For one person, living costs in Springfield, IL are estimated at $2,641 a month, including rent and utilities, which take more than half of the total. Other living expenses average about $41 a day.
Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Springfield, IL actually costs, broken down by who's living it.
Living costs for one person come to about $2,641 monthly including rent, or $1,244 excluding housing.
$2,641 /mo
Estimated monthly costs for a couple: $3,964 with rent, or $2,070 without housing.
$3,964 /mo
Monthly costs for a family of three come to about $5,286 including rent, or $2,896 for daily expenses alone.
Midsize Hatchback 1.4l(Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$36.4K$36.4K
$33.2K$33.2K
$36.4K$36.4K
Compact Sedan 1.6l(Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$26.7K$26.7K
$26.3K$26.3K
$29.0K$29.0K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment(Heating, Electricity, Gas, Water, Garbage)(85m2)
$233$233
$76.8$76.8
$432$432
SIM Card Monthly Plan(Calls and 10GB+ Data)
$93.2$93.2
$39.24$39.24
$147$147
Internet(50+ Mbps, Unlimited Data)
$64.9$64.9
$60.8$60.8
$121$121
🎉 Sport & Entertainment
Cost
Range
Gym Membership(Monthly)
$49.49$49.49
-
Tennis Court(1 Hour on Weekend)
$19.74$19.74
-
Cinema Ticket
$12.57$12.57
$10.05$10.05
$15.09$15.09
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child(Monthly)
$931$931
$931$931
$931$931
👕👟 Clothing & Footwear
Cost
Range
Jeans(Levis 501 Or Similar)
$105$105
$90.0$90.0
$120$120
Summer Dress(H&M, Zara, etc)
$54.9$54.9
$39.95$39.95
$69.9$69.9
Sport Shoes(Adidas, Nike)
$125$125
$106$106
$150$150
Men's Leather Business Shoes
$138$138
$138$138
$138$138
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center(Monthly)
$915$915
$752$752
$1,103$1,103
1-bedroom Apartment, Outside City Center(Monthly)
$1,164$1,164
$809$809
$1,820$1,820
3-bedroom Apartment, City Center(Monthly)
$1,889$1,889
$1,485$1,485
$2,293$2,293
3-bedroom Apartment, Outside City Center(Monthly)
$2,158$2,158
$704$704
$4,531$4,531
Buy Apartment in City Center(m2)
$3,133$3,133
$1,173$1,173
$6,998$6,998
Buy Apartment Outside City Center(m2)
$1,184$1,184
$1,130$1,130
$1,239$1,239
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary(After Tax)
$3,882$3,882
-
20-Year Fixed Mortgage Interest Rate(Annual %)
6.55
4.25
7.58
CityCost data is based on AI and user input – minor inaccuracies may occur.
Last update: October 12, 2026
Monthly budget structure
Share of the monthly basket for one person, rent included.
Share of the monthly basket for a family of three, rent included.
Springfield, IL$2,641
Springfield, IL$5,286
🏠Accommodation & Living
$1.2K 44.1%
🛒Groceries & Markets
$519 19.6%
🧾Monthly Utilities & Internet
$391 14.8%
🍽Eating Out
$247 9.3%
👕👟Clothing & Footwear
$191 7.2%
🎉Sport & Entertainment
$75 2.8%
🚌Getting Around
$56 2.1%
🏠Accommodation & Living
$2.2K 40.8%
🛒Groceries & Markets
$1.2K 23.2%
🧾Monthly Utilities & Internet
$484 9.2%
🍽Eating Out
$714 13.5%
👕👟Clothing & Footwear
$424 8%
🎉Sport & Entertainment
$169 3.2%
🚌Getting Around
$114 2.2%
Cost Breakdown
🏠Expect to pay about $915 for a central one-bedroom, or $1,164 outside the center. At 24% of the average salary ($3,882), housing is the biggest financial pressure.
💰Average take-home pay sits at $3,882, while typical expenses reach $2,641. This leaves some room for savings, though a comfortable buffer starts closer to $3,962.
🛒Expect to spend about $519 monthly on groceries. Dining out at a mid-range restaurant costs roughly $43.00 for two.
🚌Public transport is priced at around $39.50 per month.
