B-
Overall 9%
Goods & Services 9%
Housing 21%
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Date & Last Updated: This data reflects 2022 and was released from C2ER in January, 2022; 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.
IndexGardnerIllinoisNational
Cost of living9197100
Goods & Services9196100
Groceries10097100
Health care9798100
Housing7995100
Transportation115104100
Utilities9196100

Key findings

  • The cost of living in Gardner is 6% lower than the Illinois average
  • The cost of living in Gardner is 9% lower than the national average
  • Gardner housing is 21% lower than the national average
  • Illinois general sales tax is 23% higher than the national average
  • Illinois state income tax is 101% higher than the national average

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Compare Gardner, IL Cost of Living

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      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 IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      Owners$76,786$6,399$1,792$2,304
      Renters$25,329$2,111$591$760

      Illinois Sales Tax

      StateGeneral Sales TaxWith Max Surtax
      Illinois6.25%10.25%

      Illinois Income Tax

      StateIncome Tax (Low)Income Tax (High)
      Illinois4.95%4.95%

      Goods & Services

      ItemGardnerNational avg.Difference
      Haircut $19.94$20.271.7%
      Beauty Salon $30.53$40.3924.4%
      Toothpaste $2.68$2.3613.5%
      Shampoo $0.94$1.0812.4%
      Movie $8.60$10.9921.7%
      Bowling $12.78$15.4917.5%

      Groceries

      ItemGardnerNational avg.Difference
      Ground Beef $4.41$4.302.7%
      Fried Chicken $1.52$1.408.4%
      Milk $2.27$2.203.2%
      Potatoes $3.01$3.226.5%
      Pizza $12.00$10.7411.8%
      Beer $8.54$9.6011.0%

      Health Care

      ItemGardnerNational avg.Difference
      Optometrist $144.58$109.7331.8%
      Doctor $118.53$118.340.2%
      Dentist $102.03$100.941.1%
      Ibuprofen $9.30$9.936.4%
      Lipitor $335.04$469.5328.6%

      Housing

      ItemGardnerNational avg.Difference
      Home Price $140,800.00$184,700.0023.8%
      Avg. Mortgage Payment $882.95$1,229.6228.2%
      Apartment Rent $806.00$949.0015.1%

      Transportation

      ItemGardnerNational avg.Difference
      Gasoline $2.83$2.714.3%
      Tire Balancing $68.42$51.8631.9%

      Utilities

      ItemGardnerNational avg.Difference
      All Electricity$139.31$170.8418.5%
      Phone $194.67$187.184.0%
      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

      CityPopulationCost of Living IndexNational Avg.
      Wilmington village, IL1447920.9%
      Kinsman, IL858514.9%
      Cabery, IL3128317.0%
      Union Hill, IL328416.2%
      Campus, IL1298515.3%
      Gardner, IL1,242918.8%

      Cities with similar population

      CityPopulationCost of Living IndexNational Avg.
      Avila Beach, CA1,24216767.5%
      Julesburg, CO1,2428416.2%
      Palm Shores, FL1,2421033.1%
      Payson, IL1,2428217.8%
      Tri-Lakes, IN1,2421044.0%
      Gardner, IL1,242918.8%
      Source: This data reflects 2021 and was released from C2ER in January, 2022; this is the most current data available.