Cost Of Living in Ruma, IL

Get 300+ Local Insights for Any Address in Ruma, IL

Get Access to 300+ Local Data Points

A+

9%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

26%

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	Ruma	Illinois	National
Cost of living	91	98	100
Groceries	99	100	100
Health care	100	100	100
Housing	74	95	100
Transportation	100	101	100
Utilities	97	99	100
Lifestyle & Entertainment	96	100	100
Household Items	99	100	100
Education & Childcare	99	100	100

Does this Area Fit Your Budget?

Know the community before you call it home
Compare multiple areas side by side
Access over 300 data points for any address

GET REPORT →

Cost Of Living Quick Facts

The cost of living in Ruma is 7% lower than the Illinois average
The cost of living in Ruma is 9% lower than the national average
Ruma housing is 26% 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 Ruma

See all the best places to live around Ruma

Compare Ruma, IL Cost of Living

Write a review to give others more information about this area.

See all Ruma poll results

The best places in Illinois

Here are the best places to live in Illinois

Check out the 10 safest cities in Illinois

Check out the 10 most dangerous cities in Illinois

These are the largest cities in Illinois

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	$136,088	$11,341	$3,175	$4,083
Renters	$46,371	$3,864	$1,082	$1,391

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.
Darmstadt, IL	0	99	1.4%
Evansville, IL	790	81	18.9%
Ellis Grove, IL	322	83	16.8%
Marissa, IL	1,297	84	16.3%
Lenzburg, IL	423	84	15.8%
Ruma, IL	456	91	8.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Emmet, AR	456	77	23.3%
Fort Thomas, AZ	456	95	4.7%
Sugar City, CO	456	91	8.6%
Cannondale, CT	456	109	9.3%
Prairie du Rocher, IL	456	83	17.3%
Ruma, IL	456	91	8.9%