Cost of Living in Macoupin County, Illinois
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Macoupin County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Macoupin County ranks #1,342 of 3,144 counties for affordability (top 43%)
Data Story
About Cost of Living in Macoupin County, Illinois
Macoupin County leads national affordability
Macoupin County's 13.8% rent-to-income ratio ranks among the most affordable in the nation, with the lowest ratio among all eight counties analyzed. At $68,518 median household income paired with $789 monthly rent, Macoupin residents enjoy substantial housing security.
Illinois's most affordable housing market
Macoupin County's 13.8% rent-to-income ratio is the only one in this analysis to fall below Illinois's 14.7% state average, making it the state's most affordable county by this measure. Monthly rents of $789 represent the lowest absolute costs in the cohort.
Best affordability in western Illinois
Macoupin County's $789 monthly rent undercuts all seven peer counties, while its 13.8% affordability ratio beats even Livingston County's 14.5%. Home values at $126,100 remain modest, offering genuine buying power for cost-conscious relocators.
Housing costs leave room to build wealth
Renters allocate just 13.8% of a $68,518 median income to $789 monthly rent, while homeowners spend $830 (14.5% of income) on mortgages—the lowest ratios in this analysis. Both figures leave substantial income for savings and living expenses, enabling genuine financial stability.
Top Illinois choice for affordability seekers
Macoupin County delivers the most attractive housing affordability profile in this analysis: lowest rents, lowest affordability ratio, and solid incomes. If cost of living is your primary relocation driver, Macoupin County outranks all peer Illinois counties analyzed.
Cost of Living Advisory: Macoupin County
Affordability Verdict
Macoupin County is affordable for renters, with a median gross rent of $789/month representing approximately 13.8% of median household income. The rent burden (GRAPI) stands at 23.0%.
Rent vs. Own
The median rent in Macoupin County is $789/month, while owner costs run $830/month. Renting saves approximately $41/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,560/year. For owner costs at the 28% rule, the required income is roughly $35,571/year. With a median household income of $68,518, most households can comfortably afford rent here. Notably, 23.0% of renter households in Macoupin County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Bond County where rent averages $735/month, Macoupin County is approximately 7% more expensive.
Affordability Calculator
See how your income compares to housing costs in Macoupin County
Rent Burden
13.8%
of gross income
Max Housing (28% Rule)
$1,599
per month
Owner Cost Burden
14.5%
of gross income
You can likely afford the median home in Macoupin County
Median home value is $126,100. Estimated monthly cost: $1,007 vs. your max of $1,599.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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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 (2019-2023) — Informational only. Not financial or legal advice.
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