What is the cost of living in Oswego, IL?
According to the most recent data on the cost of living, Oswego has an overall cost of living index of 112, which is 1.1x higher than the national index of 100.
Compared to Illinois, Oswego has a cost of living index that's 1.1x higher than Illinois's index of 98.
The standard of living in Oswego ranks as #239 most affordable out of the 336 places we measured in Illinois. By definition, that implies Oswego ranks as the #97 most expensive place in the Prairie State.
For more reading on life in Oswego, check out:
Oswego Cost Of Living Vs. Illinois
Six factors go into calculating the cost of living index in Oswego. Here is how it fares on each of the criteria:
The Services index in Oswego is 98.
The Groceries index in Oswego is 100.
The Health index in Oswego is 144.
The Housing index in Oswego is 102.
The Transportation index in Oswego is 100.
The Utilities index in Oswego is 98.
| Living Expense | Oswego | Illinois | National Average |
|---|---|---|---|
| Overall | 112 | 98 | 100 |
| Services | 98 | 99 | 100 |
| Groceries | 100 | 99 | 100 |
| Health | 144 | 96 | 100 |
| Housing | 102 | 101 | 100 |
| Transportation | 100 | 99 | 100 |
| Utilities | 98 | 101 | 100 |
Oswego Cost Of Living Compared To Illinois Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Illinois, check out:
Protect your home budget Compare home warranties in Oswego Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Oswego, IL Housing Cost Breakdown
Housing swings affordability the most between places in Illinois, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Oswego is $416,737.
The Median Rent in Oswego is $1,860.
The Median Income in Oswego is $123,792.
The Home Value To Income in Oswego is 3.4x.
The Rent To Monthly Income in Oswego is 0.18x.
Oswego, IL Costs By Category
Detailed Oswego Services costs vs. Illinois
Detailed Oswego Groceries costs vs. Illinois
Detailed Oswego Health costs vs. Illinois
Detailed Oswego Transportation costs vs. Illinois
Oswego SnackAbility
Cost Of Living In Cities Around Oswego
The cost of living varies in the cities and towns around Oswego. Here's a quick look at the cost of living in the most populous nearby places:
Aurora, IL has a cost of living index of 106, 0.9x Oswego.
Naperville, IL has a cost of living index of 133, 1.2x Oswego.
Wheaton, IL has a cost of living index of 127, 1.1x Oswego.
| City | Population | Cost Of Living | Vs. Oswego |
|---|---|---|---|
| Aurora, IL | 179,898 | 106 | 0.9x |
| Naperville, IL | 150,692 | 133 | 1.2x |
| Wheaton, IL | 53,557 | 127 | 1.1x |
| Downers Grove, IL | 50,054 | 124 | 1.1x |
| Plainfield, IL | 46,708 | 126 | 1.1x |
| Carol Stream, IL | 39,460 | 112 | 1.0x |
| Woodridge, IL | 33,941 | 116 | 1.0x |
| Glen Ellyn, IL | 28,390 | 137 | 1.2x |
| Yorkville, IL | 23,617 | 113 | 1.0x |
| Lisle, IL | 23,407 | 122 | 1.1x |
