Cost Of Living in Hartford, IL

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17%

Overall NAT. AVG.

2%

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	Hartford	Illinois	National
Cost of living	83	98	100
Groceries	99	100	100
Health care	93	100	100
Housing	53	95	100
Transportation	97	101	100
Utilities	96	99	100
Lifestyle & Entertainment	94	100	100
Household Items	97	100	100
Education & Childcare	96	100	100

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Homes For Sale In Hartford, IL

121 W Maple St

Hartford, IL

Cost Of Living Quick Facts

The cost of living in Hartford is 15% lower than the Illinois average
The cost of living in Hartford is 17% lower than the national average
Hartford 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

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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	$59,946	$4,996	$1,399	$1,799
Renters	$53,876	$4,490	$1,257	$1,616

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.
Brooklyn, IL	445	74	26.2%
East St. Louis, IL	27,033	77	22.5%
Kinloch, MO	344	79	20.8%
Washington Park, IL	3,994	79	21.4%
Madison, IL	3,040	79	21.2%
Hartford, IL	1,820	83	16.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Montour Falls, NY	1,820	92	7.6%
Rancho Tehama Reserve, CA	1,819	106	6.4%
Heritage Pines, FL	1,821	100	0.2%
Paulina, LA	1,819	122	21.6%
Rosepine, LA	1,821	91	9.5%
Hartford, IL	1,820	83	16.8%