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Bloomington, IL

Cost of living in McLean County, IL

Part of the Bloomington Metro Area

Estimated monthly cost
$2,928/mo
for a single person, all categories combined

Population 170,882 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $835 29%
Federal tax $543 19%
Healthcare $480 16%
Groceries $345 12%
Transport $320 11%
State tax $178 6%
Energy $177 6%
Water $50 2%

Rent in McLean County

Fair Market Rents by bedroom count.

Studio
$770
per month
1 bedroom
$835
per month
2 bedroom
$1,080
per month
3 bedroom
$1,426
per month
4 bedroom
$1,432
per month

Source: HUD FMR FY2025

Income and earnings in McLean County

Annual earnings figures from the Census ACS.

Household income
$78,329
per year
Individual earnings
$43,228
per year
Per capita
$42,362
per year

Source: ACS 2019-2023 5-Year.

Home values in McLean County

Average values reported by homeowners.

Average home value
$198,300
Annual property tax
$4,503

Source: ACS 2019-2023 5-Year

Energy costs in McLean 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 McLean 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 McLean 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 McLean County

Commute patterns and estimated costs.

Average commute
18.5 min
Drive alone
71.0%
Public transit
0.8%
Work from home
15.8%

Source: ACS

Monthly cost estimates for McLean County

What it costs to live in McLean County each month.

Single person
$2,928
per month
  • Rent $835
  • Energy $177
  • Water $50
  • Groceries $345
  • Transport $320
  • Healthcare $480
  • Federal tax $543
  • State tax $178
Couple
$4,483
per month
  • Rent $1,080
  • Energy $212
  • Water $60
  • Groceries $572
  • Transport $420
  • Healthcare $864
  • Federal tax $952
  • State tax $323
Family
$6,974
per month
  • Rent $1,426
  • Energy $266
  • Water $70
  • Groceries $867
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $952
  • State tax $323

Frequently asked questions about McLean County

Common questions about cost of living, rent and salary.

What is the average rent in McLean County?

In McLean County, IL, a one-bedroom apartment averages $835 per month, a two-bedroom averages $1,080 per month, a three-bedroom averages $1,426 per month, according to HUD Fair Market Rent data.

What is the average salary in McLean County?

In McLean County, IL, the average household income is $78,329 per year and individual earnings for full-time workers average $43,228 per year, according to U.S. Census Bureau data.

What is the cost of living in McLean County?

The estimated cost of living in McLean County, IL is approximately $2,928 per month for a single person, $4,483 for a couple, $6,974 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in McLean County?

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

Is McLean County an affordable place to live?

Based on the data, a single person in McLean County, IL would need approximately $2,928 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $78,329 per year ($6,527 per month). McLean County is relatively affordable compared to the national average.

How much does healthcare cost in McLean County?

The ACA marketplace benchmark premium in McLean 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 McLean County?

The average home value in McLean County, IL is $198,300, with average annual property taxes of $4,503, according to U.S. Census Bureau data.

How does McLean County compare to other areas?

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