Stephenson County, IL at a glance
Median household income
$64,043$5,337 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Stephenson County, 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 Stephenson County, IL? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Stephenson County, IL, 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 | $694 | $8,328 | $27,760 | 13% |
| 1-Bedroom Apartment | $698 | $8,376 | $27,920 | 13.1% |
| 2-Bedroom ApartmentBenchmark | $916 | $10,992 | $36,640 | 17.2% |
| 3-Bedroom Home | $1,124 | $13,488 | $44,960 | 21.1% |
| 4-Bedroom Home | $1,342 | $16,104 | $53,680 | 25.1% |
Rent in Stephenson County, IL, with the wage each unit needs →
What a typical income covers in Stephenson County, IL
The 50/30/20 rule applied to the local median of $64,043 a year ($5,337 a month before tax).
What $64,043 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 Stephenson County, IL: common questions
What is the median household income in Stephenson County, IL?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Stephenson County, IL is $64,043 per year (approximately $5,337 per month).
What is the average rent in Stephenson County, IL?
The closest official figure is HUD's Fair Market Rent for 2026: $694 for a studio, $698 for one bedroom, $916 for two, $1,124 for three and $1,342 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 Stephenson County, IL expensive to live in?
Prices there run about the same as the U.S. average. BEA's regional price parity for Illinois is 100.0, 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 Stephenson County, IL?
To keep a $916 two-bedroom under 30% of gross income, a household needs about $36,640 a year, or $3,053 a month. That is 57% of what the typical household in Stephenson County, IL earns.
How much do you need to live comfortably in Stephenson County, IL?
On the local median income of $64,043 ($5,337 a month before tax), the 50/30/20 rule leaves $2,668 a month for needs like rent, utilities and groceries, $1,601 for everything else and $1,067 for savings or debt. A two-bedroom at $916 takes 34% of the needs share.
How much is the electric bill in Stephenson 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.