Harvey, IL Cost Of Living

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Harvey cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Index	Harvey	Illinois	National
Cost of living index	91	98	100
Index	Harvey	Illinois	National
Goods & Services index	109	98	100
Groceries index	104	97	100
Health care index	100	100	100
Housing index	53	95	100
Transportation index	125	112	100
Utilities index	93	97	100

The above illustration supplies generalized information for the Harvey, IL cost of living index. Compared to other cities in Illinois and cities across the country, the cost of living index in Harvey, IL is 91, which is 7% lower than the Illinois average and 9% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Harvey, IL are 12% higher than the average for Illinois and 9% higher than the rest of the country.

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The cost of living in Harvey is 7% lower than the Illinois average.
The cost of living in Harvey is 9% lower than the national average.
The cost of housing in Harvey is 47% lower than the national average.
Illinois general sales tax is 23% higher than the national average.
Illinois state income tax is 123% higher than the national average.

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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Use the salary calculator to compare your current salary in Harvey, IL to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Harvey, IL, then you would need to earn more income in order to maintain the same standard of living. To use the Harvey, IL salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$37,656	$3,138	$879	$1,130
Renters	$12,442	$1,037	$290	$373

A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Harvey, IL, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Harvey, IL has a median income of about $37,656 for people who own homes. Based on that number, a person should spend a maximum of $879 on expenses related to housing. Renters have a slightly different median income, which is $12,442. Based on this average, renters should spend no more than $290 on all of their rental costs if they want to maintain a non-impoverished standard of living.

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%

The Illinois sales tax and Illinois income tax rates should definitely be considered when determining the overall cost of living in Harvey, IL. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The Illinois sales tax is 6.25% and the maximum surtax is 10.25%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The Illinois income tax rates range from 4.95% to 4.95%.

Goods & Services

Item	Harvey	National avg.	Difference
Haircut	$22.00	$17.49	25.8%
Beauty Salon	$69.77	$38.17	82.8%
Toothpaste	$2.69	$2.32	15.9%
Shampoo	$0.92	$1.01	9.1%
Movie	$14.86	$10.72	38.6%
Bowling	$19.00	$13.86	37.1%

Groceries

Item	Harvey	National avg.	Difference
Ground Beef	$4.07	$3.90	4.4%
Fried Chicken	$1.74	$1.40	24.7%
Milk	$2.09	$1.96	6.5%
Potatoes	$3.74	$3.18	17.5%
Pizza	$10.00	$10.39	3.8%
Beer	$8.14	$9.23	11.8%

Health Care

Item	Harvey	National avg.	Difference
Optometrist	$97.00	$106.34	8.8%
Doctor	$105.00	$115.25	8.9%
Dentist	$102.00	$98.38	3.7%
Ibuprofen	$9.95	$9.26	7.4%
Lipitor	$494.16	$466.47	5.9%

Housing

Item	Harvey	National avg.	Difference
Home Price	$72,700.00	$184,700.00	60.6%
Avg. Mortgage Payment	$1,857.61	$1,273.32	45.9%
Apartment Rent	$817.00	$949.00	13.9%

Transportation

Item	Harvey	National avg.	Difference
Gasoline	$3.42	$2.59	31.8%
Tire Balancing	$57.00	$48.90	16.6%

Utilities

Item	Harvey	National avg.	Difference
All Electricity	$131.81	$167.60	21.4%
Phone	$200.46	$163.42	22.7%

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

City, State	Population	Cost of Living Index	National Avg.
Hodgkins, IL	1,960	87	-13%
Dixmoor, IL	3,614	89	-11%
Ford Heights, IL	2,775	90	-10%
East Chicago, IN	28,961	90	-10%
Hometown, IL	4,343	91	-9%
Harvey, IL	25,625	91	-9%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Soledad, CA	25,616	111	11%
Hazelwood, MO	25,604	87	-13%
Homewood, AL	25,652	107	7%
Temple Terrace, FL	25,654	97	-3%
Lebanon, PA	25,654	88	-12%
Harvey, IL	25,625	91	-9%

Source: The Harvey, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

Harvey, IL Cost of Living