A+
15%
Overall NAT. AVG.
9%
Goods & Services NAT. AVG.
37%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Belleville Illinois National
Cost of living8596100
Goods & Services9297100
Groceries9798100
Health care8995100
Housing6395100
Transportation94103100
Utilities10289100

An Overview of Cost of Living in Belleville, IL

Are you thinking about relocating, but curious about the potential cost of living in Belleville? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Belleville stands at 85, making it 15% lower than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Is Belleville Affordable?

Wondering if Belleville is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Belleville, for example, the median home price is 47.2% lower than what folks pay nationally, and monthly rent is 13.9% lower than the usual rates. Plus, income levels matter too, with Belleville boasting a median household income of $52,843, which is 4.5% lower than the national average.

What Factors can Influence the Cost of Living in Belleville?

Housing: High demand for housing in desirable locations can drive up property prices and rental rates. This can be a primary contributor to a higher cost of living. While low demand for housing, especially in undesirable locations, can have the reverse effect and drive prices down, resulting in a lower cost of living. The housing index in Belleville, is 37.2% lower than the national average.

Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Belleville, the utilities index registers 1.7% higher than the national average.

Where is the Data From?

The Belleville cost of living data you see above is sourced from the C2ER cost of living index, providing a practical and accurate means of comparing living expenses in urban areas. Updated quarterly, this index gathers data from over 300 independent researchers, covering more than 60 goods and services, in 6 different categories. These selections are made meticulously to represent a wide range of consumer expenditure categories. The weightings applied to cost differences are based on government survey data that tracks spending patterns among professional and executive households. It's important to note that while the C2ER index excludes data on sales or income tax rates, AreaVibes factors tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Belleville is 12% lower than the Illinois average
  • The cost of living in Belleville is 15% lower than the national average
  • Belleville housing is 37% lower than the national average
  • Illinois general sales tax is 22% higher than the national average
  • Illinois state income tax is 119% higher than the national average

Most Affordable Places to Live in and Around Belleville

See all the best places to live around Belleville

Compare Belleville, IL Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$65,466$5,456$1,527$1,964
      Renters$30,611$2,551$714$918
      The affordability of the housing market in Belleville, IL as well as the overall cost of living can be predicted 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 be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Belleville homeowners, the median income is $65,466. This indicates that a monthly maximum of $1,527 should be spent by homeowners on all housing related costs. Renters have a median income of $30,611. This indicates that renters would have a maximum of $714 for their rent related monthly costs.

      Illinois Sales Tax

      State General Sales Tax With Max Surtax
      Illinois 6.25% 10.25%

      Illinois Income Tax

      State Income Tax (Low) Income Tax (High)
      Illinois 4.95% 4.95%

      Goods & Services

      Item Belleville National avg. Difference
      Haircut $21.19$24.2612.7%
      Beauty Salon $40.57$45.5611.0%
      Toothpaste $3.75$3.701.3%
      Shampoo $1.11$1.2813.3%
      Movie $11.28$12.137.1%
      Bowling $16.92$18.006.0%

      Groceries

      Item Belleville National avg. Difference
      Ground Beef $6.40$5.849.7%
      Fried Chicken $1.36$1.5713.3%
      Milk $4.50$4.673.7%
      Potatoes $5.28$4.936.9%
      Pizza $10.84$12.0910.3%
      Beer $9.47$10.419.1%

      Health Care

      Item Belleville National avg. Difference
      Optometrist $125.72$125.680.0%
      Doctor $124.51$135.788.3%
      Dentist $100.78$113.2911.0%
      Ibuprofen $10.14$10.654.8%
      Lipitor $520.16$468.6011.0%

      Housing

      Item Belleville National avg. Difference
      Home Price $97,500.00$184,700.0047.2%
      Avg. Mortgage Payment $1,737.43$2,346.6926.0%
      Apartment Rent $817.00$949.0013.9%

      Transportation

      Item Belleville National avg. Difference
      Gasoline $3.20$3.467.6%
      Tire Balancing $50.00$59.9216.6%

      Utilities

      Item Belleville National avg. Difference
      All Electricity $133.84$193.9931.0%
      Phone $188.69$192.251.9%
      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 Population Cost of Living Index National Avg.
      Darmstadt, IL0945.9%
      Paderborn, IL65945.9%
      Floraville, IL30945.9%
      Rentchler, IL4945.9%
      Brooklyn, IL4287327.0%
      Belleville, IL41,2568515.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bremerton, WA41,25812222.2%
      Greenacres, FL41,2421055.1%
      Moline, IL41,213909.5%
      Westfield, MA41,30311212.3%
      Kearny, NJ41,19012727.5%
      Belleville, IL41,2568515.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.