Cost Of Living in Gardner, IL

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A+

5%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

17%

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	Gardner	Illinois	National
Cost of living	95	98	100
Groceries	99	100	100
Health care	97	100	100
Housing	83	95	100
Transportation	100	101	100
Utilities	101	99	100
Lifestyle & Entertainment	99	100	100
Household Items	98	100	100
Education & Childcare	106	100	100

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Homes For Sale In Gardner, IL

209 N Pine St

Gardner, IL

205 S Jackson St

Gardner, IL

8726 E Goodfarm Rd

Gardner, IL

104 N Cedar St

Gardner, IL

Cost Of Living Quick Facts

The cost of living in Gardner is 4% lower than the Illinois average
The cost of living in Gardner is 5% lower than the national average
Gardner housing is 17% 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	$108,563	$9,047	$2,533	$3,257
Renters	$54,155	$4,513	$1,264	$1,625

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.
Wilmington village, IL	150	79	21.3%
Union Hill, IL	71	81	19.0%
Cabery, IL	268	86	14.4%
Kinsman, IL	100	87	12.8%
Buckingham, IL	280	88	11.8%
Gardner, IL	1,466	95	5.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Green Springs, OH	1,466	86	14.3%
Pemberville, OH	1,466	95	5.3%
Langston, OK	1,466	77	22.6%
West Crossett, AR	1,467	82	17.5%
Hasley Canyon, CA	1,465	224	124.2%
Gardner, IL	1,466	95	5.3%

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.

Cost of Living in Gardner, IL

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Cost Of Living Quick Facts

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Median Income & Debt-To-Income Ratio

Illinois Sales Tax

Illinois Income Tax

Nearby cities with low cost of living

Cities with similar population