Median Income
$45,417
40% lower than US avg
Home Value
$58,800
79% lower than US avg
Violent Crime
54/100K
86% lower than US avg
Bachelor's+
7.9%
77% lower than US avg
Median Rent
$1,042
10% lower than US avg
Obesity Rate
38.6%
20% higher than US avg
Unemployment
0.4%
89% lower than US avg
Poverty Rate
26.6%
115% higher than US avg
How Cutler Compares to the U.S. Average (100% = U.S. avg)
People
Population352
Median Age34.6 yrs
Density749/mi²
Male / Female52% / 48%
Largest GroupWhite 87%
Veterans6.6%
Economy
C+
Median Income$45,417
Per Capita$21,972
Unemployment0.4%
Poverty26.6%
County GDP$873M
Commute25 min
Housing
A+
Home Value$58,800
Rent$1,042
Ownership69.6%
Zillow$97,125
Housing Units125
Rent Burden36.3%
Crime
F
Violent54/100K
Property270/100K
Health
Obesity38.6%
Uninsured8.6%
Smoking15.8%
Depression24.0%
Heart Disease5.5%
Climate
Avg Temp55°F (13°C)
AQI43 (Good)
Rain45.6 in/yr
Sunny Days293/yr
Elevation499 ft (152 m)
Education
D
Bachelor's+7.9%
High School+85.6%
Graduate+1.7%
School Score5.13
Community
2024 VoteR 75% / D 23%
Commute25 min
Broadband76.0%
EV Stations5
Libraries3
Is Cutler a Good Place to Live?
Based on current data, Cutler receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. Cutler has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Cutler is $45,417, 40% below the national average of $75,149. The job market is very strong with unemployment at just 0.4%. The poverty rate of 26.6% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 25 minutes.
Cost of Living & Housing
The median home value in Cutler is $58,800, 79% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,042 per month, below the national average / a plus for affordability. At just 1.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Cutler is a very safe community with a violent crime rate of 54 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 270 per 100,000, 86% below the national average.
Education
7.9% of residents hold a bachelor's degree, below the national average of 33.7%. 85.6% have completed high school. Area schools have an average test score of 5.1/10.
Climate & Weather
Cutler experiences four distinct seasons with an average temperature of 55°F. Winters average 31°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 45.6 inches, including 10.6 inches of snow. Air quality is rated Good with a median AQI of 43.
Cutler has a population of 352 with a density of 749 people per square mile, spread across 0.2 square miles. The median age is 34.6 years, 11% younger than the national median of 38.9. The gender split is 48.3% female and 51.7% male. The city is predominantly White (87.2%), with 1.4% Black. English is the primary language spoken at home by 96.4% of residents. 6.6% of the population are veterans. 19.5% of residents have a disability (above the 13.0% national average). 94.9% have health insurance coverage.
