Rock Island 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.
IndexRock IslandIllinoisNational
Cost of living index8798100
IndexRock IslandIllinoisNational
Goods & Services index9497100
Groceries index10697100
Health care index97100100
Housing index6199100
Transportation index97104100
Utilities index9895100
Displayed above is a general overview of the Rock Island, IL cost of living index. The overall cost of living index in Rock Island, IL is 87, which is 12% lower than the Illinois average and 13% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Rock Island, IL are 3% lower than the Illinois average and 6% lower than the national average.

Did you know?

  • The cost of living in Rock Island is 12% lower than the Illinois average.
  • The cost of living in Rock Island is 13% lower than the national average.
  • The cost of housing in Rock Island is 39% 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 Rock Island, IL Cost of living To Other Cities

Salary Calculator

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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 Rock Island, 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 Rock Island, IL, you have to earn a higher income in order to still have the same standard of living. To operate the Rock Island, 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$52,234$4,353$1,219$1,567
Renters$22,825$1,902$533$685
One can approximate the cost of living and the housing affordability in Rock Island, IL by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Rock Island, IL have a median income of $52,234. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,219 per month to avoid calamity and poverty. The renters in the city have an income of about $22,825, which would make their monthly maximum allowable rental costs $533.

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%
For those who live in Rock Island, IL and want to know what the true cost of living is, they ought to look at both the Illinois income tax rate and the Illinois sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Illinois, the sales tax is 6.25%, while the most you'll pay in surtax is 9.75%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Illinois, the income tax rate ranges between 3.75% to 3.75%.

Goods & Services

ItemRock IslandNational avg.Difference
Haircut $13.70$15.5612.0%
Beauty Salon $22.83$36.1136.8%
Toothpaste $2.63$2.476.2%
Shampoo $1.32$0.9636.4%
Movie $10.49$10.133.6%
Bowling $5.00$4.745.6%

Groceries

ItemRock IslandNational avg.Difference
Ground Beef $4.15$3.984.1%
Fried Chicken $1.51$1.417.3%
Milk $2.66$2.0628.9%
Potatoes $3.47$2.9816.4%
Pizza $8.69$9.478.3%
Beer $8.35$8.795.0%

Health Care

ItemRock IslandNational avg.Difference
Optometrist $96.13$101.044.9%
Doctor $126.39$107.4417.6%
Dentist $75.69$90.4216.3%
Ibuprofen $9.29$9.280.1%
Lipitor $407.67$426.504.4%

Housing

ItemRock IslandNational avg.Difference
Home Price $98,000.00$175,700.0044.2%
Avg. Mortgage Payment $1,111.11$1,133.232.0%
Apartment Rent $686.00$920.0025.4%

Transportation

ItemRock IslandNational avg.Difference
Gasoline $1.94$1.992.7%
Tire Balancing $43.33$45.765.3%

Utilities

ItemRock IslandNational avg.Difference
All Electricity$140.29$163.8114.4%
Phone $32.99$28.3916.2%
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.
Oak Grove, IL75676-24%
Cleveland, IL13783-17%
Stockton, IA21785-15%
Panorama Park, IA11085-15%
Milan, IL5,12285-15%
Rock Island, IL38,88887-13%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Marumsco, VA38,89411616%
Clinton, MD38,87312626%
Muskogee, OK38,93784-16%
Woburn, MA38,82614646%
Channelview, TX38,98088-12%
Rock Island, IL38,88887-13%
Source: The Rock Island, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.