Cost of Living in Elmhurst – Housing, Groceries, Taxes & More

Elmhurst is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment at $1,950 and slightly higher property taxes compared to the national average.

Imagine this: You’ve just accepted a new job in Elmhurst, IL and are preparing to relocate from out of state. As you start apartment hunting and budgeting for your new life, the reality of Elmhurst’s living costs begins to sink in. The charming tree-lined streets and well-maintained homes come at a price, and you find yourself carefully weighing the financial tradeoffs of this desirable Chicago suburb.

For many new residents, the cost of living in Elmhurst can be an adjustment. While not as pricey as some of Chicago’s most exclusive enclaves, Elmhurst demands a comfortable income to maintain a high quality of life. Let’s take a closer look at what you can expect to spend on housing, food, utilities, and other essentials in Elmhurst circa 2025.

Housing Costs in Elmhurst

Housing is likely to be your biggest expense in Elmhurst, whether you’re renting or buying. As of 2025, a typical 2-bedroom apartment in Elmhurst rents for around $1,950 per month. If you’re looking to purchase a home, expect to pay between $450,000 and $750,000 for a 3-bedroom single-family house, depending on the neighborhood and property condition.

Some of the most desirable areas, like the historic district around Elmhurst University or the newer developments on the city’s north side, command even higher prices. However, more affordable options can be found in the apartments and townhomes around North York Street or the mature neighborhoods south of I-290.

In addition to mortgage or rent payments, be prepared for homeowners association (HOA) fees in some Elmhurst neighborhoods. These can range from $200-500 per month, covering amenities and exterior maintenance. Property taxes in Elmhurst are also higher than the national average, at around 2.5% of a home’s assessed value.

Utility Costs

Elmhurst residents can expect to pay around $180 per month for basic utilities like electricity, natural gas, water, and trash collection. High-speed internet adds another $65-100 to the monthly utility budget.

Keep in mind that heating and cooling costs can vary significantly with the seasons. Elmhurst’s cold winters and hot summers mean higher energy bills during those months. Enrolling in budget billing plans from utility providers can help even out costs throughout the year.

Food and Grocery Expenses

Food costs in Elmhurst are slightly higher than the U.S. average. Expect to budget around $400 per month for groceries for a single person, or $1,100 for a family of four. This assumes a mix of cooking at home and dining out occasionally.

A gallon of milk in Elmhurst runs about $4.20, while a dozen eggs cost around $3.00. Bread is about $3.50 per loaf, and chicken breasts average $4.50 per pound. Eating a meal out at a mid-range restaurant will set you back $60 for two people, while a quick fast food combo runs about $9.

Elmhurst has a good selection of grocery stores, from major chains like Jewel-Osco and Whole Foods to local favorites like Angelo Caputo’s Fresh Markets. Many residents take advantage of the Elmhurst Farmers Market, held weekly from June to October, for fresh local produce and specialty items.

Transportation and Commuting Costs

Elmhurst’s location about 20 miles west of downtown Chicago makes it a popular choice for commuters. Many residents rely on the Metra Union Pacific West line, which runs from Elmhurst to Ogilvie Transportation Center in the Loop. A monthly unlimited ride pass costs $210.60 as of 2025.

If you drive to work, budget for gas, parking, and vehicle maintenance costs. Gas prices in Elmhurst hover around $3.80 per gallon, and parking in downtown Chicago can run $25-45 per day. Many employers offer pre-tax transit benefits or subsidized parking to help offset these costs.

For getting around town, Elmhurst has several Pace bus routes and a walkable downtown area. The city also has an extensive network of bike trails, making cycling a viable option for shorter commutes and errands.

Taxes in Elmhurst

Illinois has a flat income tax rate of 4.95%, which applies to Elmhurst residents. The sales tax rate in Elmhurst is 8.25%, including state, county, and local taxes.

As mentioned earlier, property taxes in Elmhurst are relatively high, averaging 2.5% of a home’s assessed value. For a $500,000 home, that equates to about $12,500 per year or $1,040 per month.

Lifestyle and Budget Considerations

While Elmhurst’s costs are higher than the national average, many residents feel the tradeoff is worth it for the city’s excellent schools, safe neighborhoods, and convenient access to Chicago. Families appreciate the spacious homes and yards, while young professionals enjoy the vibrant downtown scene and Metra access.

To live comfortably in Elmhurst, aim for a gross monthly income (pre-tax) of at least $6,000 for a single person or $8,500 for a family of four. This factors in housing, utilities, food, transportation, and some discretionary spending. Keep in mind that childcare costs, student loan payments, or significant health expenses would require a higher income.

Elmhurst does offer some options for economizing, like choosing a smaller apartment, relying on public transit instead of driving, or cooking at home more often. However, big-city extras like entertainment, dining out, and travel can quickly eat into any budget. Careful planning and saving are essential to make the most of living in this desirable suburb.

Frequently Asked Questions

• Q: Is Elmhurst an expensive place to live?
  A: Compared to the U.S. average, Elmhurst has a higher cost of living, particularly for housing, taxes, and some essentials like food and utilities. However, it is more affordable than some other Chicago suburbs.
• Q: How much do I need to earn to live comfortably in Elmhurst?
  A: To cover basic expenses and have some discretionary income, aim for a gross monthly income of at least $6,000 for a single person or $8,500 for a family of four. However, your specific needs may require more or less depending on your lifestyle and financial obligations.
• Q: What are the most affordable neighborhoods in Elmhurst?
  A: Some of the more budget-friendly areas include the apartments and townhomes around North York Street and the older neighborhoods south of I-290. However, prices can vary significantly even within these areas.
• Q: How do Elmhurst’s living costs compare to Chicago proper?
  A: While Elmhurst is less expensive than living in downtown Chicago or the most exclusive neighborhoods, it still has relatively high housing costs and taxes. The tradeoff is more space, better schools, and a suburban lifestyle.
• Q: What are the most significant expenses to consider when moving to Elmhurst?
  A: Housing, whether renting or buying, will likely be your biggest expense. Be prepared for higher property taxes, HOA fees in some areas, and seasonal spikes in utility costs. Commuting expenses can also add up quickly if you work in Chicago.
• Q: How can I reduce my living expenses in Elmhurst?
  A: Look for housing in more affordable neighborhoods, rely on public transit instead of driving, cook meals at home, and take advantage of free community events and amenities. If working remotely is an option, you may be able to reduce commuting costs.
• Q: What’s the best way to move my belongings to Elmhurst?
  A: If you’re moving from out of state, compare options like renting a moving truck vs. using moving containers. For local moves, a professional moving company or renting a small truck may be more economical. Book early to secure the best rates.

While Elmhurst’s cost of living may give some newcomers sticker shock, those who call it home often find the city’s charms well worth the expense. By carefully evaluating your budget and priorities, you can find a way to make this desirable suburb work for you. With its welcoming community, excellent amenities, and easy access to Chicago, Elmhurst offers a quality of life that’s hard to put a price tag on.