What it's like to live in Jacksonville
Jacksonville is a small city in Illinois with rent below the national average, home prices that remain within reach, crime rates well below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.
The tradeoffs are worth naming plainly. Jacksonville deals with household incomes below the national average, a poverty rate above the national average, cold winters, and fewer dining and entertainment options than a bigger city.
The good
- Rent below the national average
- Affordable home prices
- Low crime rates
- Short commutes
- Low student-teacher ratio
The not so good
- Below-average household incomes
- High poverty rate
- Cold winters
- Smaller place — fewer dining and entertainment options
- Car-dependent — few commuters use transit
How Jacksonville compares
Median household income
Median rent (per month)
Median home value
What it takes to move to Jacksonville
Based on Jacksonville's median rent, home value and household income
To rent
$1,422
up front: first month plus a typical one-month deposit
- Income to keep rent under 30%: $28,440 a year
- 31% of Jacksonville renters spend 30% or more of their income on rent
To buy
$25,640
a 20% down payment on the median home
- With 10% down: $12,820
- Homes cost 2.0× the typical local household income (US: 4.1×)
Moving costs, closing costs and taxes not included.
The details
Cost of living▼ 50% below US
$711/mo median rent
Rent here is genuinely low, with median rent around $711 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $128,200. That kind of affordability is rare in today's market.
Median home value $128,200 · 31% of renters cost-burdened
Job market
4.1% county unemployment
Unemployment in Morgan County is 4.1%, close to the national average of 4.3%. That's the county-wide rate; BLS doesn't measure a place this size on its own.
Morgan County (county-wide)
Safety▼ 40% below US
198 violent crimes per 100k
Pretty safe, all things considered. Violent crime sits below the national average, nothing alarming, just ordinary city-life awareness.
Property crime 1786/100k · Jacksonville Police Department · 2025 data
Getting around▼ 38% below US
16 min average commute
Commutes run short here, averaging 16 minutes. That's an underrated perk of living in a smaller or well-planned city, where time isn't lost sitting in traffic. 9 in 10 workers drive to work; 8% work from home.
How workers get to work
Climate
Summers are warm, with highs around 85°F, and winters are cold, with lows around 20°F and snow a regular occurrence. Rainfall is regular throughout the year.
Average month
30-year averages, 1991–2020
Healthcare
1 hospital
There's one Medicare-certified hospital inside city limits. Hospitals in neighboring towns aren't counted here.
Medicare-certified hospitals
Education & workforce▼ 37% below US
23% bachelor's degree or higher
College degree attainment runs below average at 23%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.
Schools
15 public schools inside the boundary
There are 15 public schools inside the boundary and 3 private schools. The student-to-teacher ratio is 13:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.
Parks & recreation
The nearest national park or historic site is Lincoln Home National Historic Site (32 miles away). There are 5 national parks and sites within a day's drive.
Bottom line
Jacksonville's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are household incomes below the national average and a poverty rate above the national average. A year of median rent ($711/mo) equals 13% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget, anyone prioritizing low crime, and people who want short commutes. It may be a harder fit for anyone who doesn't drive.
Other places near Jacksonville
All Illinois guides →Moving to Chatham →
29 mi away · pop. 14,639
Rent $1,256/mo · Income $106,773
Compare with Jacksonville →Moving to Springfield →
31 mi away · pop. 113,330
Rent $975/mo · Income $66,064
Compare with Jacksonville →Moving to Taylorville →
52 mi away · pop. 10,646
Rent $828/mo · Income $57,552
Compare with Jacksonville →Not sure Jacksonville is the one?
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