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Illinois

Cost of living in Hamilton County, IL

Estimated monthly cost
$2,762/mo
for a single person, all categories combined

Population 7,972 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $705 26%
Federal tax $514 19%
Healthcare $480 17%
Groceries $345 12%
Transport $320 12%
Energy $177 6%
State tax $171 6%
Water $50 2%

Rent in Hamilton County

Fair Market Rents by bedroom count.

Studio
$597
per month
1 bedroom
$705
per month
2 bedroom
$870
per month
3 bedroom
$1,177
per month
4 bedroom
$1,239
per month

Source: HUD FMR FY2025

Income and earnings in Hamilton County

Annual earnings figures from the Census ACS.

Household income
$61,520
per year
Individual earnings
$41,471
per year
Per capita
$35,585
per year

Source: ACS 2019-2023 5-Year.

Home values in Hamilton County

Average values reported by homeowners.

Average home value
$108,800
Annual property tax
$1,470

Source: ACS 2019-2023 5-Year

Energy costs in Hamilton 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 Hamilton County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.1%

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 Hamilton 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 Hamilton County

Commute patterns and estimated costs.

Average commute
26.5 min
Drive alone
86.3%
Public transit
0.4%
Work from home
3.4%

Source: ACS

Monthly cost estimates for Hamilton County

What it costs to live in Hamilton County each month.

Single person
$2,762
per month
  • Rent $705
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $514
  • State tax $171
Couple
$3,929
per month
  • Rent $870
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $677
  • State tax $254
Family
$6,381
per month
  • Rent $1,177
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $677
  • State tax $254

Frequently asked questions about Hamilton County

Common questions about cost of living, rent and salary.

What is the average rent in Hamilton County?

In Hamilton County, IL, a one-bedroom apartment averages $705 per month, a two-bedroom averages $870 per month, a three-bedroom averages $1,177 per month, according to HUD Fair Market Rent data.

What is the average salary in Hamilton County?

In Hamilton County, IL, the average household income is $61,520 per year and individual earnings for full-time workers average $41,471 per year, according to U.S. Census Bureau data.

What is the cost of living in Hamilton County?

The estimated cost of living in Hamilton County, IL is approximately $2,762 per month for a single person, $3,929 for a couple, $6,381 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Hamilton County?

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

Is Hamilton County an affordable place to live?

Based on the data, a single person in Hamilton County, IL would need approximately $2,762 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $61,520 per year ($5,127 per month). Hamilton County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Hamilton County?

The ACA marketplace benchmark premium in Hamilton County, IL is approximately $480 per month for an individual. Approximately 9.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Hamilton County?

The average home value in Hamilton County, IL is $108,800, with average annual property taxes of $1,470, according to U.S. Census Bureau data.

How does Hamilton County compare to other areas?

You can compare Hamilton County, IL with any other US county using our comparison tool at /compare. Hamilton County is in Illinois.

Other counties in Illinois

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

See all counties in Illinois

Compare Hamilton 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