Cost of Living in Litchfield, IL

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15%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
48%
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 Litchfield Illinois National
Cost of living8598100
Groceries98100100
Health care101100100
Housing5295100
Transportation102101100
Utilities9999100
Lifestyle & Entertainment99100100
Household Items99100100
Education & Childcare95100100
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Homes For Sale In Litchfield, IL

property for sale

803 N State St

Litchfield, IL
property for sale

716 N Jefferson St

Litchfield, IL
property for sale

10198 S Old Route 66

Litchfield, IL
property for sale

4159 Monke Ave

Litchfield, IL
See the Newest Homes For Sale In Litchfield, IL

Cost Of Living Quick Facts

  • The cost of living in Litchfield is 14% lower than the Illinois average
  • The cost of living in Litchfield is 15% lower than the national average
  • Litchfield housing is 48% 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 Litchfield

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      Health care index
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      Transportation index
      Utilities 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$90,128$7,511$2,103$2,704
      Renters$25,954$2,163$606$779
      A good way to judge both the affordability of the housing and the cost of living in Litchfield is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Litchfield has a median income of about $90,128 for people who own homes. Based on that number, a maximum of $2,103 should be spent on expenses related to housing. Renters have a slightly different median income, which is $25,954. Based on this average, renters should spend no more than $606 on all 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Walshville, IL247990.7%
      Irving, IL3487822.4%
      Eagarville, IL1747921.2%
      Sorento, IL5158020.0%
      Waggoner, IL1928020.2%
      Litchfield, IL6,8498515.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Woodfin, NC6,84911110.8%
      Scenic Oaks, TX6,84813131.2%
      Pocahontas, AR6,8458118.5%
      Hamilton, AL6,8538416.1%
      Notre Dame, IN6,853909.5%
      Litchfield, IL6,8498515.2%
      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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