Cost of Living in Harvard, IL
Overall index: 75 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 50 | -50% | $829 |
| Transportation | 105 | +5% | $3.50 |
| Food | 96 | -4% | $394 |
| Utilities | 75 | -25% | $90 |
| Healthcare | 75 | -25% | $65 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Harvard?
A single adult living comfortably in Harvard, IL needs approximately $26,250 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Harvard, IL?
The overall cost of living in Harvard, IL is 25% lower than the US national average (index: 75 where 100 = national average).
How much is rent in Harvard, IL?
Average rent for a 1-bedroom apartment in Harvard, IL is about $829/month.
Is Harvard, IL expensive to live in?
No, Harvard, IL is affordable (below national average).
What salary do I need to live in Harvard, IL?
A single adult needs roughly $26,250/year to cover basic living costs in Harvard, IL.