Direct Answer
Bloomington, IL has a CostOfCity index of 90, which is 10% below the national baseline. Average modeled rent is $1,081/month and the single-adult living cost estimate is $3,500/month.
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Cost of Living in Bloomington: The Full Picture
What does it cost to live in Bloomington, IL? The honest answer depends on your lifestyle, but the data gives clear guideposts. With a no-frills economy that rewards practical spending and penalizes no one for being budget-conscious and a median household income of $62K, this midwestern city offers a specific economic profile. We cover 62 cost categories, each calibrated for Bloomington's local conditions.
Bloomington Cost Index by Category
Each bar shows how the Bloomington cost index for that category compares to the US national baseline of 100.
Bloomington has a no-frills economy that rewards practical spending and penalizes no one for being budget-conscious
The housing market features one of America's more affordable housing markets, where homeownership is within reach for most working families
Lake-effect snow and ice create plumbing emergencies that don't happen in warmer markets. Budget accordingly.. The lifestyle here is characterized by Craft beer, farmers markets, and an increasingly diverse food scene that doesn't require a second mortgage to enjoy..
Good news for your wallet: Bloomington's cost index of 90 means you'll pay 10% less than the national average. That kind of savings compounds across every monthly expense.
💰 Purchasing Power in Bloomington
Purchasing power adjusted to national average baseline. In Bloomington, your dollar buys 11% more than the national average.
🔺 Where Bloomington Costs More
🔽 Where Bloomington Costs Less
💰 Salary Landscape
vs national average · higher = better
Monthly Living Expenses in Bloomington
What it actually costs to live in Bloomington each month — from tight budgets to comfortable lifestyles.
Estimates include housing, food, transportation, utilities, insurance, and discretionary spending. Based on Bloomington's cost index of 90 applied to national spending surveys.
🏘️ Neighborhood Cost Variation
Within Bloomington, costs can vary by 25-40% depending on the neighborhood. Downtown and waterfront areas typically command the highest premiums, while suburbs provide genuine savings, often 15-20% below the metro average.
Bloomington vs U.S. Average Cost of Living
Category-by-category affordability grades — based on deviation from the national average.
🏠 Home Services in Bloomington
What contractors charge for the most common repairs, installations, and remodels
Roof Replacement
-23%HVAC Installation
-17%Plumbing Services
-17%Electrical Work
-29%Kitchen Remodel
0%Bathroom Remodel
-6%House Painting
+9%Flooring Installation
-19%Landscaping
-10%Fence Installation
-2%Window Replacement
-26%Solar Panel Installation
-14%Water Heater Replacement
-10%Deck Building
-1%Pool Installation
-18%Tree Removal
-6%Garage Door Repair
+6%💼 Business Startup Costs in Bloomington
Full startup cost breakdowns — from lease deposits to working capital
Start a Restaurant
-6%Start a Coffee Shop
-1%Start a Food Truck
-18%Start a Gym
-40%Start a Daycare
-2%Start a Hair Salon
-3%Start a Laundromat
-29%Start a Bakery
-9%Start a Bar
-24%Start a Cleaning Business
-2%Start an Airbnb
-17%Start a Trucking Business
-25%📊 Cost of Living in Bloomington
Monthly expenses for housing, food, transportation, and everyday necessities
Cost of Living
-12%Rent Prices
-23%Grocery Costs
-6%Utility Costs
+4%Transportation Costs
-1%Childcare Costs
-7%Gym Membership
-3%🛡️ Insurance in Bloomington
Annual and monthly premium estimates for major insurance categories
Car Insurance
+1%Home Insurance
-2%Health Insurance
-13%Business Insurance
-17%Life Insurance
-20%Renters Insurance
-25%Pet Insurance
-11%Dental Insurance
0%Motorcycle Insurance
-28%⚖️ Legal Services in Bloomington
Attorney fees, court costs, and total legal service expenses
Personal Injury Lawyer
-8%Divorce Lawyer
0%DUI Lawyer
-10%Immigration Lawyer
-7%Estate Planning Lawyer
-7%Workers Comp Lawyer
-32%Bankruptcy Lawyer
+1%💰 Salaries & Jobs in Bloomington
Annual compensation by experience level, role, and specialization
Software Developer Salary
+3%Registered Nurse Salary
-18%Teacher Salary
-34%Electrician Salary
+11%Plumber Salary
+4%Accountant Salary
-17%Physical Therapist Salary
-11%Police Officer Salary
-9%Dentist Salary
-6%Real Estate Agent Salary
-29%How Much Income Do You Need in Bloomington?
✅ Best For
- Remote workers keeping coastal salaries
- Families prioritizing savings
- Retirees on fixed incomes
- First-time business owners
⚠️ Not Ideal For
- Workers in highly specialized tech roles
- Those seeking dense urban amenities
Before moving to Bloomington, compare your target salary against local costs using our calculator. You may be pleasantly surprised by how far your income goes.
CostOfCity Value Index
The CostOfCity Value Index combines cost-of-living data with median income, savings potential, and cost growth trends to produce a single score. Higher = better value for your money. Updated quarterly.
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Frequently Asked Questions About Bloomington
Is Bloomington, IL expensive to live in?
Bloomington's cost of living index is 90, which is 10% below the national average of 100. Bloomington is close to the national average in cost.
What are the most expensive cost categories in Bloomington?
Like most US cities, housing is the single largest expense in Bloomington, typically accounting for 30-40% of household budgets. Insurance and home services tend to be the next most variable categories, influenced by midwestern climate conditions and state regulations.
Is Bloomington a good place to start a business?
Bloomington's business environment is shaped by IL's regulatory framework and local commercial real estate costs. Below-average operating costs give businesses more runway to reach profitability. Check our business startup cost data for specific figures.
Explore Bloomington in Depth
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Compare Bloomington Costs Nationally
See how Bloomington ranks on major household and life expenses against 300+ US cities — cheapest to most expensive.
Popular Bloomington cost & affordability searches
- → Rent prices in Bloomington, IL
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- → Monthly budget for a single adult in Bloomington
- → Healthcare cost in Bloomington
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