What is the cost of living in Pontiac, IL?
According to the most recent data on the cost of living, Pontiac has an overall cost of living index of 87, which is 0.9x lower than the national index of 100.
Compared to Illinois, Pontiac has a cost of living index that's 0.9x lower than Illinois's index of 98.
The standard of living in Pontiac ranks as #43 most affordable out of the 336 places we measured in Illinois. By definition, that implies Pontiac ranks as the #293 most expensive place in the Prairie State.
For more reading on life in Pontiac, check out:
Pontiac Cost Of Living Vs. Illinois
Six factors go into calculating the cost of living index in Pontiac. Here is how it fares on each of the criteria:
The Services index in Pontiac is 99.
The Groceries index in Pontiac is 100.
The Health index in Pontiac is 63.
The Housing index in Pontiac is 96.
The Transportation index in Pontiac is 101.
The Utilities index in Pontiac is 97.
| Living Expense | Pontiac | Illinois | National Average |
|---|---|---|---|
| Overall | 87 | 98 | 100 |
| Services | 99 | 99 | 100 |
| Groceries | 100 | 99 | 100 |
| Health | 63 | 96 | 100 |
| Housing | 96 | 101 | 100 |
| Transportation | 101 | 99 | 100 |
| Utilities | 97 | 101 | 100 |
Pontiac 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 Pontiac Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Pontiac, 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 Pontiac is $150,833.
The Median Rent in Pontiac is $842.
The Median Income in Pontiac is $61,279.
The Home Value To Income in Pontiac is 2.5x.
The Rent To Monthly Income in Pontiac is 0.16x.
Pontiac, IL Costs By Category
Detailed Pontiac Services costs vs. Illinois
Detailed Pontiac Groceries costs vs. Illinois
Detailed Pontiac Health costs vs. Illinois
Detailed Pontiac Transportation costs vs. Illinois
Pontiac SnackAbility
Cost Of Living In Cities Around Pontiac
The cost of living varies in the cities and towns around Pontiac. Here's a quick look at the cost of living in the most populous nearby places:
Bloomington, IL has a cost of living index of 95, 1.1x Pontiac.
Normal, IL has a cost of living index of 96, 1.1x Pontiac.
Shorewood, IL has a cost of living index of 120, 1.4x Pontiac.
| City | Population | Cost Of Living | Vs. Pontiac |
|---|---|---|---|
| Bloomington, IL | 78,907 | 95 | 1.1x |
| Normal, IL | 53,569 | 96 | 1.1x |
| Shorewood, IL | 18,343 | 120 | 1.4x |
| Morton, IL | 16,595 | 103 | 1.2x |
| Washington, IL | 15,919 | 102 | 1.2x |
| Channahon, IL | 13,927 | 110 | 1.3x |
| Minooka, IL | 12,891 | 113 | 1.3x |
| Manteno, IL | 9,030 | 103 | 1.2x |
| Eureka, IL | 5,007 | 89 | 1.0x |
