Cost of Living in Pontoon Beach, IL

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12%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
29%
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 Pontoon Beach Illinois National
Cost of living8898100
Groceries96100100
Health care95100100
Housing7195100
Transportation97101100
Utilities9599100
Lifestyle & Entertainment94100100
Household Items95100100
Education & Childcare94100100
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Homes For Sale In Pontoon Beach, IL

property for sale

4172 State Route 162

Granite City, IL
property for sale

104 Central Ave

Granite City, IL
property for sale

4074 Breckenridge Ln

Granite City, IL
property for sale

3752 Kristine Dr

Granite City, IL

Cost Of Living Quick Facts

  • The cost of living in Pontoon Beach is 11% lower than the Illinois average
  • The cost of living in Pontoon Beach is 12% lower than the national average
  • Pontoon Beach housing is 29% 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 Pontoon Beach

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      Salary Calculator

      This is how much you would need to earn in
      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$94,867$7,906$2,213$2,846
      Renters$47,028$3,919$1,097$1,411
      A good indicator of the general affordability of housing in Pontoon Beach, IL, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Pontoon Beach, the median monthly income is $94,867 for those who own their own homes. Under the standard rule, that income level would allow for $2,213 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $47,028, per the median income in the area. That would allow for renters to spend up to $1,097 on monthly rental expenses.

      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.
      Rentchler, IL4991.4%
      Brooklyn, IL4457426.2%
      East St. Louis, IL27,0337722.5%
      Alorton, IL2,1497822.3%
      East Carondelet, IL3307822.2%
      Pontoon Beach, IL5,9938812.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Oreland, PA5,99312019.6%
      Sylvester, GA5,9918812.5%
      Linglestown, PA5,9901043.8%
      White City, UT5,99011716.9%
      Cave Creek, AZ5,98912727.4%
      Pontoon Beach, IL5,9938812.1%
      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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