Des Plaines is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment around $1,900 and slightly higher grocery and utility costs compared to the national average.
Housing Costs in Des Plaines
Housing is the biggest expense for most Des Plaines residents. Typical housing options include apartments, condos, townhomes, and single-family houses. Rents and home prices vary by neighborhood, with areas closer to downtown Chicago and public transit generally being pricier.
For renters, a basic 2-bedroom apartment averages around $1,900 per month as of 2025. Prices range from $1,600 in older buildings farther from the city center to over $2,200 for newer units with amenities. Townhomes and single-family rental homes start around $2,400.
Buying a home in Des Plaines requires a significant budget. A standard 3-bedroom, 2-bathroom house costs between $350,000–$450,000 in most neighborhoods. Prices can exceed $600,000 for larger, updated properties in prime locations. Some developments have mandatory Homeowners Association (HOA) fees of $200–$400 monthly.
Utility Costs
Utility bills in Des Plaines tend to be slightly higher than the national average. Expect to pay around $150–$250 monthly for electricity and gas, with costs spiking in the summer due to air conditioning. Water, sewer, and trash collection add another $60–$100 per month for a typical household.
Internet and cable packages start around $50 for basic service and can exceed $150 for premium plans. Many residents opt for cell phone service only, which runs $40–$80 per line monthly.
Groceries and Food
Groceries in Des Plaines cost about 5% more than the national average. Budget $350–$550 per month for a single person, depending on diet and brand preferences. A couple should plan on $700–$900, while a family of four may spend $1,000 or more.
Eating out adds up quickly. A basic fast food meal is $8–$12, while a sit-down dinner for two averages $40–$60 before tax and tip. Specialty beverages like coffee and smoothies cost $4–$7 each.
| Expense | Estimated Monthly Cost |
|---|---|
| Groceries (single) | $350 – $550 |
| Groceries (couple) | $700 – $900 |
| Groceries (family of 4) | $1,000+ |
| Fast food meal | $8 – $12 |
| Restaurant dinner for 2 | $40 – $60 |
Taxes and Fees
Des Plaines has a property tax rate around 2.5%, which is higher than the national average but typical for the Chicago area. For a $400,000 home, annual property taxes would be approximately $10,000.
Sales tax in Des Plaines is 10%, consisting of 6.25% state, 1.75% county, and 2% city tax. This applies to most goods except groceries and prescription medications.
Vehicle registration fees in Illinois are based on model year. Cars up to 3 years old cost $151 annually, while older vehicles are $101. Drivers also pay personal property tax on vehicles, which varies by value and location.
Monthly Budget Examples
| Household | Estimated Monthly Budget (Gross) |
|---|---|
| Single person | $3,200 – $4,000 |
| Couple | $4,500 – $5,500 |
| Family of 4 | $6,500 – $8,000 |
Note that these are estimates of gross monthly income (pre-tax) needed to live comfortably in Des Plaines. Actual budgets vary significantly based on lifestyle, debt, and savings goals.
Lifestyle Considerations
Des Plaines offers a mix of urban convenience and suburban comfort. Commute times to downtown Chicago average 30-45 minutes by car or Metra train. O’Hare International Airport is only 15 minutes away, a perk for frequent travelers.
While Des Plaines has higher housing costs than farther-out suburbs, many residents feel the tradeoff is worth it for the shorter commutes, diverse amenities, and access to parks and trails. Homes tend to be a bit smaller and older than in newer developments, but most are well-maintained.
Compared to Chicago proper, Des Plaines offers more affordable housing, lower crime rates, and a quieter atmosphere. However, urban excitement is never far away. It’s a great compromise for those who want the best of suburban and city life.
Frequently Asked Questions
- What salary do you need to live in Des Plaines?
A single person needs a gross (pre-tax) income of at least $3,200 per month to live modestly in Des Plaines. A couple should budget $4,500 or more, while a family of four will need $6,500+ monthly. - Is Des Plaines cheaper than Chicago?
Yes, the cost of living in Des Plaines is about 20% lower than in Chicago, mainly due to more affordable housing. However, Des Plaines is still more expensive than the national average. - What are the top 3 costs that surprise people moving to Des Plaines?
Newcomers to Des Plaines are often taken aback by high property taxes, hefty state vehicle registration fees, and above-average utility costs, especially air conditioning in the summer. - How much is the average rent in Des Plaines?
As of 2025, average rent for a 2-bedroom apartment in Des Plaines is around $1,900 per month. Prices range from $1,600 for older units up to $2,200+ for newer buildings with amenities. - Is Des Plaines a good place to live?
Des Plaines consistently ranks as one of the best suburbs of Chicago, offering a great mix of affordability, convenience, safety, and amenities. It’s a smart choice for commuters and families. - How can I reduce moving costs to Des Plaines?
Consider moving with portable containers instead of a full-service truck to save money. Downsizing, selling items, and enlisting friends can also trim expenses.