A+
4%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
14%
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 Zion Illinois National
Cost of living9698100
Groceries101100100
Health care100100100
Housing8695100
Transportation101101100
Utilities10399100
Lifestyle & Entertainment99100100
Household Items99100100
Education & Childcare101100100
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An Overview of Cost of Living in Zion, IL

Getting a feel for the cost of living in Zion is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Zion is 96, which is 4% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

In Zion, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Zion will resemble that of an average city, contributing to a manageable cost of living.

Is Zion Affordable?

Is Zion an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Zion is 26% lower than the national average, while the average monthly rent prices are 14.7% higher than average. The affordability of any location can also be influenced by median income levels. Zion has a median household income of $85,931, which is 5.7% higher than the national average.

What Factors can Influence the Cost of Living in Zion?

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Taxes: Cities that impose higher taxes, including sales and income taxes, can contribute to an escalated cost of living. The added expense of taxes on everyday goods like clothing and food naturally results in higher overall costs. Similarly, a higher income tax rate can further elevate the cost of living. In Zion, the general sales tax rate starts at 6.25%, and income tax rates begin at 4.95%.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Zion, the groceries index is 1.3% higher than the national average.

Where is the Data From?

The cost of living estimates displayed for Zion are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.

Cost Of Living Quick Facts

  • The cost of living in Zion is 2% lower than the Illinois average
  • The cost of living in Zion is 4% lower than the national average
  • Zion housing is 14% 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 Zion

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Compare Zion, IL Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$105,287$8,774$2,457$3,159
      Renters$48,205$4,017$1,125$1,446
      A good indicator of the general affordability of housing in Zion, IL, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Zion, the median monthly income is $105,287 for those who own their own homes. Under the standard rule, that income level would allow for $2,457 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $48,205, per the median income in the area. That would allow for renters to spend up to $1,125 on monthly rental expenses.

      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.
      Park City, IL7,8948218.2%
      North Chicago, IL30,865955.0%
      Round Lake Park, IL8,005955.3%
      Waukegan, IL90,063964.1%
      Kenosha, WI102,872963.8%
      Zion, IL24,329963.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Windsor, CO24,32413737.4%
      Searcy, AR24,322919.4%
      Romulus, MI24,3368910.6%
      Anthem, AZ24,32013029.6%
      Allendale, MI24,3461032.6%
      Zion, IL24,329963.7%
      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.