Cost Highlights
⭐Rice is among the 20 most expensive worldwide (out of 7,502 cities)
⭐Local beer is cheaper than 99% of cities in North America
⭐Milk is cheaper than 97% of cities in North America
Low risk of other local infectious diseases such as Lyme disease, Rocky Mountain spotted fever, Tick-borne encephalitis, Leishmaniasis, Chagas disease, and Sleeping sickness
Popular online taxi apps offering convenient, cashless rides in many countries, including Uber, Bolt, Grab, inDrive, DiDi, Careem, Gojek, Maxim, and Yango
English is commonly used in services, signage, and daily life
Cost of Living in Springfield, IL - Frequently Asked Questions
Is Springfield, IL a good value overall for travelers, expats, and digital nomads compared with bigger U.S. cities?
Springfield, IL tends to offer solid value for travelers, expats, and digital nomads who want a balanced lifestyle without chasing coastal price spikes. The Cost of Living in Springfield, IL, United States sits lower overall than many large metros, with sensible housing and everyday expenses. You’ll find a range of options from modest apartments to small houses in walkable neighborhoods, plus a practical mix of groceries and dining that supports a comfortable routine. Seasonal shifts matter more for energy bills than for rents here, and public transit is complemented by car ownership. Tip: plan a week-by-week budget that accounts for utilities in shoulder seasons.
What does daily life look like for someone managing costs in Springfield, and what should you expect when searching for housing, food, and getting around?
Daily life in Springfield is approachable for budget-conscious travelers and remote workers. Housing search often lands you in practical neighborhoods with walkable streets and good transit access, where leases and utilities shape your monthly plan more than base rent alone. For food, you’ll balance local grocery deals with affordable takeout and farmers markets in season. Co-working spots and cafes offer reliable internet without high fees. Getting around is taxi, bus, rideshare, or car if you need it; biking can work in many parts. Springfield, IL, United States living cost varies by area yet remains manageable if you pair longer stays with seasonal shopping. Tip: keep a simple weekly routine to minimize impulse buys and maximize room for experiences.
What’s the quality of life like in Springfield for budgeting, seasonality, and neighborhood fit?
You can tune your life to fit a comfortable budget by choosing a neighborhood that matches your pace. The city offers a mix of walkable cores with cafés and markets and quieter residential zones with easy transit to downtown. A practical budgeting framework is to separate essential housing and utilities from discretionary spending, then slot in occasional experiences like seasonal fairs or outdoor outings. Seasonality affects energy use more than entertainment costs; prepare for winter heating and summer cooling accordingly. For a good fit, test different areas via short stays, check amenities nearby, and prioritize access to groceries, coworking spaces, and reliable transit. Tip: set up a simple weekly plan to track expenses and save for travel.
Is Springfield, IL worth the cost of living?
At around $2,641 monthly all-in, Springfield, IL offers decent value. It's not the cheapest and not the priciest – a good fit for people who want city convenience without capital-level costs.
Is Springfield, IL expensive to live in?
Everyday life in Springfield, IL is moderately priced at about $2,641 per month, rent included. Groceries and transport stay reasonable, though dining out and entertainment can feel a bit pricier than in budget destinations.
What is a good salary in Springfield, IL?
Earning $3,962 monthly in Springfield, IL means you're living well – a one-bedroom, regular groceries, transport, and some entertainment without stress. That's the threshold where most residents feel genuinely comfortable rather than just getting by.
How much does a 1-bedroom apartment cost in Springfield, IL?
Rents for a 1-bedroom flat in Springfield, IL range from $1,164 to $915, depending on location and condition. Central apartments sit at the top of that range; outer neighborhoods and suburbs deliver noticeably better value per square meter.
How expensive is a gym membership in Springfield, IL?
A regular gym membership in Springfield, IL costs around $49.49 monthly. It's a reasonable expense that fits into most budgets, and you generally get decent facilities for the price.
What is a typical grocery budget in Springfield, IL?
Expect to spend around $519 per month on groceries in Springfield, IL. Neither cheap nor expensive by global standards – everyday items are fairly priced, though imported or specialty products cost more.
Can a person live on $2,000 monthly in Springfield, IL?
Living on $2,000 in Springfield, IL means careful planning, since monthly costs average $2,641. It works with a cheap apartment and disciplined spending, but expect trade-offs on where you live, how often you eat out, and entertainment.
Is Springfield, IL a good city for digital nomads?
Remote workers pick Springfield, IL for good reason: fast internet, clean air, wellness scene, all at about $2,641 per month including rent. It fits a wide range of remote salaries without compromising on comfort or connectivity.
Can you save money living in Springfield, IL?
Monthly expenses in Springfield, IL run around $2,641, so putting money aside takes more than $3,962 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.
Springfield, IL vs other spots: cost of living compared