The 22 Best Affordable Small Towns to Retire in Illinois With Mild Winters

Ranked on The Town Files lifestyle rankings among 238 towns of 2,500–10,000 people in Illinois, scoring every town on all of these at once. #1 is Sumner, IL.

1. 22Germantown Hills, Illinois

   Retirement: 81st percentile · January average low (°F): 55th percentile · Home value ÷ income: 74th percentile

   3,412 people · Woodford County · median home $264,900 · income $147,341 · Jan low 18°F · 22 in snow

2. 21Carlinville, Illinois

   Retirement: 71st percentile · January average low (°F): 68th percentile · Home value ÷ income: 74th percentile

   5,710 people · Macoupin County · median home $105,700 · income $57,708 · Jan low 19°F · 17 in snow

3. 20Rochester, Illinois

   Retirement: 90th percentile · January average low (°F): 63rd percentile · Home value ÷ income: 61st percentile

   3,863 people · Sangamon County · median home $238,900 · income $117,118 · Jan low 19°F · 19 in snow

4. 19Sherman, Illinois

   Retirement: 77th percentile · January average low (°F): 77th percentile · Home value ÷ income: 61st percentile

   4,673 people · Sangamon County · median home $297,800 · income $148,906 · Jan low 20°F · 21 in snow

5. 18Sullivan, Illinois

   Retirement: 70th percentile · January average low (°F): 63rd percentile · Home value ÷ income: 85th percentile

   4,413 people · Moultrie County · median home $102,500 · income $63,229 · Jan low 19°F · 13 in snow

6. 17Hillsboro, Illinois

   Retirement: 84th percentile · January average low (°F): 84th percentile · Home value ÷ income: 50th percentile

   5,902 people · Montgomery County · median home $111,700 · income $50,158 · Jan low 21°F · 14 in snow

7. 16Mount Zion, Illinois

   Retirement: 74th percentile · January average low (°F): 77th percentile · Home value ÷ income: 68th percentile

   6,019 people · Macon County · median home $201,100 · income $103,365 · Jan low 20°F · 14 in snow

8. 15Metamora, Illinois

   Retirement: 90th percentile · January average low (°F): 52nd percentile · Home value ÷ income: 85th percentile

   3,904 people · Woodford County · median home $201,800 · income $129,479 · Jan low 17°F · 21 in snow

9. 14Eldorado, Illinois

   Retirement: 63rd percentile · January average low (°F): 93rd percentile · Home value ÷ income: 74th percentile

   3,743 people · Saline County · median home $66,200 · income $37,154 · Jan low 24°F · 9 in snow

10. 13New Baden, Illinois

    Retirement: 85th percentile · January average low (°F): 95th percentile · Home value ÷ income: 55th percentile

    3,428 people · Clinton County · median home $172,200 · income $81,393 · Jan low 24°F · 10 in snow

11. 12Harrisburg, Illinois

    Retirement: 74th percentile · January average low (°F): 93rd percentile · Home value ÷ income: 68th percentile

    8,219 people · Saline County · median home $84,100 · income $43,415 · Jan low 24°F · 7 in snow

12. 11Lawrenceville, Illinois

    Retirement: 74th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 79th percentile

    4,164 people · Lawrence County · median home $71,300 · income $41,005 · Jan low 21°F · 16 in snow

13. 10Mount Carmel, Illinois

    Retirement: 70th percentile · January average low (°F): 98th percentile · Home value ÷ income: 68th percentile

    7,015 people · Wabash County · median home $89,300 · income $47,009 · Jan low 25°F · 9 in snow

14. 9Trenton, Illinois

    Retirement: 96th percentile · January average low (°F): 95th percentile · Home value ÷ income: 50th percentile

    2,690 people · Clinton County · median home $178,200 · income $80,795 · Jan low 24°F · 10 in snow

15. 8Pawnee, Illinois

    Retirement: 90th percentile · January average low (°F): 81st percentile · Home value ÷ income: 74th percentile

    2,678 people · Sangamon County · median home $149,500 · income $81,103 · Jan low 21°F · 14 in snow

16. 7McLeansboro, Illinois

    Retirement: 81st percentile · January average low (°F): 91st percentile · Home value ÷ income: 74th percentile

    2,675 people · Hamilton County · median home $79,500 · income $45,422 · Jan low 22°F · 13 in snow

17. 6Benton, Illinois

    Retirement: 74th percentile · January average low (°F): 89th percentile · Home value ÷ income: 85th percentile

    6,709 people · Franklin County · median home $87,200 · income $54,123 · Jan low 22°F · 10 in snow

18. 5Pinckneyville, Illinois

    Retirement: 88th percentile · January average low (°F): 93rd percentile · Home value ÷ income: 68th percentile

    5,066 people · Perry County · median home $133,500 · income $69,583 · Jan low 24°F · 9 in snow

19. 4Smithton, Illinois

    Retirement: 89th percentile · January average low (°F): 95th percentile · Home value ÷ income: 68th percentile

    4,006 people · St. Clair County · median home $256,300 · income $135,455 · Jan low 24°F · 12 in snow

20. 3Lebanon, Illinois

    Retirement: 94th percentile · January average low (°F): 95th percentile · Home value ÷ income: 68th percentile

    4,691 people · St. Clair County · median home $170,700 · income $88,750 · Jan low 24°F · 11 in snow

21. 2Flora, Illinois

    Retirement: 91st percentile · January average low (°F): 82nd percentile · Home value ÷ income: 85th percentile

    4,803 people · Clay County · median home $77,300 · income $47,148 · Jan low 21°F · 12 in snow

22. 1Sumner, Illinois

    Retirement: 76th percentile · January average low (°F): 83rd percentile · Home value ÷ income: 100th percentile

    2,631 people · Lawrence County · median home $46,000 · income $55,625 · Jan low 21°F · 16 in snow

Price vs ranking

More Illinois rankings

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• The 25 Quietest Small Towns in Illinois
• The 25 Most Affordable Small Towns in Illinois
• The 25 Best Small Towns for Families in Illinois
• The 16 Best Quiet, Affordable Small Towns to Retire in Illinois
• 25 Small Towns in Illinois With the Cheapest Homes
• 25 Small Towns in Illinois With the Mildest Winters
• The 25 Most Walkable Small Towns in Illinois
• 25 Small Towns in Illinois With the Fewest Tornadoes Since 1950
• The 25 Best Small Towns for First-Time Home Buyers in Illinois

Same ranking, other places

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• The 11 Best Affordable Small Towns to Retire in Ohio With Mild Winters