Sam SmithIllinois is often associated with Chicago’s bustling skyline and high living costs, but beyond the big city lies a wide range of communities where life is far more budget-friendly. From historic river towns to college hubs and revitalizing industrial cities, Illinois offers affordable housing, reasonable everyday expenses, and a slower pace of life. This guide highlights 50 of the most affordable places to live in Illinois, balancing cost with livability to help you find the right fit.
Top 50 Cheapest Places To Live In Illinois
1. Danville (Vermilion County)
Danville consistently ranks among the most affordable cities in the U.S., with housing costs far below national averages. Once a manufacturing hub, it now offers quiet neighborhoods, historic architecture, and access to parks and lakes. While the job market has faced challenges, the low cost of living makes it attractive for retirees, remote workers, or families seeking budget-friendly housing. Danville combines affordability with small-town charm, offering a slower pace of life and strong community ties.
2. Kankakee (Kankakee County)
Kankakee is an affordable city with revitalizing energy, thanks to investments in its downtown and riverfront. Housing prices remain low compared to Chicago suburbs, while residents enjoy access to the scenic Kankakee River and nearby state parks. The city blends affordability with cultural amenities, including museums and theaters. Though the economy is modest, its proximity to Chicago provides commuting options. Kankakee appeals to those seeking budget-friendly living with outdoor recreation and a growing sense of renewal.
3. Decatur (Macon County)
Decatur is a major agribusiness hub, home to Archer Daniels Midland and other food-processing industries. Housing costs are among the lowest in Illinois, making it highly affordable. While the city has faced economic challenges and population decline, it offers cultural institutions, parks, and a strong sense of community. Decatur’s affordability is balanced by modest job opportunities, but for retirees or remote workers, it provides a low-cost lifestyle with access to central Illinois amenities and history.
4. Springfield (Sangamon County)
Springfield, Illinois’ capital, offers a unique mix of affordability and opportunity. Housing costs are well below the national average, while government employment provides stability. The city is rich in history, with Abraham Lincoln sites, museums, and cultural attractions. Residents enjoy a blend of small-town friendliness and urban amenities, including hospitals, universities, and shopping. Springfield’s affordability, combined with its central location and historic charm, makes it one of the best-balanced options for budget-conscious families and professionals.
5. Peoria (Peoria County)
Peoria, a historic river city, combines affordability with strong amenities. Housing costs are low, and the city benefits from a robust healthcare sector, anchored by OSF HealthCare and UnityPoint. Peoria offers cultural attractions, a zoo, and riverfront entertainment, making it livable for families and professionals. While manufacturing has declined, healthcare and education provide stability. Its affordability, combined with amenities and scenic river views, makes Peoria one of Illinois’ most attractive mid-sized cities for budget-conscious residents.
6. Rockford (Winnebago County)
Rockford, Illinois’ third-largest city, offers affordable housing in historic neighborhoods and a growing cultural scene. Once heavily industrial, it is now revitalizing with investments in downtown, museums, and parks. Housing costs are significantly lower than in Chicago, while amenities include healthcare, schools, and entertainment. Though economic challenges remain, Rockford’s affordability and size make it appealing for families seeking urban conveniences without high costs. It’s a city balancing revitalization with budget-friendly living in northern Illinois.
7. Bloomington (McLean County)
Bloomington offers a balanced lifestyle, combining affordability with job stability. Home to State Farm Insurance and Illinois State University, it has a strong employment base. Housing costs are moderate but remain below national averages, while residents enjoy cultural amenities, parks, and a vibrant downtown. Bloomington’s affordability is enhanced by its twin city, Normal, which adds university energy. Together, they provide a mix of suburban comfort and urban convenience, making Bloomington a solid choice for families and professionals.
