Is Harvard, IL a Good Place to Live?
Harvard is a small town of 9,705 in Illinois, with a median household income of $67,938 and a 6.2% unemployment rate. Its cost of living index is 103 (US average = 100), which is 3% above the national average.
Strengths: Harvard stands out for below-average home prices, lower-than-average crime, solid school ratings (B).
Trade-offs: Potential downsides include an elevated unemployment rate. Whether Harvard is right for you depends on your priorities — the full breakdown is below.
All Harvard city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 102.6Harvard's overall cost of living index is 102.6, where 100 represents the US national average. Living in Harvard costs roughly 3% more than the average American city.
| Metric | Harvard, IL | National Avg |
|---|---|---|
| Median Home Value | $161,400 | $244,900 |
| Median Monthly Rent | $1,112 | $1,163 |
| Homeownership Rate | 57.6% | 65.9% |
| Median Household Income | $67,938 | $74,755 |
Crime & Safety
Very SafeHarvard's violent crime rate is 139.4 per 100,000 residents — 63% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Harvard is served primarily by Harvard CUSD 50. The student-to-teacher ratio is 10.8:1 (better than the national average of ~16:1).
| Metric | Harvard, IL | National Avg |
|---|---|---|
| School District | Harvard CUSD 50 | — |
| Elementary Schools | 2 | — |
| Middle Schools | 1 | — |
| High Schools | 1 | — |
| Student/Teacher Ratio | 10.8:1 | 16:1 |
| Bachelor's Degree or Higher | 15.8% | 35.4% |
| High School Diploma or Higher | 76.1% | 91.1% |
Weather & Climate
Harvard sees average highs of 29.2°F in January and 83.5°F in July, with 37.5 inches of annual precipitation and 31.9 inches of snow per year.
| Metric | Harvard, IL |
|---|---|
| Average High — January | 29.2°F |
| Average High — July | 83.5°F |
| Annual Precipitation | 37.5" |
| Annual Snowfall | 31.9" |
Demographics
| Metric | Harvard, IL | National Avg |
|---|---|---|
| Population | 9,705 | — |
| Median Age | 29.3 | 38.9 |
| Unemployment Rate | 6.2% | 3.7% |
| Avg Commute Time | 28.4 min | 26 min |
| White (non-Hispanic) | 73.8% | 59.3% |
| Black or African American | 0.4% | 13.6% |
| Hispanic or Latino | 23.4% | 18.9% |
| Asian | 0.1% | 6.3% |
| Under 18 | 34.8% | 22.2% |
| 65 and over | 8.7% | 16.8% |
Nearby Cities
ZIP Codes in Harvard
Harvard, IL is covered by 1 ZIP code: