Cost of Living in St. Joseph, IL

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2%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
4%
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 St. Joseph Illinois National
Cost of living9898100
Groceries99100100
Health care98100100
Housing9695100
Transportation99101100
Utilities9799100
Lifestyle & Entertainment100100100
Household Items102100100
Education & Childcare101100100
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Homes For Sale In St. Joseph, IL

property for sale

1708 Magnolia Dr

Saint Joseph, IL
property for sale

108 S 5th St

Saint Joseph, IL
property for sale

2123 County Road 1700 N

Saint Joseph, IL
property for sale

510 Winston Dr

Saint Joseph, IL

Cost Of Living Quick Facts

  • The cost of living in St. Joseph is equal to the Illinois average
  • The cost of living in St. Joseph is 2% lower than the national average
  • St. Joseph housing is 4% 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 St. Joseph

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      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$151,394$12,616$3,532$4,542
      Renters$0$0$0$0
      To approximate the cost of living and the housing affordability in St. Joseph, IL, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in St. Joseph have a median income of $151,394. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,532 per month to avoid calamity and poverty. The renters in the city have an income of about $0, which would make their monthly maximum allowable rental costs $0.

      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.
      Sidell, IL5088317.3%
      Potomac, IL7698416.0%
      Fairmount, IL5528415.6%
      Allerton, IL2748514.6%
      Oakwood, IL1,5618614.0%
      St. Joseph, IL4,205981.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Pipestone, MN4,2058217.7%
      Perth South, ON4,205n/a 
      Vermilion, AB4,205n/a 
      Saint-Antonin, QC4,204n/a 
      Hazlehurst, GA4,2068514.5%
      St. Joseph, IL4,205981.7%
      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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