Crystal lake, IL — Cost of Living & Relocation Guide
Population: 40,661
📍 Some data sourced from nearby metro area
About Crystal lake, IL
Welcome to our comprehensive guide to Crystal lake, IL. With a population of 40,661, Crystal lake features a cost of living index of 82.55 (17.5% below the national average of 100). The local economy supports a median household income of $103,018 (37% above the national average), while the real estate market offers homes at a median price of $363,325.
Explore our detailed crime and safety data (14% below the national average), school ratings, tax information, and climate data below. Compare Crystal lake with Chicago or other cities.
📅 Data last updated: February 2026 | Sources: U.S. Census Bureau ACS, FBI UCR, BLS
Crystal lake, IL Quick Facts & Key Statistics
💡City Insights
Crystal lake scores 8/10 for affordability, 6/10 for safety, and 5/10 for family-friendliness — an good overall profile. Its strongest aspect is affordability, making it particularly suitable for budget-conscious buyers. This balanced profile makes Crystal lake worth considering for various lifestyle priorities.
Living in Crystal lake, IL
Crystal Lake, located in McHenry County, Illinois, is a picturesque suburban city known for its natural beauty, vibrant community, and family-friendly atmosphere. Situated about 50 miles northwest of Chicago, it offers a blend of small-town charm and accessibility to urban amenities. The city is named after the scenic Crystal Lake, a popular destination for boating, fishing, and swimming, attracting both locals and visitors. Crystal Lake boasts a variety of parks and recreational facilities, including the expansive Three Oaks Recreation Area, which features trails, a water park, and a fishing pier. The city also hosts numerous community events throughout the year, fostering a strong sense of community engagement. Its historic downtown area is lined with shops, restaurants, and cafes, providing a cozy atmosphere for leisurely strolls. Education is a priority here, with top-rated schools contributing to the growing population of families. The city’s transportation is also convenient, with easy access to major highways and nearby Metra train stations, making commuting to Chicago manageable. Overall, Crystal Lake is an ideal place for those seeking a vibrant community with ample recreational opportunities and a picturesque setting.
How Crystal lake Compares
Black line indicates US average
💵 Affordability Calculator
Based on the 28/36 rule: housing costs should not exceed 28% of your gross income. Compared against local median income of $103,018.
Income Needed to Buy
Income Needed to Rent
Pros & Cons of Moving to Crystal lake, IL
Pros
- • Friendly community vibe
- • Growing job opportunities nearby
- • Welcoming to newcomers
- • Low crime rates generally
- • Access to lakes and nature
- • Family-friendly activities abound
- • Small-town charm with amenities
- • Good schools in the area
- • Diverse local events and culture
- • Nice parks and outdoor spaces
Cons
- • Public transport options lacking
- • Some traffic congestion issues
- • Job market competitive for some
- • Limited diversity in some areas
- • Tax rates can be high
- • Limited nightlife options
- • Seasonal weather challenges
- • Higher cost of living
- • May feel isolated at times
- • Limited cultural events
Frequently Asked Questions
What is the cost of living in Crystal lake, IL? ▼
The cost of living in Crystal lake, IL is 17% lower than the national average, with a cost of living index of 83 (where 100 represents the U.S. average). Housing typically accounts for the largest portion of living expenses. See full cost of living breakdown →
How much does it cost to buy or rent a home in Crystal lake, IL? ▼
In Crystal lake, IL, The median home price is $363,325. requiring approximately $120,712 annual income to afford. Average rent is $2,575/month (requiring ~$103,018/year income). The local median household income is $103,018, making homeownership attainable for typical residents. Explore Crystal lake real estate data →
Is Crystal lake, IL a safe place to live? ▼
Crystal lake, IL is average in terms of safety, with crime rates near the national average. The crime rate is 19.7 per 1,000 residents. Safety varies significantly by neighborhood. View detailed Crystal lake crime statistics →
What salary do you need to live comfortably in Crystal lake, IL? ▼
To live comfortably in Crystal lake, IL and afford a median-priced home of $363,325, you would typically need a household income of $90,831 to $113,539 per year. The local median household income is $103,018. Renting requires approximately $103,018/year (at $2,575/month). See full affordability analysis →
What are the job opportunities like in Crystal lake, IL? ▼
Crystal lake, IL has an unemployment rate of 5.4%, which is above the national average of 3.7%. The median household income is $103,018, suggesting strong local economic conditions. View Crystal lake employment & demographics →
Is Crystal lake, IL growing? ▼
Crystal lake, IL has a population of 40,661. As a smaller community, population trends depend on local housing development, job growth, and quality of life factors. The affordable housing market and strong job market attract new residents. See Crystal lake population demographics →
What are the best neighborhoods in Crystal lake, IL? ▼
The best neighborhoods in Crystal lake, IL depend on your priorities. For families, look for areas near top-rated schools with lower crime rates. For affordability, neighborhoods throughout the city offer good value since the median home price of $363,325 is below the national average. Explore Crystal lake on our interactive map →
What is the commute like in Crystal lake, IL? ▼
Commute times in Crystal lake, IL vary by neighborhood and workplace location. As a smaller community, residents typically drive, as public transit is limited. The affordable cost of living may allow for housing closer to employment centers. Explore commute times on our map →
How are the taxes in Crystal lake, IL? ▼
Tax rates in Crystal lake, IL include state and local components. The cost of living index of 83 suggests a lower overall tax and expense burden cost environment compared to the national average. View detailed Crystal lake tax information →
How does Crystal lake, IL compare to Chicago? ▼
Crystal lake, IL offers a more affordable alternative to nearby communities. With a cost of living index of 83, median home prices of $363,325, and a crime rate of 19.7 per 1,000 residents, you can compare these metrics side-by-side. Compare Crystal lake vs Chicago →
What is the weather like in Crystal lake, IL? ▼
Weather in Crystal lake, IL varies by season. Climate data varies by season. View detailed Crystal lake climate & environment data →
Explore Crystal lake in Detail
📅 Last Updated: February 2026
Sources: U.S. Census Bureau (ACS), FBI Uniform Crime Reports, Bureau of Labor Statistics