Cost of Living in Rochester, IL

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3%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
13%
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 Rochester Illinois National
Cost of living10398100
Groceries98100100
Health care101100100
Housing11395100
Transportation102101100
Utilities9999100
Lifestyle & Entertainment99100100
Household Items99100100
Education & Childcare95100100
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Homes For Sale In Rochester, IL

property for sale

1375 Wyndmoor Dr

Rochester, IL
property for sale

6487 Rentshler Rd

Rochester, IL
property for sale

4 Riverwood Dr

Rochester, IL
property for sale

536 Karen Rose Dr

Rochester, IL

Cost Of Living Quick Facts

  • The cost of living in Rochester is 5% higher than the Illinois average
  • The cost of living in Rochester is 3% higher than the national average
  • Rochester housing is 13% 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 Rochester

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Compare Rochester, IL Cost of Living

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      Utilities index
      Lifestyle 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$147,323$12,277$3,437$4,420
      Renters$44,791$3,733$1,045$1,344
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Rochester, IL, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Rochester, homeowners have a median income of $147,323. Using that number, a maximum of $3,437 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $44,791, which means there is a maximum of $1,045 to be spent on the costs of renting a home or apartment.

      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.
      Cornland, IL73991.1%
      Jeisyville, IL607821.9%
      Tovey, IL6008119.0%
      Clear Lake, IL3998217.6%
      Bulpitt, IL2448316.7%
      Rochester, IL3,9141033.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Lancaster, KY3,9148415.6%
      New Hope, MS3,914945.6%
      Clyde, TX3,9158911.2%
      Carrollton, KY3,9118713.2%
      Ridgway, PA3,9178317.2%
      Rochester, IL3,9141033.3%
      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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