DeKalb cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexDeKalbIllinoisNational
Cost of living index9599100
IndexDeKalbIllinoisNational
Goods & Services index9698100
Groceries index9699100
Health care index103101100
Housing index9199100
Transportation index9997100
Utilities index95101100
The above illustration supplies generalized information for the DeKalb, IL cost of living index. Compared to other cities in Illinois and cities across the country, the cost of living index in DeKalb, IL is 95, which is 4% lower than the Illinois average and 5% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in DeKalb, IL are 2% lower than the average for Illinois and 4% lower than the rest of the country.

Did you know?

  • The cost of living in DeKalb is 4% lower than the Illinois average.
  • The cost of living in DeKalb is 5% lower than the national average.
  • The cost of housing in DeKalb is 9% lower than the national average.
  • Illinois general sales tax is 23% higher than the national average.
  • Illinois state income tax is 69% higher than the national average.

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Compare DeKalb, IL Cost of living To Other Cities

Salary Calculator

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Cost of living index
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Groceries index
Health care index
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Using the salary calculator lets you compare the salary you earn in DeKalb, IL to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in DeKalb, IL, you have to earn a higher income in order to still have the same standard of living. To operate the DeKalb, IL salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$75,958$6,330$1,772$2,279
Renters$22,256$1,855$519$668
The affordability of the housing market in DeKalb, IL as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among DeKalb, IL homeowners, the median income is $75,958. This indicates that a monthly maximum of $1,772 should be spent by homeowners on all housing related costs. Renters have a median income of $22,256. This indicates that renters should have a maximum of $519 used for their rent related monthly costs.

Illinois Sales Tax

StateGeneral Sales TaxWith Max Surtax
Illinois6.25%9.75%

Illinois Income Tax

StateIncome Tax (Low)Income Tax (High)
Illinois3.75%3.75%
One thing to keep in mind when considering the cost of living in DeKalb, IL is the Illinois sales tax and Illinois income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Illinois sales tax rate is 6.25% and the maximum surtax that can be charged is 9.75%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Illinois income tax rates range from 3.75% to 3.75%.

Goods & Services

ItemDeKalbNational avg.Difference
Haircut $12.57$14.5913.9%
Beauty Salon $29.57$34.6814.7%
Toothpaste $1.88$2.4724.0%
Shampoo $1.00$1.022.2%
Movie $10.29$9.874.3%
Bowling $3.94$4.3910.3%

Groceries

ItemDeKalbNational avg.Difference
Ground Beef $4.91$4.489.7%
Fried Chicken $1.51$1.463.1%
Milk $2.42$2.362.7%
Potatoes $2.19$3.0628.5%
Pizza $8.00$9.2413.4%
Beer $8.37$8.633.0%

Health Care

ItemDeKalbNational avg.Difference
Optometrist $74.14$99.7825.7%
Doctor $112.33$105.036.9%
Dentist $89.63$88.701.0%
Ibuprofen $9.99$9.416.1%
Lipitor $319.94$298.507.2%

Housing

ItemDeKalbNational avg.Difference
Home Price $162,200.00$175,700.007.7%
Avg. Mortgage Payment $777.29$1,081.0328.1%
Apartment Rent $818.00$920.0011.1%

Transportation

ItemDeKalbNational avg.Difference
Gasoline $1.96$2.096.5%
Tire Balancing $51.06$45.2912.8%

Utilities

ItemDeKalbNational avg.Difference
All Electricity$176.07$170.803.1%
Phone $23.50$28.2616.8%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Lee, IL33589-11%
Steward, IL32289-11%
Monroe Center, IL47390-10%
Malta, IL1,11590-10%
Kirkland, IL1,79192-8%
DeKalb, IL44,09295-5%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Titusville, FL44,03288-12%
Lacey, WA44,0311088%
Sayreville, NJ43,96212424%
Pittsfield, MA44,226100-0%
Hackensack, NJ43,90313737%
DeKalb, IL44,09295-5%
Source: The DeKalb, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.