Decatur, IL vs Oswego, IL

The cost of living difference between Decatur, IL and Oswego, IL is dramatic. Decatur is 46.8% cheaper than Oswego, a gap that translates to thousands of dollars per year in household expenses. Decatur has a cost index of 62 while Oswego sits at 117, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Decatur is $796/month compared to $1,823/month in Oswego — a 56% difference. Home values follow the same pattern: Decatur is more affordable at $97,300 median vs $319,000.

Median household income in Decatur is $50,809 compared to $119,881 in Oswego (-57.6%). While Oswego is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Decatur spend roughly 18.8% of their income on rent, more than the 18.2% in Oswego.