Cost Of Living in Germantown, IL

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A+

8%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

24%

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	Germantown	Illinois	National
Cost of living	92	98	100
Groceries	100	100	100
Health care	98	100	100
Housing	76	95	100
Transportation	100	101	100
Utilities	102	99	100
Lifestyle & Entertainment	97	100	100
Household Items	98	100	100
Education & Childcare	99	100	100

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Homes For Sale In Germantown, IL

315 Jennifer

Germantown, IL

Cost Of Living Quick Facts

The cost of living in Germantown is 6% lower than the Illinois average
The cost of living in Germantown is 8% lower than the national average
Germantown housing is 24% 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	$101,663	$8,472	$2,372	$3,050
Renters	$61,734	$5,145	$1,440	$1,852

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.
Keyesport, IL	512	82	17.7%
New Minden, IL	192	84	16.3%
Huey, IL	139	84	16.1%
Fayetteville, IL	450	84	16.2%
Venedy, IL	151	84	15.9%
Germantown, IL	1,309	92	7.6%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
New Sarpy, LA	1,309	89	11.2%
Hurley, MS	1,309	96	3.8%
West Siloam Springs, OK	1,309	89	10.8%
Biglerville, PA	1,309	97	3.0%
Fairford (Part) 50, MB	1,309	n/a
Germantown, IL	1,309	92	7.6%