Cost Of Living in Spaulding, IL

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3%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

8%

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	Spaulding	Illinois	National
Cost of living	97	98	100
Groceries	98	100	100
Health care	101	100	100
Housing	92	95	100
Transportation	102	101	100
Utilities	99	99	100
Lifestyle & Entertainment	99	100	100
Household Items	99	100	100
Education & Childcare	95	100	100

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Cost Of Living Quick Facts

The cost of living in Spaulding is 1% lower than the Illinois average
The cost of living in Spaulding is 3% lower than the national average
Spaulding housing is 8% 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

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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	$169,689	$14,141	$3,959	$5,091
Renters	$51,725	$4,310	$1,207	$1,552

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, IL	73	99	1.1%
Clear Lake, IL	399	82	17.6%
Curran, IL	219	84	16.1%
Grandview, IL	1,420	85	14.6%
Mount Pulaski, IL	1,729	86	14.3%
Spaulding, IL	985	97	3.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Magnet Cove, AR	985	81	19.0%
Anacoco, LA	985	94	5.6%
Mantorville, MN	985	100	0.3%
Bloomingburg, OH	985	84	16.0%
Lake Koshkonong, WI	985	109	9.4%
Spaulding, IL	985	97	3.1%