Cost Of Living in Spring Bay, IL

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8%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

28%

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	Spring Bay	Illinois	National
Cost of living	92	98	100
Groceries	97	100	100
Health care	101	100	100
Housing	72	95	100
Transportation	101	101	100
Utilities	103	99	100
Lifestyle & Entertainment	101	100	100
Household Items	100	100	100
Education & Childcare	101	100	100

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Cost Of Living Quick Facts

The cost of living in Spring Bay is 7% lower than the Illinois average
The cost of living in Spring Bay is 8% lower than the national average
Spring Bay housing is 28% 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	$73,820	$6,152	$1,722	$2,215
Renters	$32,930	$2,744	$768	$988

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.
Creve Coeur, IL	5,261	85	15.3%
Washburn, IL	1,131	86	13.8%
Sparland, IL	406	87	12.7%
Peoria Heights, IL	6,052	87	12.5%
Lacon, IL	1,837	88	11.9%
Spring Bay, IL	490	92	8.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Garden Valley, ID	490	111	11.2%
Karnak, IL	490	80	19.6%
Williams Creek, IN	490	205	105.3%
Naytahwaush, MN	490	82	17.7%
White Earth, MN	490	81	19.1%
Spring Bay, IL	490	92	8.3%