Cost Of Living in Joy, IL

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15%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

51%

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	Joy	Illinois	National
Cost of living	85	98	100
Groceries	102	100	100
Health care	98	100	100
Housing	49	95	100
Transportation	102	101	100
Utilities	99	99	100
Lifestyle & Entertainment	101	100	100
Household Items	102	100	100
Education & Childcare	97	100	100

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Homes For Sale In Joy, IL

201 E May St

Joy, IL

Cost Of Living Quick Facts

The cost of living in Joy is 14% lower than the Illinois average
The cost of living in Joy is 15% lower than the national average
Joy housing is 51% 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	$84,208	$7,017	$1,965	$2,526
Renters	$51,005	$4,250	$1,190	$1,530

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.
Keithsburg, IL	538	80	20.2%
Seaton, IL	287	81	18.6%
Little York, IL	432	84	16.4%
New Boston, IL	530	84	15.7%
Oakville, IA	213	85	15.5%
Joy, IL	301	85	15.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
San Miguel, AZ	301	102	2.2%
Clear Creek, CA	301	112	12.5%
Iron Horse, CA	301	109	8.6%
Tall Timber, CO	301	221	121.3%
Holland, IA	301	81	19.4%
Joy, IL	301	85	15.2%