Rock Island, IL

Very Low · 52

Illinois · Population 36,758 · Updated March 2026

$819
Median Rent / Month
$57,292
Median Income
$118,400
Median Home Value
$873
Owner Costs / Month

Affordability

How far your income goes in Rock Island

17.2%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Illinois

State-level tax rates that affect your costs

4.95%
Income Tax (Top Rate)
6.25%
Sales Tax
2.07%
Property Tax Rate

Estimated Annual Costs

$9,828
Annual Rent
$2,836
State Income Tax
$2,451
Property Tax (est.)

Cost of Living Overview

Rock Island is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 52 (where 100 equals the national median), Rock Island residents can expect to pay median rent of $819/month while earning a median household income of $57,292/year.

The median home value in Rock Island, IL is $118,400, with typical monthly owner costs around $873 including mortgage, insurance, and taxes. The median rent-to-income ratio of 17.2% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Illinois has a moderate income tax rate of 4.95%. Combined with a 6.25% sales tax rate and 2.07% effective property tax rate, the overall tax environment is a factor in the total cost of living in Rock Island.

Frequently Asked Questions

Common questions about living costs in Rock Island

What is the cost of living in Rock Island, IL?
The cost of living index in Rock Island, IL is 52 (US average = 100). Median monthly rent is $819, median household income is $57,292/year, and the median home value is $118,400.
Is Rock Island, IL affordable?
Yes, Rock Island is more affordable than the national average with a cost index of 52. The rent-to-income ratio is 17.2%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Rock Island, IL?
The median gross rent in Rock Island, IL is $819 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $9,828.
What is the median household income in Rock Island?
The median household income in Rock Island, IL is $57,292 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Illinois?
Illinois has a top income tax rate of 4.95%, a sales tax of 6.25%, and an effective property tax rate of 2.07%.