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Chicago-Naperville-Elgin, IL-IN

Cost of living in Kendall County, IL

Part of the Chicago Metro Area

Estimated monthly cost
$3,732/mo
for a single person, all categories combined

Population 135,053 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,438 39%
Federal tax $703 19%
Healthcare $480 13%
Groceries $345 9%
Transport $320 9%
State tax $219 6%
Energy $177 5%
Water $50 1%

Rent in Kendall County

Fair Market Rents by bedroom count.

Studio
$1,428
per month
1 bedroom
$1,438
per month
2 bedroom
$1,886
per month
3 bedroom
$2,643
per month
4 bedroom
$2,730
per month

Source: HUD FMR FY2025

Income and earnings in Kendall County

Annual earnings figures from the Census ACS.

Household income
$110,474
per year
Individual earnings
$53,001
per year
Per capita
$43,127
per year

Source: ACS 2019-2023 5-Year.

Home values in Kendall County

Average values reported by homeowners.

Average home value
$298,900
Annual property tax
$7,556

Source: ACS 2019-2023 5-Year

Energy costs in Kendall 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 Kendall County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.4%

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 Kendall 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 Kendall County

Commute patterns and estimated costs.

Average commute
32.9 min
Drive alone
77.4%
Public transit
1.0%
Work from home
13.6%

Source: ACS

Monthly cost estimates for Kendall County

What it costs to live in Kendall County each month.

Single person
$3,732
per month
  • Rent $1,438
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $703
  • State tax $219
Couple
$5,948
per month
  • Rent $1,886
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $1,478
  • State tax $456
Family
$8,850
per month
  • Rent $2,643
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,478
  • State tax $456

Frequently asked questions about Kendall County

Common questions about cost of living, rent and salary.

What is the average rent in Kendall County?

In Kendall County, IL, a one-bedroom apartment averages $1,438 per month, a two-bedroom averages $1,886 per month, a three-bedroom averages $2,643 per month, according to HUD Fair Market Rent data.

What is the average salary in Kendall County?

In Kendall County, IL, the average household income is $110,474 per year and individual earnings for full-time workers average $53,001 per year, according to U.S. Census Bureau data.

What is the cost of living in Kendall County?

The estimated cost of living in Kendall County, IL is approximately $3,732 per month for a single person, $5,948 for a couple, $8,850 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Kendall County?

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

Is Kendall County an affordable place to live?

Based on the data, a single person in Kendall County, IL would need approximately $3,732 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $110,474 per year ($9,206 per month). Kendall County is relatively affordable compared to the national average.

How much does healthcare cost in Kendall County?

The ACA marketplace benchmark premium in Kendall County, IL is approximately $480 per month for an individual. Approximately 4.4% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Kendall County?

The average home value in Kendall County, IL is $298,900, with average annual property taxes of $7,556, according to U.S. Census Bureau data.

How does Kendall County compare to other areas?

You can compare Kendall County, IL with any other US county using our comparison tool at /compare. Kendall County is in the Chicago-Naperville-Elgin, IL-IN 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 Kendall 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