Population
34.6yrs
Median Age
11% below US avg
Language Spoken at Home
English Only
96.4%
23% above US avg
Spanish
3.6%
73% below US avg
The median household income in Cutler is $45,417, which is 40% below the national average of $75,149. Per capita income is $21,972 (below the $39,052 national figure). The average weekly wage is $968, 32% lower than the U.S. average. The unemployment rate is 0.4% (below the 3.6% US average). 26.6% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 328 business establishments, including 43 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 25 minutes. 2.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $45,417 |
| 40% below US avg |
| Per Capita Income | $21,972 |
| Avg Weekly Wage | $968 |
| IRS Avg AGI | $60,281 |
| Gini Index | 0.415 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.4% |
| 89% below US avg |
| Poverty Rate | 26.6% |
| 115% above US avg |
| Establishments (County) | 328 |
| County GDP | $873M |
Business (County)
| Restaurants | 43 |
| Healthcare | 48 |
| Retail | 52 |
| Manufacturing | 18 |
Tax & Cost of Living
| Property Tax (IRS) | $4,138 |
| 18% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 7.04% |
Commute & Transportation
| Commute Time | 24.6 min |
| Drive Alone | 89.1% |
| Public Transit | 0.0% |
| Work from Home | 2.9% |
The median home value in Cutler is $58,800, 79% below the national median of $281,900. Zillow estimates the typical home value at $97,125, higher than the Census estimate. Monthly rent averages $1,042 (10% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 69.6% of housing units are owner-occupied. There are 125 total housing units in the city. The median year a home was built is 1980. The average annual property tax is $4,138 (higher than the $3,500 national average). 36.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $58,800 |
| 79% below US avg |
| Zillow ZHVI | $97,125 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,042 |
| 10% below US avg |
| Rent Burden | 36.3% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 69.6% |
| Owner-Occupied | 69.6% |
| Renter-Occupied | 30.4% |
| Housing Units | 125 |
| Median Year Built | 1980 |
Property Tax
| Avg Tax (IRS) | $4,138 |
| 18% above US avg |
| Effective Rate | 7.04% |
In Cutler, 38.6% of adults are obese, above the national rate of 32.1%. 9.7% have diabetes. Heart disease affects 5.5% of residents. 31.1% have high blood pressure. 15.8% are current smokers. 21.0% report binge drinking. 22.8% are physically inactive. 24.0% report depression (above the 20.0% national average). 19.1% experience frequent mental distress. 8.6% of residents lack health insurance. The primary care physician ratio is 1:1,614. The dentist ratio is 1:2,288. 67.4% of residents have access to exercise opportunities. The food environment index is 7.1 out of 10.
Health Metrics: Cutler vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.6% |
| 20% above US avg |
| Diabetes | 9.7% |
| Heart Disease | 5.5% |
| High Blood Pressure | 31.1% |
| Asthma | 10.8% |
| COPD | 7.0% |
| Cancer | 7.4% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 15.8% |
| 13% above US avg |
| Binge Drinking | 21.0% |
| Physical Inactivity | 22.8% |
| Depression | 24.0% |
| Mental Distress | 19.1% |
| Physical Distress | 13.3% |
| Short Sleep | 38.5% |
Healthcare Access
| Insurance Rate | 94.9% |
| Uninsured | 8.6% |
| 0% below US avg |
| Primary Care | 1:1,614 |
| Dentists | 1:2,288 |
| Mental Health | 1:402 |
| Checkup Rate | 75.0% |
| Dental Visits | 58.7% |
| Premature Death | 9,279/100K |
Food & Exercise
| Food Environment | 7.1/10 |
| Exercise Access | 67.4% |
| Healthcare Facilities | 48 |
Cutler has a violent crime rate of 54 per 100,000 residents, 86% below the national average of 380. Property crime stands at 270 per 100,000, 86% below the U.S. average. Overall, Cutler receives a safety grade of F.
Crime Rates: Cutler vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 54.0/100K |
| 86% below US avg |
| |
Property Crime
| Total Property | 270.2/100K |
| 86% below US avg |
Traffic Safety
| Traffic Accidents | 1 |
| Avg Accident Severity | 4.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cutler experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 31°F in January while summers reach 77°F in July. The area gets 293 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 45.6 inches. The area receives 10.6 inches of snow annually. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 499 feet.
Temperature
31°F Jan (-1°C)
77°F Jul (25°C)
| Annual Average | 55.1°F |
| 2% above US avg |
| January Average | 31°F (-1°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 499 ft (152 m) |
| Area | 0.2 sq mi (0.5 km²) |
| Population Density | 749/sq mi |
| Coordinates | 38.0325°N, 89.5676°W |
| Timezone | America/Chicago |
| County | Perry County County |
| Nearest Airport | Farmington Regional (FAM) 48 miles away |
Precipitation & Snow
Annual Rainfall
45.6"
20% above US avg
Wettest Month (May)
4.41"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 72.1 / 100 |
| Social Vulnerability | 64.1 / 100 |
| Community Resilience | 82.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
124 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.8. Most recent: M2.6 on Sep 19, 2024.
