Is $100,000 a good salary in Illinois?
$100,000 in Illinois is an above-median household income - the 58th percentile of Illinois households in the Census ACS 2024 distribution (59th nationally). A single filer keeps about $74,529 after federal, Illinois state, and FICA taxes - roughly $6,211/mo at a 25% effective rate. Statewide median rent takes 15% of gross, inside the affordable band.
Estimate only - not financial advice. Methodology and sources.
Census ACS 2024 1-year data (tables B19080, B19013), verified . Reviewed by kgenots, Editor. Methodology
Illinois household income distribution (ACS 2024)
Illinois's own published cut-points - where $100,000 sits is highlighted. These are the actual Census quintile thresholds for Illinois, not the national distribution rescaled.
| Percentile | Band | Household income |
|---|---|---|
| 20th percentile | Bottom 20% | $34,073✓ passed |
| 40th percentile | Lower-middle | $65,839✓ passed |
| 50th percentile (median) | Median household | $83,211✓ passed |
| 60th percentile | Upper-middle | $103,880 |
| 80th percentile | Top 20% starts | $166,524 |
| 95th percentile (top 5%) | Top 5% starts | $250,001 |
$100,000 clears the 50th percentile (median) threshold in Illinois - placing it at the 58th percentile of state households.
Take-home pay on $100,000 in Illinois
| Gross income | $100,000 |
| Federal income tax | −$13,614 |
| Illinois state income tax | −$4,208 |
| Social Security (6.2%) | −$6,200 |
| Medicare (1.45%) | −$1,450 |
| Take-home (net) | $74,529 |
That's about $6,211/month net, an effective tax rate of 25.5%. Illinois's average combined sales tax is 8.88%, charged on taxable spending out of that net - a consumption cost on top of the income tax above.
Single filer, 2025 federal brackets + standard deduction. State tax uses Illinois's top/flat marginal rate, so in progressive-bracket states (e.g. California, New York) the state line is an upper bound and your actual net is likely a little higher. Married-filing-jointly and pre-tax 401(k)/health deductions also change the result. Estimate only - Illinois take-home detail →
Occupations near $100,000 (single earner)
BLS national median wages within ±15% of $100,000 - gives texture for which careers and seniorities land at this income level.
| Occupation | Stage | National wage |
|---|---|---|
| Software engineer (senior) | entry-level | $100,000 |
| UX designer | mid-career | $99,520 |
| Mechanical engineer | mid-career | $99,000 |
| Elementary teacher | senior | $99,000 |
| Investment banker (analyst) | mid-career | $102,050 |
| Civil engineer | mid-career | $95,890 |
Source: BLS Occupational Employment and Wage Statistics (OEWS), May 2024. National medians; metro/state variance can be ±30%. Career stage estimates: entry ≈ 25th pct, senior ≈ 75th pct of the same SOC code.
Lifestyle context - rent burden in Illinois
At $100,000 gross, statewide median rent eats 15% of income - inside the affordable band. Metro areas (LA, SF, NYC, Boston, Seattle) typically run 30-50% above the statewide median.
Home affordability at $100,000
Using the 28% rule on a 30-year mortgage, $100,000 gross supports a home purchase up to about $269,813. Illinois median home value is $250,400 - you can afford 108% of the median home, so buying statewide is realistic.
How $100,000 ranks in neighboring states
State-adjusted percentile shows the same income placed in Illinois's contiguous neighbors. Relevant for relocation, remote-work geography, or border-town decisions.
| State | Median HH | % vs median | Percentile |
|---|---|---|---|
| Illinois (current) | $83,211 | +20% | 58th |
| Kentucky | $64,526 | +55% | 68th |
| Indiana | $71,959 | +39% | 65th |
| Missouri | $71,589 | +40% | 65th |
| Iowa | $75,501 | +32% | 64th |
| Wisconsin | $77,488 | +29% | 62nd |
$100,000 ranks similarly in
Other incomes in Illinois
Common questions
- Is $100,000 a good household income in Illinois?
- It sits at roughly the 58th percentile of Illinois households in the state's own Census ACS 2024 income distribution (Illinois median $83,211). Nationally that's about the 59th percentile. Whether "good" depends on household size, debt, and metro cost of living - state figures smooth over big within-state variation.
- How does $100,000 compare to the Illinois median?
- It's 20% above the Illinois median household income of $83,211 (Census ACS 2024, table B19013). Half of Illinois households earn less than $83,211, half earn more.
- How exact is the 58th percentile figure for $100,000?
- It is interpolated, not read off a published table. The Census publishes Illinois household income only at quintile cut-points, and $100,000 falls between the median ($83,211) and the 60th-percentile cut-point ($103,880). We interpolate linearly between those two published points, so the figure is accurate to a few percentile points, not to the decimal.
- What is the highest income Illinois's data can rank?
- Illinois's published 95th-percentile cut-point is $250,001, below the $250,001 level at which the Census top-codes this measure. That means percentile positions in Illinois stay meaningful across the full range shown here, unlike in higher-income states where the top bracket is censored.
Full data sources and formulas: /sources.
Source and methodology
Data source. Illinois household income distribution comes from the U.S. Census Bureau, American Community Survey 2024 1-year estimates: table B19080 (quintile upper limits) and table B19013 (median household income), retrieved via the Census Reporter API on 2026-07-11.
How the percentile is derived. The Census publishes Illinois only at the cut-points shown in the table above. We interpolate linearly between the two published points that bracket $100,000 ($83,211 and $103,880). We do not rescale one national curve by a state median, which is what most percentile calculators do.
Limitations. Interpolated positions are accurate to a few percentile points, not to the decimal. Illinois's 95th-percentile cut-point is $250,001, below the $250,001 top-code ceiling, so ranks stay meaningful across the range shown. State-level figures also smooth over large metro-to-rural variation within Illinois.
US household income percentile calculator → Income percentile by state (all 50) → Full methodology →
Estimate only - not financial advice. Percentiles are interpolated from US Census Bureau ACS household income distribution tables and describe where an income falls nationally - they are not a judgment of what you should earn or financial advice. Cost of living varies widely by state and metro.
Reviewed by kgenots, Editor · editorial policy