Cost of Living in Ogle County, Illinois
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Ogle County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Ogle County ranks #2,637 of 3,144 counties for affordability (bottom 16%)
Data Story
About Cost of Living in Ogle County, Illinois
Ogle incomes support higher rents
Ogle County's median household income of $79,244 runs 5.9% above the national median, allowing residents to absorb a 13.6% rent-to-income ratio that edges below the national benchmark of roughly 15%. Stronger earning power cushions Ogle's higher absolute rents.
Ogle ranks solidly within state
Ogle County's 13.6% rent-to-income ratio sits below Illinois's 14.7% state average, though median rents of $901 run above the state's $837 benchmark. Above-average incomes allow Ogle residents to sustain higher rents while maintaining favorable affordability ratios.
Ogle commands higher absolute costs
Ogle's $901 median rent exceeds all regional peers except Monroe County ($996), reflecting stronger local incomes and market demand. The median home value of $184,100 similarly positions Ogle between Menard ($179,300) and Monroe ($265,600).
Income sustains Ogle's premium pricing
Ogle residents spend 13.6% on rent and 16.4% on owner costs, proportions manageable for the county's above-average earners. A $1,084/month mortgage on a $184,100 home reflects Ogle's relatively robust housing market.
Ogle suits upper-middle-income families
If your household income approaches or exceeds Ogle's $79,244 median, the county offers above-average earnings with acceptable housing cost burdens. Weigh Ogle's premium against Menard or Moultrie to balance income potential with housing affordability.
Cost of Living Advisory: Ogle County
Affordability Verdict
Ogle County is affordable for renters, with a median gross rent of $901/month representing approximately 13.6% of median household income. The rent burden (GRAPI) stands at 24.0%.
Rent vs. Own
The median rent in Ogle County is $901/month, while owner costs run $1,084/month. Renting saves approximately $183/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $36,040/year. For owner costs at the 28% rule, the required income is roughly $46,457/year. With a median household income of $79,244, most households can comfortably afford rent here. Notably, 24.0% of renter households in Ogle County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Illinois, Ogle County is less affordable than Sangamon County by roughly 6% ($901/mo vs $954/mo).
Affordability Calculator
See how your income compares to housing costs in Ogle County
Rent Burden
13.6%
of gross income
Max Housing (28% Rule)
$1,849
per month
Owner Cost Burden
16.4%
of gross income
You can likely afford the median home in Ogle County
Median home value is $184,100. Estimated monthly cost: $1,470 vs. your max of $1,849.
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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