Cost of Living in Springfield, Illinois 2026

Q: What is the cost of living in Springfield, Illinois?

Springfield in Illinois has an estimated cost of living index of 115 (vs state average 100 and national average 100). Metro areas are typically 15% more expensive than their state average due to higher housing costs.

Q: How does Springfield compare to the Illinois state average?

Springfield is estimated to be 15% more expensive than the Illinois state average. This premium is primarily driven by housing costs in the metro area. Other costs (groceries, utilities, transportation) are typically within 15% of the state average.

Q: What salary do I need to live in Springfield, Illinois?

To live comfortably in Springfield, Illinois, a single adult typically needs $65,000-$95,000/year. A family of four generally needs $110,000-$160,000/year. These estimates account for housing costs in the metro area, state income taxes, and typical healthcare and food costs.

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🏢 Springfield at a Glance

~115

Metro Cost Index
(est.)

$1,552/mo

Est. Median Rent
(2BR)

$357K

Est. Median Home
Price

100

Illinois State
Avg Index

⚠ Estimated Metro-specific data is estimated from state averages. Actual costs may vary by neighborhood.

📈 Springfield vs Illinois vs National Average

Metric	Springfield (Metro)	Illinois (State Avg)	National Avg
Cost of Living Index	~115	100	100
Median Rent (2BR)	$1,552/mo	$1,350/mo	$1,200/mo
Median Home Price	$356,500	$0	$310,000
State Income Tax	4.95%	4.95%	5% (avg)

🏢 Other Metro Areas in Illinois

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Frequently Asked Questions

What is the average rent in Springfield, Illinois?

The estimated median rent for a 2-bedroom apartment in Springfield is approximately $1,552/month. Actual rent varies significantly by neighborhood, building age, and amenities. Studios typically run $1,009/mo; 3BR units $2,095/mo. Prices have risen 15% above the Illinois state average due to metro-level housing demand.

Is Springfield more expensive than other Illinois cities?

Springfield is estimated to be 15% above the Illinois state average, making it among the more expensive areas in the state. The premium is primarily driven by housing costs. Other cities in Illinois may offer 20-40% lower housing costs with similar employment opportunities.

What salary do I need to live comfortably in Springfield?

A single adult in Springfield typically needs $65,000-$95,000/year for a comfortable lifestyle (modest apartment, car, health insurance, food, entertainment, and modest savings). A family of four generally needs $110,000-$160,000/year. These estimates assume a standard middle-class lifestyle without exceptional luxuries or strict frugality.

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