10 Cheapest Places to Live in Illinois [2025]

Illinois offers a diverse landscape, from bustling cities like Chicago to charming small towns and affordable suburbs, making it an attractive option for budget-conscious renters. While Chicago's cost of living is high, many other areas offer affordable housing, lower expenses, and a high quality of life.

This guide explores some of the cheapest places in Illinois to live, highlighting locations where you can stretch your budget without sacrificing comfort. From smaller towns with low housing costs to suburban areas near major job centers, Illinois provides diverse options for renters seeking affordability.

Before moving, it's important to understand the overall cost of living in Illinois. While the state boasts a booming job market, a top-notch food scene, Midwest hospitality, and a relatively low cost of living compared to some other states, this guide focuses on 10 of the most affordable places to live so you can maximize your budget.

All of the rental data included here comes from our internal database of rent estimates, which is available for download. Transit scores come from Walk Score, and census information comes directly from the U.S. Census Bureau website.

10 Cheapest Places to Live in Illinois

1. Rockford

• Starting rent for an apartment in Rockford: $700
• Population: 148,655
• Median household income: $53,328
• Walk score: 41
• Transit score: N/A
• Bike score: 43
• Map of Rockford

For those seeking the cheapest places to live in northern Illinois, Rockford offers a compelling blend of affordability and urban amenities. As the largest city outside the Chicago metro area, Rockford provides a median rent significantly below the state average and a lower overall cost of living.

Driven by healthcare, manufacturing, and education, Rockford's diverse economy fosters a thriving community supported by institutions like Rockford University and Rock Valley College. The city also boasts a thriving arts scene, cultural attractions like the Rockford Art Museum and the Burpee Museum of Natural History, and outdoor spaces, including numerous parks and the scenic Rock River. Residents enjoy attractions like the Anderson Japanese Gardens and events at the Rockford City Market.

This combination of affordability, urban conveniences, and cultural richness makes affordable Rockford one of the best places to live in Illinois.

2. Springfield

• Starting rent for an apartment in Springfield: $700
• Population: 114,394
• Median household income: $65,537
• Walk score: 38
• Transit score: N/A
• Bike score: 45
• Map of Springfield

Springfield, the capital city of Illinois, offers an affordable cost of living combined with the conveniences of a larger city. Renters can find homes and apartments at prices lower than those in Chicago and other major metropolitan areas.

In addition to its affordable housing, Springfield boasts a rich history, with landmarks such as the Abraham Lincoln Presidential Library and Museum, the Old State Capitol, and the Lincoln Home National Historic Site. The city also has a variety of parks, restaurants, and a growing arts scene, offering plenty of activities for residents. Whether you're drawn to the historical significance or simply seeking an affordable place to live, Springfield has much to offer renters in Illinois.

3. Peoria

• Starting rent for an apartment in Peoria: $600
• Population: 113,150
• Median household income: $58,716
• Walk score: 41
• Transit score: N/A
• Bike score: 44
• Map of Peoria

Peoria, located in central Illinois, is another affordable option for renters seeking a low cost of living. The city offers a variety of rental properties, from apartments to single-family homes, at median rents that are well below both state and national averages. This makes Peoria an ideal location for those looking to stretch their budget while enjoying the benefits of living in a mid-sized city.

In addition to its affordability, Peoria boasts a rich cultural scene, with attractions like the Peoria Riverfront Museum, the Caterpillar Visitor Center, and numerous parks and trails. The city also has a strong sense of community and is home to several colleges and universities, making it a great place for both families and students. With its combination of affordable living and diverse amenities, Peoria is a top contender for anyone looking to live in Illinois on a budget.

4. Waukegan

• Median rent for a one-bedroom apartment in Waukegan: $1,083
• Median rent for a two-bedroom apartment in Waukegan: $1,400
• Population: 89,321
• Median household income: $70,578
• Walk score: 49
• Transit score: 28
• Bike score: 42
• Map of Waukegan

Waukegan, located along the shores of Lake Michigan in northeastern Illinois, offers an affordable cost of living with rental prices well below those in Chicago. Just 40 miles north of Central Chicago, Waukegan provides a budget-friendly alternative for renters seeking proximity to the city’s job market and amenities while enjoying a more relaxed lifestyle. With a variety of housing options, from apartments to single-family homes, it is an attractive choice for individuals and families looking for affordability near the lakefront.

