Cost of Living in Harwood Heights, IL

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C+
12%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
41%
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 Harwood Heights Illinois National
Cost of living11298100
Groceries99100100
Health care98100100
Housing14195100
Transportation101101100
Utilities9899100
Lifestyle & Entertainment102100100
Household Items100100100
Education & Childcare103100100
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Homes For Sale In Harwood Heights, IL

property for sale

6916 W Forest Preserve Dr

Harwood Heights, IL
property for sale

4401 N Newcastle Ave

Harwood Heights, IL
property for sale

4700 N Harlem Ave #306

Harwood Heights, IL
property for sale

4811 N Olcott Ave #515

Harwood Heights, IL

Cost Of Living Quick Facts

  • The cost of living in Harwood Heights is 14% higher than the Illinois average
  • The cost of living in Harwood Heights is 12% higher than the national average
  • Harwood Heights housing is 41% higher 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 Harwood Heights

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$136,677$11,390$3,189$4,101
      Renters$63,346$5,279$1,478$1,901
      The affordability of the housing market in Harwood Heights, IL as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Harwood Heights homeowners, the median income is $136,677. This indicates that a monthly maximum of $3,189 should be spent by homeowners on all housing related costs. Renters have a median income of $63,346. This indicates that renters would have a maximum of $1,478 for their rent related monthly costs.

      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.
      Hodgkins, IL1,8178316.9%
      Maywood, IL23,986963.6%
      Broadview, IL7,841990.9%
      Bellwood, IL19,287991.0%
      Cicero, IL84,3201000.3%
      Harwood Heights, IL8,62811212.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Mascoutah, IL8,629991.0%
      Denison, IA8,6308613.8%
      Millersville, PA8,6251011.4%
      Mason, MI8,624946.2%
      South Lockport, NY8,624909.7%
      Harwood Heights, IL8,62811212.4%
      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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