Cost of Living in Vandalia, IL

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15%
Overall NAT. AVG.
0%
Groceries NAT. AVG.
49%
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 Vandalia Illinois National
Cost of living8598100
Groceries100100100
Health care98100100
Housing5195100
Transportation100101100
Utilities10299100
Lifestyle & Entertainment97100100
Household Items98100100
Education & Childcare99100100
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Homes For Sale In Vandalia, IL

property for sale

638 S 5th St

Vandalia, IL
property for sale

229 N 1st St

Vandalia, IL
property for sale

2805 Bear Creek Dr

Vandalia, IL
property for sale

1220 W Edwards St

Vandalia, IL
See the Newest Homes For Sale In Vandalia, IL

Cost Of Living Quick Facts

  • The cost of living in Vandalia is 14% lower than the Illinois average
  • The cost of living in Vandalia is 15% lower than the national average
  • Vandalia housing is 49% 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 Vandalia

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Compare Vandalia, IL Cost of Living

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      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$64,205$5,350$1,498$1,926
      Renters$33,204$2,767$775$996
      To approximate the cost of living and the housing affordability in Vandalia, 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 Vandalia have a median income of $64,205. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,498 per month to avoid calamity and poverty. The renters in the city have an income of about $33,204, which would make their monthly maximum allowable rental costs $775.

      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.
      Bingham, IL90990.7%
      Smithboro, IL2228020.5%
      Coffeen, IL6598019.5%
      St. Peter, IL4568118.6%
      Kinmundy, IL9428118.5%
      Vandalia, IL6,8548515.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Contra Costa Centre, CA6,85418584.9%
      Hamilton, AL6,8538416.1%
      Notre Dame, IN6,853909.5%
      Logan, OH6,8538614.1%
      Folcroft, PA6,856946.1%
      Vandalia, IL6,8548515.3%
      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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