Waukegan boasts a rich cultural scene and a strong sense of community. The city is home to the historic Genesee Theatre, local art galleries, and diverse dining and shopping options. Events like ArtWauk, held every third Saturday, showcase performing arts, music, and local cuisine, while other popular celebrations, such as HolidayWauk and the Fiestas Patrias Parade and Festival, bring residents together throughout the year.

Historically an abolitionist community dating back to 1778, Waukegan is now undergoing redevelopment efforts, particularly along its harbor and lakefront, aiming to transform the area into a more vibrant and welcoming space. With its scenic location, cultural appeal, and affordability, Waukegan stands out as a great place to live in Illinois.

5. Champaign

• Starting rent for an apartment in Champaign: $650
• Population: 88,302
• Median household income: $57,544
• Walk score: 52
• Transit score: 44
• Bike score: 65
• Map of Champaign

Champaign, home to the University of Illinois Urbana-Champaign, offers a blend of affordable living and college-town energy. While rent prices can vary near the university, the overall cost of living in Champaign is still quite reasonable compared to larger Illinois cities. With a variety of rental options, from apartments to houses, renters can find affordable housing in both the city center and surrounding neighborhoods.

Champaign thrives with a vibrant arts and culture scene that is anchored by the University of Illinois. The Krannert Center for the Performing Arts hosts diverse performances, while local theaters and music venues cater to varied tastes. A diverse culinary scene, numerous coffee shops, and unique boutiques enrich the city's downtown. Outdoor enthusiasts enjoy expansive parks like Meadowbrook, and the city hosts popular events like Ebertfest. The university's presence fuels a lively atmosphere, with student-run events and cultural activities that make Champaign a dynamic and appealing place to live.

6. Bloomington

• Starting rent for an apartment in Bloomington: $850
• Population: 78,680
• Median household income: $75,449
• Walk score: 35
• Transit score: 26
• Bike score: 47
• Map of Bloomington

Located in central Illinois, Bloomington offers a blend of urban convenience and suburban charm, energized by the presence of Illinois State University. Residents enjoy abundant outdoor recreation, from miles of trails along the Constitution Trail to the scenic shores of Lake Bloomington and the family-friendly Miller Park Zoo. The city also boasts rich cultural attractions, including the Bloomington Center for the Performing Arts, the McLean County Museum of History, and the historic David Davis Mansion.

Beyond its recreational and cultural appeal, Bloomington features a diverse culinary scene with local restaurants, breweries, and wineries, along with vibrant shopping and nightlife options fueled by the university. The city’s affordability and strong job market make it especially attractive to budget-conscious individuals and families. With a lower cost of living than many parts of Illinois and a stable economy supported by Illinois State University, local businesses, and a growing healthcare sector, Bloomington offers a well-rounded and inviting place to call home.

7. Decatur

• Starting rent for an apartment in Decatur: $400
• Population: 70,522
• Median household income: $50,809
• Walk score: 34
• Transit score: N/A
• Bike score: 39
• Map of Decatur

Decatur, a cost-effective city in central Illinois, presents a compelling option for renters. The city's appeal extends beyond its affordability, however. Decatur boasts Lake Decatur, a sprawling recreational hub offering boating, fishing, and scenic walking trails. Families enjoy the Scovill Zoo and the interactive Children’s Museum of Illinois, while the Kirkland Fine Arts Center hosts diverse performances, enriching the city's cultural landscape. Decatur's historic Lincoln Square Theater provides another venue for arts and entertainment.

The city also has a robust park system and hosts various community events, including farmers markets and seasonal festivals. While the cost of living in Decatur is significantly lower than in larger Illinois cities, the city offers a diverse array of amenities and recreational opportunities, creating a well-rounded and welcoming environment.

8. Belleville

• Starting rent for an apartment in Belleville: $600
• Population: 42,404
• Median household income: $60,529
• Walk score: 39
• Transit score:28
• Bike score: 43
• Map of Belleville

Belleville, located in southwestern Illinois near St. Louis, offers a low cost of living and affordable rental prices. As one of the largest cities in the Metro East region, it provides a balance of suburban charm and urban convenience. The median rent in Belleville is significantly lower than in nearby St. Louis, allowing residents to save on housing costs while still enjoying access to big-city amenities. Belleville’s diverse economy, with strong sectors in healthcare, education, and manufacturing, contributes to a stable environment for residents.

