Harvard is located in Illinois and has an overall cost of living that is -12% compared to the national average. Understanding the full picture of living expenses — from housing and rent to grocery bills and healthcare — is essential when considering a move to Harvard.

Housing: Median rent in Harvard is $962.24 / month, and the median home price is $320,623. Housing costs are -40% compared to the national average, which significantly impacts monthly budgets.

Groceries: Daily essentials like bread ($4.16), milk ($4.82), and eggs ($4.76) reflect the local grocery landscape. Overall grocery costs are +2% vs the national average.

Healthcare: Medical costs include doctor visits ($162.75), dentist visits ($130.74), and prescription drugs ($23.56). These costs should be factored into your monthly budget when planning a move.

Illinois has a state income tax rate of 4.95%, which affects take-home pay for Harvard residents.

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Harvard, Illinois Cost of Living FAQ

Common questions about living costs in Harvard.

Harvard, Illinois has an overall cost of living that is -12% the national average. Housing costs are -40% vs the national average. Grocery prices are +2% vs average. Utilities are -8% vs average. This makes Harvard a very affordable place to live.

The median rent in Harvard, Illinois is $962.24 / month. Average energy bills run $202.74 / month. Phone bills average $180.87 / month. Housing is typically the largest expense for residents.

Healthcare costs in Harvard: doctor's visit averages $162.75, dentist visit averages $130.74, prescription drugs average $23.56. Overall healthcare expenses in the area are influenced by the +2% grocery cost difference.

Harvard is one of 377 cities tracked in Illinois. With an overall cost -12% vs the national average, it is more affordable than many other cities in the state. Visit our Illinois state page to compare all cities side-by-side and find the best fit for your budget.

Harvard offers cost of living -12% compared to the national average. Key factors to consider: median home price of $320,623, rent of $962.24 / month, and a state income tax of 4.95% in Illinois. Explore our detailed cost breakdown above to see if Harvard fits your budget.