Cost of Living in Harrisburg, IL

With a cost of living index of 62, Harrisburg, IL is one of the most affordable cities in the country. Living here is 38% cheaper than the national average and 17% below the Illinois state average of 80. Harrisburg is a smaller community of 8,608 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Harrisburg's cost of living. The median monthly rent is $717 (46% below the US median of $1,319), and the median home value sits at $84,800 (72% below the national median of $304,900). At current prices, the median home costs roughly 1.7x the median household income — well within traditional affordability guidelines.

The median household income in Harrisburg is $48,488, which is 35% lower than the national median of $75,149. Residents spend roughly 18% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum. Lower incomes here are balanced by the significantly lower cost of living, stretching each dollar further.

Climate is another factor for anyone considering a move to Harrisburg. The area sees an average annual temperature of 56.4°F, with summers averaging 76°F and winters around 36°F. Annual rainfall totals 44 inches spread over roughly 130 days.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.