Beyond affordability, Belleville boasts a rich history and a vibrant community. Attractions like the National Shrine of Our Lady of the Snows and the Labor and Industry Museum highlight its historical significance, while events like the annual Art on the Square festival bring culture and entertainment to the city. Outdoor enthusiasts can explore local parks, golf courses, and the nearby Lewis and Clark State Memorial Park. With a variety of local restaurants, shops, and a convenient public transit system providing easy access to St. Louis, Belleville offers an affordable yet dynamic living experience in Illinois.

9. Granite City

• Starting rent for an apartment in Granite City: $600
• Population: 27,549
• Median household income: $60,490
• Walk score: 39
• Transit score: N/A
• Bike score: 43
• Map of Granite City

Granite City, located just across the Mississippi River from St. Louis, offers affordable living with a small-town atmosphere and convenient access to a major metropolitan area. Granite City's history is deeply rooted in the steel industry, with U.S. Steel Corporation Granite City Works being a major employer for generations. While the industrial landscape has evolved, manufacturing remains a significant part of the local economy, and the city is actively working to diversify its job market. Residents benefit from the proximity to St. Louis' job opportunities in healthcare, finance, and technology, expanding their employment options.

Beyond its industrial heritage, Granite City fosters a strong sense of community. Residents enjoy local parks like Wilson Park, which offers green spaces and recreational facilities. The city also hosts community events throughout the year, including seasonal festivals and parades. The Old Six Mile Historical Society Museum offers a glimpse into the city's history. For entertainment, residents can easily access St. Louis' attractions, including professional sports, museums, and a vibrant nightlife.

10. Freeport

• Starting rent for an apartment in Freeport: $600
• Population: 23,973
• Median household income: $48,181
• Walk score: 42
• Transit score: N/A
• Bike score: 43
• Map of Freeport

Freeport, often cited as one of the most affordable cities to live in Illinois, is particularly attractive due to its low rental costs, making it ideal for individuals and families looking to minimize housing expenses. Beyond affordability, Freeport offers a small-town atmosphere with a strong sense of community, local parks, historic sites, and events like the Pretzel City Brewfest.

Its location in northern Illinois provides convenient access to Rockford and other nearby cities. While the median rent may be significantly lower than in larger cities, Freeport boasts a diverse economy rooted in manufacturing (particularly automotive parts and food processing), along with healthcare, education, and retail sectors. Residents can enjoy various recreational opportunities, including parks, museums, and events like the Stephenson County Fair and the Krape Park Art Walk. Families have access to a mix of public and private schools, as well as Highland Community College. While Freeport may not have the bustle of larger cities, it offers a quieter, community-oriented environment, balancing affordability with local amenities and a strong job market.

Find Your Next Apartment in Illinois

Illinois offers a diverse range of living experiences, from farm life to metropolitan hustle, with affordable options like Waukegan and Aurora. To begin your search for the perfect Illinois rental, explore Apartment List's advanced search tools, filtering by price, amenities, and location. Take the Apartment List quiz to find a home that aligns with your lifestyle and budget and discover the beauty and opportunities Illinois offers. With us, you’ll spend five minutes and save 50 minutes searching.

Cheapest Places to Live in Illinois FAQs

What is the cheapest city to live in Illinois?

Cities like Freeport and Decatur are often considered among the most affordable places to live in the state. Freeport, in particular, offers very low median rent prices, making it a top contender for budget-conscious renters.

What is the cheapest county in Illinois?

When it comes to finding the cheapest county to live in Illinois, several counties offer affordable housing options. In particular, counties like Adams, Macon, and Franklin are known for their low median home prices and rental rates.

What is the cost of living in Illinois?

The cost of living in Illinois varies depending on the city or region, but overall, it tends to be less than the national average. Chicago, as the state's largest city, has a higher cost of living, with higher housing costs, utilities, and groceries. However, many other areas in Illinois, such as Decatur, Freeport, and Rockford, offer significantly lower living costs.