| Sep 26, 1990 |
4 km SE of Chaffee, Missouri |
M4.8 |
98 km |
| Feb 5, 1994 |
2 km WNW of Dongola, Illinois |
M4.2 |
81 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
138 km |
| Jun 7, 2011 |
18 km NNW of Potosi, Missouri |
M3.9 |
117 km |
| Feb 21, 2012 |
4 km SSE of Bertrand, Missouri |
M3.9 |
130 km |
| Mar 2, 2010 |
2 km ENE of East Prairie, Missouri |
M3.7 |
140 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
103 km |
| Jun 20, 2005 |
4 km WSW of Blandville, Kentucky |
M3.6 |
133 km |
| Mar 15, 2017 |
9 km ESE of Wyatt, Missouri |
M3.6 |
134 km |
| Jun 15, 2004 |
3 km S of Canalou, Missouri |
M3.5 |
146 km |
| Jul 16, 2004 |
6 km SE of Wyatt, Missouri |
M3.5 |
134 km |
| May 1, 2016 |
5 km SE of New Grand Chain, Illinois |
M3.5 |
104 km |
| Sep 26, 1994 |
4 km ENE of Blandville, Kentucky |
M3.4 |
132 km |
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
97 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
116 km |
| Aug 27, 1993 |
5 km SSE of Olympian Village, Missouri |
M3.3 |
76 km |
| May 16, 2017 |
9 km ESE of Wyatt, Missouri |
M3.3 |
135 km |
| Apr 8, 1998 |
2 km NNW of Blandville, Kentucky |
M3.2 |
130 km |
| Oct 24, 1990 |
5 km ENE of Woodlawn, Illinois |
M3.2 |
63 km |
| Apr 6, 1994 |
2 km NE of Tamaroa, Illinois |
M3.2 |
34 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
598 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 73 fatalities, 1,075 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Dec 18, 1957 |
EF5 |
28 km |
1 |
| Feb 28, 2017 |
EF4 |
52 km |
1 |
| Nov 17, 2013 |
EF4 |
44 km |
2 |
| Feb 29, 2012 |
EF4 |
89 km |
8 |
| Sep 22, 2006 |
EF4 |
46 km |
0 |
| May 6, 2003 |
EF4 |
97 km |
2 |
| Jun 2, 1990 |
EF4 |
99 km |
1 |
| May 29, 1982 |
EF4 |
46 km |
10 |
| Apr 3, 1981 |
EF4 |
91 km |
0 |
| Jun 22, 1969 |
EF4 |
93 km |
4 |
| Dec 18, 1957 |
EF4 |
38 km |
11 |
| Dec 18, 1957 |
EF4 |
51 km |
1 |
| May 26, 2024 |
EF3 |
70 km |
0 |
| Dec 10, 2021 |
EF3 |
91 km |
6 |
| Oct 24, 2021 |
EF3 |
91 km |
0 |
| Oct 24, 2021 |
EF3 |
82 km |
0 |
| May 31, 2013 |
EF3 |
99 km |
0 |
| Dec 31, 2010 |
EF3 |
94 km |
1 |
| Mar 11, 2006 |
EF3 |
45 km |
2 |
| Mar 11, 2006 |
EF3 |
67 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: RED SHALE UNIT RX (2,123 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
RED SHALE UNIT RX |
2,123 |
58 km |
| 2014 |
UNNAMED |
1,627 |
73 km |
| 2019 |
ATWOOD RIDGE RX |
1,622 |
73 km |
| 2020 |
UNNAMED |
1,334 |
93 km |
| 2024 |
RED SHALE RX |
1,259 |
59 km |
| 2017 |
UNNAMED |
1,257 |
81 km |
| 2021 |
OZARK HILL PRAIRIE RX |
1,235 |
81 km |
| 2019 |
KINKAID RX |
1,215 |
27 km |
| 2022 |
KINKAID STATE FISH AND WILDLIFE AREA RX |
1,115 |
27 km |
| 2021 |
STATE OF ILLINOIS TRACT RX |
1,011 |
19 km |
| 2022 |
BEAN RIDGE RX |
955 |
88 km |
| 2021 |
MILL CREEK RX |
898 |
55 km |
| 2024 |
HAMPTON NORTH RX |
807 |
57 km |
| 2005 |
UNNAMED |
741 |
87 km |
| 2018 |
UNNAMED |
729 |
26 km |
| 1995 |
UNNAMED |
724 |
87 km |
| 2024 |
HERRIN FLATS RX |
713 |
60 km |
| 2024 |
WOLF CREEK (OLIVE BR) RX |
691 |
94 km |
| 2020 |
UNNAMED |
687 |
26 km |
| 2013 |
UNNAMED |
651 |
97 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
31°F (-1°C) |
2.3 in |
Coldest, Driest |
| February |
35°F (2°C) |
2.6 in |
|
| March |
45°F (7°C) |
4.1 in |
|
| April |
56°F (13°C) |
4.0 in |
|
| May |
65°F (18°C) |
4.4 in |
Wettest |
| June |
74°F (23°C) |
3.9 in |
|
| July |
77°F (25°C) |
3.9 in |
Warmest |
| August |
76°F (25°C) |
3.3 in |
|
| September |
69°F (21°C) |
