A-
3%
Overall NAT. AVG.
0%
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 Shiloh Illinois National
Cost of living10398100
Groceries100100100
Health care98100100
Housing11395100
Transportation100101100
Utilities10299100
Lifestyle & Entertainment97100100
Household Items98100100
Education & Childcare99100100
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An Overview of Cost of Living in Shiloh, IL

Are you thinking about relocating, but curious about the potential cost of living in Shiloh? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Shiloh stands at 103, making it 3% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

The cost of living in Shiloh closely mirrors the national average in comparison to other cities nationwide. Essential items such as groceries, houshold expenses, health care and utilities are priced at a level consistent with similar urban areas. This means that residents of Shiloh can anticipate that their daily expenses will remain reasonably in line with those of an average city, contributing to a manageable cost of living.

Is Shiloh Affordable?

Is Shiloh an affordable place to live? That's a valid question to ask when you're thinking about moving to a new city. After all, how much it costs to live somewhere can be a huge factor in your decision. Affordability can be broken down into 3 common categories. The cost of living index (we talked about it earlier), housing expenses and income levels all play a big role in figuring out if a place is affordable. For instance, in Shiloh, the median home price is 21.1% higher than what most folks pay across the country, and monthly rent prices are 7.5% lower than the usual rates. Income levels in Shiloh come in at $129,539, which is 59.3% higher than the national average.

What Factors can Influence the Cost of Living in Shiloh?

Taxes: Locations with elevated tax rates, encompassing both sales and income taxes, can be a factor in driving up the cost of living. When you're paying more in taxes for everyday household expenses, it naturally translates into higher expenses. Similarly, a higher income tax rate can also contribute to an overall higher cost of living. In Shiloh, the standard sales tax rate starts at 6.25%, and the income tax rates commence at 4.95%.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Shiloh, the groceries index is 0.3% higher than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Shiloh, healthcare costs are 2.4% lower than the national average.

Where is the Data From?

The Shiloh cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.

Cost Of Living Quick Facts

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

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Compare Shiloh, IL Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$161,784$13,482$3,775$4,854
      Renters$62,508$5,209$1,458$1,875
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Shiloh, IL, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Shiloh homeowners, is $161,784. This would allow for a maximum of $3,775 per month to be spent on housing costs. For renters, the median monthly income is $62,508 which would result in a maximum of $1,458 to be spent on rental costs.

      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.
      Floraville, IL31991.4%
      Rentchler, IL4991.4%
      Paderborn, IL68991.4%
      Brooklyn, IL4457426.2%
      East St. Louis, IL27,0337722.5%
      Shiloh, IL13,8701033.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Gatesville, TX13,8758811.6%
      North Valley, NM13,861991.2%
      Ardmore, PA13,88212625.5%
      Soddy-Daisy, TN13,883936.9%
      Dardenne Prairie, MO13,88411414.2%
      Shiloh, IL13,8701033.2%
      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.