Cost Of Living in Bluffs, IL

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16%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

51%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Bluffs	Illinois	National
Cost of living	84	98	100
Groceries	98	100	100
Health care	99	100	100
Housing	49	95	100
Transportation	100	101	100
Utilities	99	99	100
Lifestyle & Entertainment	100	100	100
Household Items	101	100	100
Education & Childcare	95	100	100

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Homes For Sale In Bluffs, IL

806 Phillips Ferry Rd

Bluffs, IL

Cost Of Living Quick Facts

The cost of living in Bluffs is 15% lower than the Illinois average
The cost of living in Bluffs is 16% lower than the national average
Bluffs housing is 51% lower than the national average
Illinois general sales tax is 22% higher than the national average
Illinois state income tax is 91% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$101,651	$8,471	$2,372	$3,050
Renters	$33,072	$2,756	$772	$992

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%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Valley City, IL	30	99	1.4%
Naples, IL	149	77	22.7%
Glasgow, IL	96	78	22.4%
Lynnville, IL	133	80	20.5%
Detroit, IL	23	79	20.6%
Bluffs, IL	792	84	16.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Millry, AL	792	87	12.6%
McNary, AZ	792	87	12.9%
Illiopolis, IL	792	85	15.0%
Lakeville, IN	792	84	16.3%
Erick, OK	792	79	20.7%
Bluffs, IL	792	84	16.1%