost of living index of 100 compared to the national average of 100. Illinois is 0% more affordable than the national average. Housing, groceries, utilities, transportation, and healthcare costs all factor into this index.
Is Illinois expensive to live in?
Illinois is more affordable than the national average. Residents typically pay less across most cost categories compared to most other states. The biggest driver of cost variation is housing prices in metropolitan areas.
How does Illinois's cost of living compare to other states?
Illinois's cost of living index of 100 compares to an average state around 100, meaning Illinois is notably more affordable than most other states. The most significant differences are in housing costs and state income taxes.
Does Illinois have a state income tax?
Illinois has a state income tax with rates up to 4.95%. State income tax is withheld from every paycheck.
What's the average salary needed to live comfortably in Illinois?
To live comfortably in Illinois (covering housing, food, transportation, healthcare, and modest savings), a single adult typically needs $55,000-$85,000/year. A family of four generally needs $90,000-$150,000/year depending on location and lifestyle. These estimates assume renting a modest apartment or owning a median-priced home.

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