Cost of Living in Rock Falls, IL

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18%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
52%
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 Rock Falls Illinois National
Cost of living8298100
Groceries97100100
Health care97100100
Housing4895100
Transportation97101100
Utilities9399100
Lifestyle & Entertainment96100100
Household Items96100100
Education & Childcare97100100
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Homes For Sale In Rock Falls, IL

property for sale

10340 Hoover Rd

Rock Falls, IL
property for sale

1001 Sunset Dr

Rock Falls, IL
property for sale

31769 E Thome Rd

Rock Falls, IL
property for sale

3311 Island View Rd

Rock Falls, IL

Cost Of Living Quick Facts

  • The cost of living in Rock Falls is 17% lower than the Illinois average
  • The cost of living in Rock Falls is 18% lower than the national average
  • Rock Falls housing is 52% 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 Rock Falls

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Compare Rock Falls, IL Cost of Living

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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$85,924$7,160$2,005$2,578
      Renters$35,639$2,970$832$1,069
      A good indicator of the general affordability of housing in Rock Falls, 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 Rock Falls, the median monthly income is $85,924 for those who own their own homes. Under the standard rule, that income level would allow for $2,005 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $35,639, per the median income in the area. That would allow for renters to spend up to $832 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.
      Deer Grove, IL347723.0%
      Harmon, IL1508416.0%
      Milledgeville, IL1,0148317.0%
      Nelson, IL1388316.8%
      Ohio, IL5208514.6%
      Rock Falls, IL9,1528218.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Pineville, NC9,1511098.8%
      Port Wentworth, GA9,1531044.3%
      Plainedge, NY9,14914646.4%
      Willow Street, PA9,14811716.5%
      Lorraine, QC9,148n/a 
      Rock Falls, IL9,1528218.2%
      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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