8. Carbondale (Jackson County)
Carbondale, home to Southern Illinois University, is a college town with very low rents and home prices. Housing is especially affordable when students are away, making it attractive for families and retirees. The town offers cultural amenities, outdoor recreation in nearby Shawnee National Forest, and a youthful vibe. While the economy is tied to the university, Carbondale’s affordability and natural surroundings make it appealing for those seeking a relaxed lifestyle with access to education and nature.
9. Quincy (Adams County)
Quincy, located on the Mississippi River, is a charming city with historic architecture and a low cost of living. Housing is affordable, and the city offers cultural attractions, riverfront recreation, and a strong sense of community. Quincy’s economy is modest but stable, with healthcare and manufacturing providing jobs. Its affordability, combined with scenic river views and historic character, makes it attractive for families and retirees seeking small-city living with rich cultural and natural amenities.
10. Alton (Madison County)
Alton, near St. Louis on the Mississippi River, is known for its rich history, natural beauty, and extremely low home prices. The city features historic neighborhoods, riverfront views, and access to outdoor recreation. While the economy is modest, proximity to St. Louis provides job opportunities. Alton’s affordability, combined with cultural heritage and scenic surroundings, makes it appealing for those seeking budget-friendly living with access to a larger metro area. It’s a hidden gem for affordable housing.
50 Most Affordable Cities & Towns to Live in Illinois
| # | City / Town | County |
|---|---|---|
| 1 | Danville | Vermilion County |
| 2 | Kankakee | Kankakee County |
| 3 | Decatur | Macon County |
| 4 | Springfield | Sangamon County |
| 5 | Peoria | Peoria County |
| 6 | Rockford | Winnebago County |
| 7 | Bloomington | McLean County |
| 8 | Carbondale | Jackson County |
| 9 | Quincy | Adams County |
| 10 | Alton | Madison County |
| 11 | Freeport | Stephenson County |
| 12 | Rock Island | Rock Island County |
| 13 | Moline | Rock Island County |
| 14 | Dixon | Lee County |
| 15 | Sterling | Whiteside County |
| 16 | Galesburg | Knox County |
| 17 | Macomb | McDonough County |
| 18 | Pontiac | Livingston County |
| 19 | Streator | LaSalle County |
| 20 | Peru | LaSalle County |
| 21 | LaSalle | LaSalle County |
| 22 | Rochelle | Ogle County |
| 23 | DeKalb | DeKalb County |
| 24 | Joliet | Will County |
| 25 | Aurora | Kane County |
| 26 | Champaign | Champaign County |
| 27 | Urbana | Champaign County |
| 28 | Normal | McLean County |
| 29 | Jacksonville | Morgan County |
| 30 | Lincoln | Logan County |
| 31 | Taylorville | Christian County |
| 32 | Charleston | Coles County |
| 33 | Mattoon | Coles County |
| 34 | Effingham | Effingham County |
| 35 | Canton | Fulton County |
| 36 | Marion | Williamson County |
| 37 | Herrin | Williamson County |
| 38 | Carterville | Williamson County |
| 39 | Murphysboro | Jackson County |
| 40 | Benton | Franklin County |
| 41 | West Frankfort | Franklin County |
| 42 | Mount Vernon | Jefferson County |
| 43 | Centralia | Marion County |
| 44 | Salem | Marion County |
| 45 | Harrisburg | Saline County |
| 46 | Cairo | Alexander County |
| 47 | East St. Louis | St. Clair County |
| 48 | Granite City | Madison County |
| 49 | Belleville | St. Clair County |
| 50 | Collinsville | Madison County |
Closing
Affordability in Illinois comes with trade-offs, from property taxes to job opportunities, but the state’s diverse towns and cities provide options for nearly every lifestyle. Whether you’re drawn to the cultural amenities of Springfield and Peoria, the college-town energy of Bloomington-Normal or Carbondale, or the historic charm of river cities like Quincy and Alton, Illinois offers genuine value. With careful research and local exploration, you can enjoy a comfortable, budget-conscious life while embracing the character and community that make Illinois unique.