Cost of Living in Adams County, Illinois
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Adams County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Adams County ranks #1,579 of 3,142 counties for affordability (top 50%)
Sourced county brief
Median Home Value in Adams County Reaches 162,600 Dollars
The median home value in Adams County is estimated at $162,600, according to the ACS 2020-2024 5-Year Estimates. This figure is $9,580 above the Illinois unweighted county mean of $153,020. For renter-occupied units, the median gross rent is $828 per month, which is $39 below the state unweighted county mean of $867 per month. The official ACS B25071 Gross Rent as a Percentage of Household Income (GRAPI) for the county is 26.3%. This canonical affordability measure is 0.2 percentage points higher than the state unweighted county mean of 26.1%. Household income for renters in the county is estimated at a median of $34,942 per year. For those with mortgages or other ownership costs, the median selected monthly owner cost is $912, compared to the state unweighted county mean of $960. These figures represent snapshots from the 5-year estimate period. See ACS table B25071 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Adams County
Affordability Verdict
ACS B25071 estimates median gross rent at 26.3% of renter household income in Adams County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $828 per month; median selected monthly owner costs are $912. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $33,120 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Illinois unweighted mean of county median rents is $867 per month. Adams County's $828 median is 4.5% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Adams County
Rent Burden
15.0%
of gross income
Max Housing (28% Rule)
$1,545
per month
Owner Cost Burden
16.5%
of gross income
You can likely afford the median home in Adams County
Median home value is $162,600. Estimated monthly cost: $1,298 vs. your max of $1,545.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
What is the cost of living in Adams County, Illinois?
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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