Cost of Living in Gallatin 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 Gallatin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Gallatin County ranks #199 of 3,142 counties for affordability (top 6%)
Sourced county brief
Gallatin County Median Monthly Rent Measured at 541 Dollars
In Gallatin County, the median gross rent is $541 per month, which is $326 below the Illinois unweighted county mean of $867. The official median gross rent as a percentage of household income (GRAPI) is 21.5%, which is 4.6 percentage points lower than the state unweighted county mean of 26.1%. For owner-occupied units, the median selected monthly owner cost is $638, compared to the Illinois unweighted county mean of $960. The median home value in the county is $82,900, which is $70,120 below the state unweighted county mean of $153,020. Annual income for renter households was estimated at a median of $22,389. These figures are part of the ACS 2020-2024 5-Year Estimates. 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: Gallatin County
Affordability Verdict
ACS B25071 estimates median gross rent at 21.5% of renter household income in Gallatin 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 $541 per month; median selected monthly owner costs are $638. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $21,640 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. Gallatin County's $541 median is 37.6% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Gallatin County
Rent Burden
11.0%
of gross income
Max Housing (28% Rule)
$1,382
per month
Owner Cost Burden
12.9%
of gross income
You can likely afford the median home in Gallatin County
Median home value is $82,900. Estimated monthly cost: $662 vs. your max of $1,382.
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
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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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