Cost of Living in Girard, IL

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15%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
47%
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 Girard Illinois National
Cost of living8598100
Groceries98100100
Health care101100100
Housing5395100
Transportation102101100
Utilities9999100
Lifestyle & Entertainment99100100
Household Items99100100
Education & Childcare95100100
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Homes For Sale In Girard, IL

property for sale

30336 Sunset Dr

Girard, IL
property for sale

38 Wedgewood Ln

Girard, IL
property for sale

419 S 5th St

Girard, IL
property for sale

14201 Williamson Rd

Virden, IL
See the Newest Homes For Sale In Girard, IL

Cost Of Living Quick Facts

  • The cost of living in Girard is 13% lower than the Illinois average
  • The cost of living in Girard is 15% lower than the national average
  • Girard housing is 47% 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 Girard

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Compare Girard, IL Cost of Living

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      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$77,141$6,428$1,800$2,314
      Renters$46,135$3,845$1,076$1,384

      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.
      Waggoner, IL1928020.2%
      Nilwood, IL1968020.1%
      Harvel, IL2538119.2%
      Modesto, IL2278217.9%
      Palmyra, IL6638316.6%
      Girard, IL1,7698514.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Quincy, CA1,76912626.5%
      Mancelona, MI1,7698515.1%
      Heidelberg, TX1,7697723.4%
      Chambord, QC1,769n/a 
      Beaver Dam, AZ1,7688713.4%
      Girard, IL1,7698514.9%
      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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