Illinois · Census, HUD and BEA figures · Updated

Cost of Living in Kendall County, IL

Prices around Kendall County, IL run 3.6% above the U.S. average (BEA, the metro area). The typical household there earns $111,601 a year, and HUD puts a two-bedroom at $2,050 a month. Keeping that rent under 30% of income takes about $82,000 a year.

Kendall County, IL at a glance

Median household income

$111,601$9,300 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$2,050HUD FY2026 Fair Market Rent
Price level (U.S. = 100)103.6+3.6% · BEA, the metro area
Electricity19.9¢per kWh · EIA Residential IL
Population137,675Census ACS 5-year estimate

How much rent can you afford in Kendall County, IL?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$2,050Monthly market rent
Share of gross income22%Recommended max: 30%
Annual income needed$82,000To meet the 30% standard
Max affordable rent$2,790At 30% of $111,601
0%30% (Affordability standard)100%
Compare against:

How much is rent in Kendall County, IL? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Kendall County, IL HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in Kendall County, IL, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$1,413$16,956$56,52015.2%
1-Bedroom Apartment$1,562$18,744$62,48016.8%
2-Bedroom ApartmentBenchmark$2,050$24,600$82,00022%
3-Bedroom Home$2,819$33,828$112,76030.3%
4-Bedroom Home$2,918$35,016$116,72031.4%

Rent in Kendall County, IL, with the wage each unit needs →

What a typical income covers in Kendall County, IL

The 50/30/20 rule applied to the local median of $111,601 a year ($9,300 a month before tax).

Needs (50%)$4,650/moRent ($2,050 2-BR), utilities (~$179/mo), groceries, transit
Wants (30%)$2,790/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,860/moEmergency fund, retirement, paying down loans

What $111,601 leaves after Illinois taxes

Federal income tax, Social Security, Medicare and Illinois tax on the local median income. Change the salary to see yours.

$111,601
$40,000$225,000
Filing status:
Gross salary breakdown$111,601
Net 73%
Fed 14%
IL 5%
FICA 8%
Annual take-home$81,962After all taxes
Monthly deposit$6,830Estimated per month
Biweekly paycheck$3,152Every 2 weeks (26/yr)
Effective tax rate26.6%Total tax burden
Federal income tax$15,722 / yr
Illinois state income tax$5,379 / yr
FICA (Social Security & Medicare)$8,537 / yr

Living in Kendall County, IL: common questions

What is the median household income in Kendall County, IL?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Kendall County, IL is $111,601 per year (approximately $9,300 per month).

What is the average rent in Kendall County, IL?

The closest official figure is HUD's Fair Market Rent for 2026: $1,413 for a studio, $1,562 for one bedroom, $2,050 for two, $2,819 for three and $2,918 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is Kendall County, IL expensive to live in?

Prices there run 3.6% above the U.S. average. BEA's regional price parity for the metro area is 103.6, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in Kendall County, IL?

To keep a $2,050 two-bedroom under 30% of gross income, a household needs about $82,000 a year, or $6,833 a month. That is 73% of what the typical household in Kendall County, IL earns.

How much do you need to live comfortably in Kendall County, IL?

On the local median income of $111,601 ($9,300 a month before tax), the 50/30/20 rule leaves $4,650 a month for needs like rent, utilities and groceries, $2,790 for everything else and $1,860 for savings or debt. A two-bedroom at $2,050 takes 44% of the needs share.

How much is the electric bill in Kendall County, IL?

Homes in Illinois paid 19.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $179. Your bill depends mostly on heating and cooling.