Rock Island, IL at a glance
Median household income
$59,041$4,920 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Rock Island, IL?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Rock Island, IL? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Davenport-Moline-Rock Island, IA-IL MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $817 | $9,804 | $32,680 | 16.6% |
| 1-Bedroom Apartment | $928 | $11,136 | $37,120 | 18.9% |
| 2-Bedroom ApartmentBenchmark | $1,143 | $13,716 | $45,720 | 23.2% |
| 3-Bedroom Home | $1,498 | $17,976 | $59,920 | 30.4% |
| 4-Bedroom Home | $1,819 | $21,828 | $72,760 | 37% |
What a typical income covers in Rock Island, IL
The 50/30/20 rule applied to the local median of $59,041 a year ($4,920 a month before tax).
What $59,041 leaves after Illinois taxes
Federal income tax, Social Security, Medicare and Illinois tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Illinois
Living in Rock Island, IL: common questions
What is the median household income in Rock Island, IL?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Rock Island, IL is $59,041 per year (approximately $4,920 per month).
What is the average rent in Rock Island, IL?
The closest official figure is HUD's Fair Market Rent for 2026: $817 for a studio, $928 for one bedroom, $1,143 for two, $1,498 for three and $1,819 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 Rock Island, IL expensive to live in?
Prices there run 10.9% below the U.S. average. BEA's regional price parity for the metro area is 89.1, 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 Rock Island, IL?
To keep a $1,143 two-bedroom under 30% of gross income, a household needs about $45,720 a year, or $3,810 a month. That is 77% of what the typical household in Rock Island, IL earns.
How much do you need to live comfortably in Rock Island, IL?
On the local median income of $59,041 ($4,920 a month before tax), the 50/30/20 rule leaves $2,460 a month for needs like rent, utilities and groceries, $1,476 for everything else and $984 for savings or debt. A two-bedroom at $1,143 takes 46% of the needs share.
How much is the electric bill in Rock Island, 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.