Cost of Living in Eureka, IL

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9%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
30%
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 Eureka Illinois National
Cost of living9198100
Groceries97100100
Health care101100100
Housing7095100
Transportation101101100
Utilities10399100
Lifestyle & Entertainment101100100
Household Items100100100
Education & Childcare101100100
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Homes For Sale In Eureka, IL

property for sale

1406 County Road 1150 N

Eureka, IL
property for sale

806 S Main St

Eureka, IL
property for sale

208 N Myers St

Eureka, IL
property for sale

107 W Hill St

Eureka, IL
See the Newest Homes For Sale In Eureka, IL

Cost Of Living Quick Facts

  • The cost of living in Eureka is 7% lower than the Illinois average
  • The cost of living in Eureka is 9% lower than the national average
  • Eureka housing is 30% 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

Most Affordable Places to Live in and Around Eureka

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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
      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$98,541$8,212$2,299$2,957
      Renters$25,867$2,156$604$776
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Eureka, IL, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Eureka homeowners, is $98,541. This would allow for a maximum of $2,299 per month to be spent on housing costs. For renters, the median monthly income is $25,867 which would result in a maximum of $604 to be spent on rental 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Washburn, IL1,1318613.8%
      Secor, IL2728713.3%
      Benson, IL4768712.6%
      Panola, IL188911.4%
      Bay View Gardens, IL502909.6%
      Eureka, IL5,635918.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Sioux Lookout, ON5,634n/a 
      Coraopolis, PA5,6379010.2%
      Creswell, OR5,63211211.9%
      Mena, AR5,6388118.6%
      Batesburg-Leesville, SC5,6308910.7%
      Eureka, IL5,635918.9%
      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.
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