Decatur 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.
Cost of living index8199100
Goods & Services index95101100
Groceries index9097100
Health care index88101100
Housing index5195100
Transportation index97105100
Utilities index9696100
The above illustration supplies generalized information for the Decatur, IL cost of living index. Compared to other cities in Illinois and cities across the country, the cost of living index in Decatur, IL is 81, which is 18% lower than the Illinois average and 19% 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 Decatur, IL are 7% lower than the average for Illinois and 6% lower than the rest of the country.

Did you know?

  • The cost of living in Decatur is 18% lower than the Illinois average.
  • The cost of living in Decatur is 19% lower than the national average.
  • The cost of housing in Decatur is 49% 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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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
The salary calculator allows you to compare how much your current salary in Decatur, IL would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Decatur, IL, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Decatur, IL salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Decatur, IL, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Decatur, IL, the median monthly income is $53,367 for those who own their own homes. Under the standard rule, that income level would allow for $1,245 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $21,807, per the median income in the area. That would allow for renters to spend up to $509 on monthly rental expenses.

Illinois Sales Tax

StateGeneral Sales TaxWith Max Surtax

Illinois Income Tax

StateIncome Tax (Low)Income Tax (High)
When you are determining the total cost of living in Decatur, IL you will want to make sure you consider both the Illinois sales tax and the Illinois income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Illinois is 6.25%, with the highest surtax being 10.25%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Illinois have a range from 3.75% to 3.75%.

Goods & Services

ItemDecaturNational avg.Difference
Haircut $15.33$16.094.7%
Beauty Salon $30.89$37.3317.3%
Toothpaste $2.00$2.4518.3%
Shampoo $0.83$1.0017.4%
Movie $9.32$10.289.4%
Bowling $4.38$4.9311.2%


ItemDecaturNational avg.Difference
Ground Beef $3.21$3.8015.7%
Fried Chicken $1.53$1.409.5%
Milk $1.25$2.0137.7%
Potatoes $2.87$3.014.8%
Pizza $9.16$9.897.4%
Beer $8.42$8.905.4%

Health Care

ItemDecaturNational avg.Difference
Optometrist $78.11$102.1623.5%
Doctor $103.39$108.364.6%
Dentist $71.67$92.5322.5%
Ibuprofen $8.21$9.2811.5%
Lipitor $430.91$425.821.2%


ItemDecaturNational avg.Difference
Home Price $80,300.00$184,700.0056.5%
Avg. Mortgage Payment $992.13$1,202.4417.5%
Apartment Rent $654.00$949.0031.1%


ItemDecaturNational avg.Difference
Gasoline $2.22$2.241.1%
Tire Balancing $42.88$46.297.4%


ItemDecaturNational avg.Difference
All Electricity$171.82$165.963.5%
Phone $25.38$28.6811.5%
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.
LaPlace, IL16177-23%
Boody, IL25979-21%
Niantic, IL53080-20%
Bethany, IL1,27580-20%
Latham, IL29780-20%
Decatur, IL74,06381-19%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Gastonia, NC73,87793-7%
Bolingbrook, IL74,3201044%
San Ramon, CA74,36619797%
Schaumburg, IL74,36611616%
Perris, CA73,71811515%
Decatur, IL74,06381-19%
Source: The Decatur, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.