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Bloomington, Illinois

USA · Comprehensive city data and intelligence

67
Overall Score

Bloomington, Illinois, is a vibrant city in McLean County, known for its strong economy, educational institutions, and a comfortable quality of life. Historically, the city's growth has been influenced by agriculture, the development of railroads, and the rise of the insurance industry, with State Farm Insurance being a prominent long-standing employer. People are drawn to Bloomington for its blend of a slower pace of life with access to good hospitals, schools, and recreational activities. The city and its adjoining community, Normal, form the fastest-growing metropolitan area in Illinois, experiencing significant population growth over the past decades.

About Illinois

Illinois, known as the "Prairie State," offers a diverse character ranging from the bustling metropolis of Chicago to expansive farmlands. Its economy is among the largest and most diversified in the U.S., with major industries including advanced manufacturing, agriculture and food processing, life sciences, technology, and transportation and logistics. While the cost of living statewide is generally considered moderate, housing costs in Chicago can be higher than the national average. Illinois experiences all four seasons, with hot, humid summers and cold, snowy winters, and is susceptible to severe storms and tornadoes, particularly in spring. Residents enjoy a lifestyle that balances world-class cultural amenities and career opportunities with challenges such as high taxes and urban congestion.

79,268
Population
$76K
Avg Salary
89
Cost Index
66.5
Quality Score
How this 67/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 65 / 100 65.0 30% 19.5
Affordability Cost of living index (100 = national baseline): 89.0 57.5 25% 14.4
Economy & jobs Median household income: $77,384 Income needed to live here: $44,700 Unemployment rate: 3.9% 88.1 20% 17.6
Growth Population growth rate: 0.2% Job growth rate: 2.83% 53.3 15% 8.0
Business climate assessment Business climate assessment: 70 / 100 70.0 10% 7.0
Overall score 66.5

Provenance. These figures were produced by the research pass recorded as Gemini (Tier 2 (reasoned), q=89), last refreshed 23 July 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

Businesses in Bloomington

Featured local businesses in Bloomington.

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Quality Scores

Business
70
Livability
74
Affordability
80
Growth
70

Cost of Living

The cost of living in Bloomington, IL, is generally more affordable than the national average, with an overall cost of living index of 89, meaning it's 11% cheaper than the U.S. average. Housing is a significant factor in this affordability, being approximately 11.0% less expensive than the national average. While groceries are slightly cheaper, utilities and healthcare services tend to be slightly higher than the national average, at 5.7% and 6.2% more, respectively. These factors contribute to Bloomington's reputation for affordable living in Central Illinois, making it an attractive option for those seeking a balanced lifestyle without the high costs of larger metropolitan areas.

Average Rent
$1,100/mo
Groceries
$685/mo
Transport
$300/mo
Utilities
$391/mo
Healthcare
$120/mo
Gym membership (monthly)
$45.00
Cinema ticket
$14.00
Restaurant meal (mid-range)
$25.00
Monthly groceries
$685.00
Doctor visit (without insurance)
$120.00

Salary Insights

Bloomington's economy is robust, employing approximately 41,075 people as of 2024, with a job growth rate of 2.83% from 2023 to 2024. The largest industries driving the local economy are Finance & Insurance, Health Care & Social Assistance, and Educational Services. Major employers include State Farm Insurance, Rivian, Illinois State University, COUNTRY Financial, Carle BroMenn Hospital, and OSF St. Joseph Medical Center. The average annual salary in Bloomington was reported at $76,000 as of May 2026, with the highest paying industries being Management of Companies & Enterprises and Finance & Insurance. The unemployment rate in Bloomington was 3.9% in May 2026, which is lower than the national average.

The average salary in Bloomington is $76,000 per year. You would need approximately $44,700 to live comfortably.

Top Industries

Retail Trade +1.00% Manufacturing +1.50% Health Care & Social Assistance +2.00% Educational Services +1.80% Finance & Insurance +2.50%

Climate

🌡️
Avg Temp
☀️
Summer High
❄️
Winter Low
🌧️
"
Annual Rain
💧
%
Humidity
🌤️
Sunny Days

Transport

Getting around Bloomington primarily involves personal vehicles, with approximately 75% of residents commuting by car. The average commute time is around 17 minutes, which is shorter than the national average. While car dependency is high, the city also offers public transportation through the Connect Transit system, with a monthly pass costing around $40. Bloomington is considered to be a fairly walkable city in all climates, offering some pedestrian-friendly areas. Traffic congestion is generally not a major issue, contributing to smoother daily commutes compared to larger urban centers.

