Cost of Living in Crystal Lake, IL
Population 40,436 · Illinois · Data vintage 2023
(100 = US avg)
Crystal Lake lands reasonably close to national benchmarks on most cost indicators, with a median home value of $287,000 — 6% below the US figure. That makes it a useful reference point for comparing with more extreme markets in Illinois.
Crystal Lake sits roughly 13 miles north of Elgin — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 14% higher than Elgin's $252,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Crystal Lake
The median home value in Crystal Lake is $287,400 — 6% below the national median of $305,000. Median rent runs $1,431/month, 9% higher than the national median of $1,314/month. The median household income of $105,428/year is 41% higher than the US median of $74,580. The local unemployment rate is 4.6%, below the national average of 4.8%. Illinois's top state income tax rate is 5.0% and the combined sales tax is 8.7%. Overall, Crystal Lake has a cost of living index of 100 versus the US average of 100, meaning it is on par with the national average.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Crystal Lake, IL?
Crystal Lake has a cost index of 100 (100 = national average). It is near the national average.
What is average rent in Crystal Lake, IL?
The median gross rent in Crystal Lake is $1,431 per month based on 2023 Census data.
What is the average home price in Crystal Lake?
The median home value in Crystal Lake is $287,400 according to Zillow and Census data.
What is the median income in Crystal Lake?
The median household income in Crystal Lake is $105,428 per year (2023 ACS 5-year estimates).
What is the sales tax in Crystal Lake, IL?
The combined state and local sales tax rate in Crystal Lake is 8.7%. The Illinois state income tax top rate is 5.0%.
Is Crystal Lake, IL affordable?
Crystal Lake is near the national average in terms of cost of living, with an index of 100 (100 = US average).
Crystal Lake at a Glance
- Population
- 40,436
- Median Income
- $105,428
- Home Value
- $287,400
- Median Rent
- $1,431/mo
- Unemployment
- 4.6%
- Sales Tax
- 8.7%
Nearby Cities
Explore county-level cost of living data
Illinois Rankings
Similar Cost Cities
Cities in other states with comparable housing costs