St. Joseph cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSt. JosephIllinoisNational
Cost of living index9499100
IndexSt. JosephIllinoisNational
Goods & Services index94101100
Groceries index9197100
Health care index94101100
Housing index8795100
Transportation index97105100
Utilities index11496100
A general summary of the cost of living index in St. Joseph, IL is shown above. Compared to the state average of Illinois the cost of living index in St. Joseph, IL is 94, which is 5% lower than the average in Illinois and compared to the national average it is 6% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In St. Joseph, IL goods and services come in at 7% lower than the average in Illinois and are 6% lower than compared to the nationwide average.

Did you know?

  • The cost of living in St. Joseph is 5% lower than the Illinois average.
  • The cost of living in St. Joseph is 6% lower than the national average.
  • The cost of housing in St. Joseph is 13% lower than the national average.
  • Illinois general sales tax is 23% higher than the national average.
  • Illinois state income tax is 69% higher than the national average.

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Salary Calculator

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Use the salary calculator to compare your current income in St. Joseph, IL to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of St. Joseph, IL, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the St. Joseph, IL salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
One can approximate the cost of living and the housing affordability in St. Joseph, IL by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in St. Joseph, IL have a median income of $85,774. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,001 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

StateGeneral Sales TaxWith Max Surtax

Illinois Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in St. Joseph, IL and want to know what the true cost of living is, they ought to look at both the Illinois income tax rate and the Illinois sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Illinois, the sales tax is 6.25%, while the most you'll pay in surtax is 10.25%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Illinois, the income tax rate ranges between 3.75% to 3.75%.

Goods & Services

ItemSt. JosephNational avg.Difference
Haircut $21.25$16.0932.1%
Beauty Salon $36.72$37.331.6%
Toothpaste $2.98$2.4521.9%
Shampoo $1.02$1.002.3%
Movie $10.00$10.282.7%
Bowling $5.50$4.9311.5%


ItemSt. JosephNational avg.Difference
Ground Beef $4.07$3.807.1%
Fried Chicken $1.26$1.409.6%
Milk $1.96$2.012.5%
Potatoes $3.06$3.011.6%
Pizza $10.74$9.898.6%
Beer $8.37$8.905.9%

Health Care

ItemSt. JosephNational avg.Difference
Optometrist $75.87$102.1625.7%
Doctor $82.05$108.3624.3%
Dentist $95.67$92.533.4%
Ibuprofen $11.14$9.2820.1%
Lipitor $424.61$425.820.3%


ItemSt. JosephNational avg.Difference
Home Price $166,500.00$184,700.009.9%
Avg. Mortgage Payment $1,007.20$1,202.4416.2%
Apartment Rent $750.00$949.0021.0%


ItemSt. JosephNational avg.Difference
Gasoline $2.29$2.241.9%
Tire Balancing $39.61$46.2914.4%


ItemSt. JosephNational avg.Difference
All Electricity$168.12$165.961.3%
Phone $36.97$28.6828.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Sidell, IL52081-19%
Muncie, IL19483-17%
Fairmount, IL62284-16%
Thomasboro, IL1,12283-17%
Potomac, IL67585-15%
St. Joseph, IL4,10994-6%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rice Lake, MN4,10999-1%
Oliver Springs, TN4,11079-21%
Fort Gibson, OK4,11183-17%
Rumford, ME4,11190-10%
Lakewood, IL4,11113030%
St. Joseph, IL4,10994-6%
Source: The St. Joseph, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.