17 min
Avg Commute
50.00/10
Transit Score
60.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
The cost of living in Bloomington is 11% lower than the national average, making it an affordable place to reside.
Bloomington boasts a strong job market with a 2.83% job growth rate from 2023 to 2024, particularly in Finance & Insurance and Healthcare.
The average commute time is 17 minutes, significantly shorter than the national average, leading to less time spent in traffic.
The median household income of $77,384 in 2024 is competitive, supporting a comfortable lifestyle.
The city offers a balanced quality of life with access to good hospitals, schools, and recreational activities.
Drawbacks
Utilities costs in Bloomington are 5.7% higher than the national average, potentially impacting monthly budgets.
Healthcare costs are 6.2% higher than the national average, which could be a consideration for residents.
Public transportation options are available, but the city exhibits high car dependency, with 75% of residents using personal vehicles for commuting.
While generally safe, the city has an average crime rate, suggesting areas where vigilance may be necessary.
The median rent of $1,100 per month, while affordable compared to national averages, can still be a significant expense for some households.

Questions about Bloomington

What people ask about living in and moving to Bloomington, Illinois.

Is Bloomington a safe place to live? Safety 1 answer

Bloomington’s safety score is 65 out of 100, indicating a moderate level of safety. Crime rates are lower than some nearby urban centers but higher than more rural areas. Checking recent crime statistics on the city’s official website and talking to local residents can give you a clearer picture.

How does Bloomington’s cost of living compare to the national average? Cost of Living 1 answer

Bloomington’s cost of living index is 89, which means it is roughly 11% lower than the national average. Housing, groceries, and transportation costs are typically below national averages, allowing a salary of $76,000 to go further in day‑to‑day expenses.

What public transportation options are available in Bloomington? Getting Around 1 answer

Bloomington offers a local transit system with bus routes that cover most residential and commercial areas. The transit authority’s schedule and route maps are available online, and many residents also use rideshare services for longer trips.

What are the main industries hiring in Bloomington? Jobs & Economy 1 answer

Bloomington has a diverse economy with strong sectors in education, healthcare, manufacturing, and technology. Many employers look for professionals in these fields, so reviewing local job boards and networking events can help you find relevant openings.

Are there good healthcare facilities in Bloomington? Healthcare 1 answer

Bloomington hosts several hospitals, urgent care centers, and specialty clinics that provide comprehensive medical services. The city’s health department website lists accredited facilities and their service areas, and patient reviews can help you choose the best option.

What should I know about moving into Bloomington? Moving Here 1 answer

When moving to Bloomington, consider the local housing market, average rent, and cost of living. Arrange for utilities, register for local services, and familiarize yourself with the city’s public transportation and community resources. Checking the city’s official website for moving checklists can streamline the process.

How are the public schools rated in Bloomington? Schools & Education 1 answer

Public schools in Bloomington generally receive solid ratings, with many schools scoring above the state average on standardized assessments. Parents often consult the school district website and local parent forums to compare specific schools and their programs.

What recreational activities are popular in Bloomington? Things to Do 1 answer

Bloomington offers a mix of outdoor parks, trails, and community centers that host sports leagues, concerts, and cultural festivals. The city’s recreation department website provides a calendar of events and details on local facilities.

What is the average rent for a one-bedroom apartment in Bloomington? Housing 1 answer

The average rent for a one‑bedroom apartment in Bloomington is about $1,100 per month. Prices can vary depending on the neighborhood and building amenities, so check local listings for current rates and compare them to the city average.

What is the average salary in Bloomington? General 1 answer

The average annual salary in Bloomington is about $76,000. This figure reflects the city’s overall wage distribution across various industries and can serve as a benchmark when negotiating employment offers or assessing your financial plans.

Some answers here were drafted as a starting point and may be out of date. Live in Bloomington? Add your own.

Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.
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