Cost of Living in St. David, IL

With a cost of living index of 69, St. David, IL is one of the most affordable cities in the country. Living here is 31% cheaper than the national average and 11% below the Illinois state average of 80. St. David is a small community of 548 residents.

Housing costs are the biggest factor in St. David's cost of living. The median monthly rent is $1,000 (24% below the US median of $1,319), and the median home value sits at $60,200 (80% below the national median of $304,900). At current prices, the median home costs roughly 1.1x the median household income — well within traditional affordability guidelines.

The median household income in St. David is $55,324, which is 26% lower than the national median of $75,149. Residents spend roughly 22% 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 St. David. The area sees an average annual temperature of 52.7°F, with summers averaging 75°F and winters around 29°F. Annual rainfall totals 37.6 inches spread over roughly 117 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

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.