Cost of living in Hardin County, IL
Population 3,623 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Hardin County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Hardin County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Hardin County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Hardin County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Hardin County
Insurance premiums and coverage rates.
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 Hardin County
State and local tax rates for Illinois.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Hardin County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Hardin County
What it costs to live in Hardin County each month.
- Rent $663
- Energy $177
- Water $50
- Groceries $345
- Transport $320
- Healthcare $480
- Federal tax $388
- State tax $139
- Rent $870
- Energy $212
- Water $60
- Groceries $572
- Transport $420
- Healthcare $864
- Federal tax $605
- State tax $236
- Rent $1,048
- Energy $266
- Water $70
- Groceries $867
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $605
- State tax $236
Frequently asked questions about Hardin County
Common questions about cost of living, rent and salary.
What is the average rent in Hardin County?
In Hardin County, IL, a one-bedroom apartment averages $663 per month, a two-bedroom averages $870 per month, a three-bedroom averages $1,048 per month, according to HUD Fair Market Rent data.
What is the average salary in Hardin County?
In Hardin County, IL, the average household income is $57,155 per year and individual earnings for full-time workers average $33,804 per year, according to U.S. Census Bureau data.
What is the cost of living in Hardin County?
The estimated cost of living in Hardin County, IL is approximately $2,562 per month for a single person, $3,839 for a couple, $6,162 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Hardin County?
The combined sales tax rate in Hardin County, IL is 8.82%, which includes the Illinois state rate of 6.25% plus an average local rate of 2.57%.
Is Hardin County an affordable place to live?
Based on the data, a single person in Hardin County, IL would need approximately $2,562 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $57,155 per year ($4,763 per month). Hardin County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Hardin County?
The ACA marketplace benchmark premium in Hardin County, IL is approximately $480 per month for an individual. Approximately 3.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Hardin County?
The average home value in Hardin County, IL is $91,700, with average annual property taxes of $1,078, according to U.S. Census Bureau data.
How does Hardin County compare to other areas?
You can compare Hardin County, IL with any other US county using our comparison tool at /compare. Hardin County is in Illinois.
Other counties in Illinois
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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