Is $59,000 a good salary in Illinois?

$59,000 in Illinois provides a monthly take-home of approximately $3,883 after taxes. Across major Illinois cities, this salary is rated comfortable, with an average monthly surplus of $1,453.

What is the cost of living on $59,000 in Illinois?

The average monthly living cost across major Illinois cities is approximately $2,430 for a single adult (rent, food, transport, utilities, healthcare). On $59,000 take-home pay of $3,883/month, you would have roughly $1,453/month remaining.

Living in Illinois · 2026

Is $59,000 enough to live in Illinois?

Single adult · IL · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Comfortable

Monthly take-home

$3,883

Avg monthly expenses

$2,430

Avg monthly surplus

$1,453

Savings potential

~37%

After-tax take-home in Illinois

Gross salary$59,000

Federal income tax− $4,974

State income tax− $2,921

Social Security− $3,658

Medicare− $856

Annual take-home$46,591

Effective tax rate21.03%

How $59,000 feels in Illinois cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Chicago

COL index: 1.38× national avg

Comfortable

Rent (1BR)

$2,000

Food

$519

Transport

$241

Utilities

$228

Healthcare

$276

Total: $3,264/mo

Surplus: $619/mo

Rent burden: 51.5% — Unaffordable (> 50%)

Full Chicago analysis →

Aurora

COL index: 1.08× national avg

Comfortable

Rent (1BR)

$1,400

Food

$493

Transport

$189

Utilities

$178

Healthcare

$216

Total: $2,476/mo

Surplus: $1,407/mo

Rent burden: 36.1% — High (35–50%)

Full Aurora analysis →

Naperville

COL index: 1.18× national avg

Comfortable

Rent (1BR)

$1,600

Food

$528

Transport

$207

Utilities

$195

Healthcare

$236

Total: $2,766/mo

Surplus: $1,117/mo

Rent burden: 41.2% — High (35–50%)

Full Naperville analysis →

Joliet

COL index: 1.00× national avg

Very comfortable

Rent (1BR)

$1,250

Food

$462

Transport

$175

Utilities

$165

Healthcare

$200

Total: $2,252/mo

Surplus: $1,631/mo

Rent burden: 32.2% — Manageable (25–35%)

Full Joliet analysis →

Rockford

COL index: 0.91× national avg

Very comfortable

Rent (1BR)

$1,050

Food

$409

Transport

$159

Utilities

$150

Healthcare

$182

Total: $1,950/mo

Surplus: $1,933/mo

Rent burden: 27.0% — Manageable (25–35%)

Full Rockford analysis →

Springfield

COL index: 0.88× national avg

Very comfortable

Rent (1BR)

$1,000

Food

$396

Transport

$154

Utilities

$145

Healthcare

$176

Total: $1,871/mo

Surplus: $2,012/mo

Rent burden: 25.8% — Manageable (25–35%)

Full Springfield analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $3,883 ($46,596/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$1,942

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$1,165

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$777

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$23,298

Wants / year

$13,979

Savings / year

$9,319

Salary Intelligence

Financial pressure in Chicago

Rent alone would take 52% of take-home income. This salary creates significant financial pressure in this city — a $80,000 annual income or lower rent is needed to reach affordability.

Lifestyle score: 3.4/10 (Challenging)

Lifestyle Assessment

A $59,000 salary supports a challenging single lifestyle in Chicago, Illinois. After essential expenses, approximately $619/month (~16% of take-home) is available for savings or discretionary spending.

Purchasing Power

Chicago's above-average cost of living (index: 1.38) means $59,000 provides the purchasing power of roughly $42,754 in an average-cost US city, or $50,449 in Austin. Moving to a lower-cost state could effectively increase your take-home by thousands.

State & National Benchmark

$59,000 is 29% above the Illinois individual median ($45,700) and 5% above the US national median of $56,000.

State individual median

$45,700

+29%

State household median

$78,433

-25%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

401(k) Age 50+ Catch-Up Contribution — Up to $2,775 additional tax savings (37% bracket)

$59,000 vs. Illinois income benchmarks

Individual median (Illinois)

$45,700

+29% vs. this salary

Household median (Illinois)

$78,433

-25% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Illinois

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.