3.2 in |
|
| October |
58°F (14°C) |
3.1 in |
|
| November |
46°F (8°C) |
3.9 in |
|
| December |
35°F (2°C) |
3.4 in |
|
Cutler has a seasonal temperature swing of 46°F / from 31°F in January to 77°F in July. Total annual precipitation is 42.1 inches, with May being the wettest month (4.4") and January the driest (2.3").
Average costs for common services in Cutler. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $768 |
| Toddler | $888 |
| Preschool | $743 |
| Family Childcare (monthly) |
| Infant | $814 |
| Toddler | $742 |
| Preschool | $665 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cutler
What is the population of Cutler?
Cutler has a population of 352 residents and is located in Illinois. The population density is 749 people per square mile, spread across 0.2 square miles. The median age of residents is 34.6 years, which is younger than the national median of 38.9 years. The population is 48.3% female and 51.7% male.
Is Cutler expensive to live in?
Cutler has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $45,417, 40% below the national average of $75,149. The median home value is $58,800 (79% below the U.S. median). Renters pay a median of $1,042 per month. The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
Is Cutler safe?
Cutler is considered a very safe city with a violent crime rate of 54 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 270 per 100,000 (below the national average). Overall, Cutler receives a safety grade of F based on combined crime data.
What is the weather like in Cutler?
Cutler has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 31°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 45.6 inches, with 10.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Cutler?
The job market in Cutler is very strong, with unemployment at just 0.4% / well below the national rate of 3.6%. The average weekly wage is $968. There are 328 business establishments in the area, including 43 restaurants and food service locations. The average commute time is 25 minutes, and 2.9% of workers work from home.
How much does housing cost in Cutler?
The median home value in Cutler is $58,800. Zillow estimates the typical home value at $97,125. For renters, the median monthly rent is $1,042. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 69.6%. The average annual property tax is $4,138.
How are the schools in Cutler?
Schools in Cutler score 5.1 out of 10 on standardized testing, near the national average. 7.9% of adults in Cutler hold a bachelor's degree or higher, below the national average of 33.7%. 85.6% have completed high school. 1.7% hold a graduate or professional degree.
How healthy is Cutler?
The obesity rate in Cutler is 38.6% (above the national rate of 32.1%). 15.8% of adults are smokers. 22.8% are physically inactive. 24.0% of residents report depression. 8.6% lack health insurance. 67.4% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,614.
What is transportation like in Cutler?
The average commute in Cutler is 25 minutes, shorter than the national average of 28 minutes. 89.1% of workers drive alone to work, and 2.9% work from home.
What are the demographics of Cutler?
The racial and ethnic makeup of Cutler is 87.2% White, 1.4% Black or African American. 96.4% of residents speak only English at home, while 3.6% speak Spanish. 6.6% of the population are military veterans. 19.5% of residents have a disability. 94.9% have health insurance coverage.