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Rockford, IL

Cost of living in Boone County, IL

Part of the Rockford Metro Area

Estimated monthly cost
$2,973/mo
for a single person, all categories combined

Population 53,316 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $900 30%
Federal tax $527 18%
Healthcare $480 16%
Groceries $345 12%
Transport $320 11%
Energy $177 6%
State tax $174 6%
Water $50 2%

Rent in Boone County

Fair Market Rents by bedroom count.

Studio
$810
per month
1 bedroom
$900
per month
2 bedroom
$1,181
per month
3 bedroom
$1,561
per month
4 bedroom
$1,603
per month

Source: HUD FMR FY2025

Income and earnings in Boone County

Annual earnings figures from the Census ACS.

Household income
$81,638
per year
Individual earnings
$42,283
per year
Per capita
$38,437
per year

Source: ACS 2019-2023 5-Year.

Home values in Boone County

Average values reported by homeowners.

Average home value
$198,600
Annual property tax
$4,507

Source: ACS 2019-2023 5-Year

Energy costs in Boone County

Estimated monthly electricity and gas costs.

Electricity
$116
per month · 16.5¢/kWh
Natural gas
$61
per month
Annual total
$2,124
per year

Source: EIA

Healthcare in Boone County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.8%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Boone County

State and local tax rates for Illinois.

State income tax
5.0%
Flat rate
State sales tax
6.3%
Combined sales tax
8.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Boone County

Commute patterns and estimated costs.

Average commute
27.3 min
Drive alone
77.0%
Public transit
0.5%
Work from home
9.4%

Source: ACS

Monthly cost estimates for Boone County

What it costs to live in Boone County each month.

Single person
$2,973
per month
  • Rent $900
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $527
  • State tax $174
Couple
$4,652
per month
  • Rent $1,181
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $1,006
  • State tax $337
Family
$7,177
per month
  • Rent $1,561
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,006
  • State tax $337

Frequently asked questions about Boone County

Common questions about cost of living, rent and salary.

What is the average rent in Boone County?

In Boone County, IL, a one-bedroom apartment averages $900 per month, a two-bedroom averages $1,181 per month, a three-bedroom averages $1,561 per month, according to HUD Fair Market Rent data.

What is the average salary in Boone County?

In Boone County, IL, the average household income is $81,638 per year and individual earnings for full-time workers average $42,283 per year, according to U.S. Census Bureau data.

What is the cost of living in Boone County?

The estimated cost of living in Boone County, IL is approximately $2,973 per month for a single person, $4,652 for a couple, $7,177 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Boone County?

The combined sales tax rate in Boone County, IL is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.

Is Boone County an affordable place to live?

Based on the data, a single person in Boone County, IL would need approximately $2,973 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $81,638 per year ($6,803 per month). Boone County is relatively affordable compared to the national average.

How much does healthcare cost in Boone County?

The ACA marketplace benchmark premium in Boone County, IL is approximately $480 per month for an individual. Approximately 4.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Boone County?

The average home value in Boone County, IL is $198,600, with average annual property taxes of $4,507, according to U.S. Census Bureau data.

How does Boone County compare to other areas?

You can compare Boone County, IL with any other US county using our comparison tool at /compare. Boone County is in the Rockford, IL metro area.

Other counties in Illinois

Browse the full list of counties in Illinois, ranked by cost of living.

See all counties in Illinois

Compare Boone County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources