Battle Creek cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexBattle CreekMichiganNational
Cost of living index8089100
IndexBattle CreekMichiganNational
Goods & Services index8995100
Groceries index8392100
Health care index9596100
Housing index5573100
Transportation index9797100
Utilities index101100100
A general overview of the cost of living index for Battle Creek, MI is displayed above. In Battle Creek, MI, the overall cost of living index is 80, which is 10% lower than the Michigan average and 20% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Battle Creek, MI, the city's goods and services are 6% lower than the Michigan average and 11% lower than the U.S. average.

Did you know?

  • The cost of living in Battle Creek is 10% lower than the Michigan average.
  • The cost of living in Battle Creek is 20% lower than the national average.
  • The cost of housing in Battle Creek is 45% lower than the national average.
  • Michigan general sales tax is 18% higher than the national average.
  • Michigan state income tax is 91% higher than the national average.

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Compare Battle Creek, MI Cost of living To Other Cities

Salary Calculator

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Using the salary calculator lets you compare the salary you earn in Battle Creek, MI to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Battle Creek, MI, you have to earn a higher income in order to still have the same standard of living. To operate the Battle Creek, MI salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$49,396$4,116$1,152$1,482
Renters$24,628$2,052$575$739
One can approximate the cost of living and the housing affordability in Battle Creek, MI by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Battle Creek, MI have a median income of $49,396. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,152 per month to avoid calamity and poverty. The renters in the city have an income of about $24,628, which would make their monthly maximum allowable rental costs $575.

Michigan Sales Tax

StateGeneral Sales TaxWith Max Surtax
Michigan6%6%

Michigan Income Tax

StateIncome Tax (Low)Income Tax (High)
Michigan4.25%4.25%
When you are determining the total cost of living in Battle Creek, MI you will want to make sure you consider both the Michigan sales tax and the Michigan income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Michigan is 6%, with the highest surtax being 6%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Michigan have a range from 4.25% to 4.25%.

Goods & Services

ItemBattle CreekNational avg.Difference
Haircut $14.95$14.592.4%
Beauty Salon $18.31$34.6847.2%
Toothpaste $1.67$2.4732.5%
Shampoo $0.85$1.0216.8%
Movie $7.85$9.8720.5%
Bowling $3.20$4.3927.1%

Groceries

ItemBattle CreekNational avg.Difference
Ground Beef $3.65$4.4818.5%
Fried Chicken $1.14$1.4622.1%
Milk $2.61$2.3610.7%
Potatoes $2.40$3.0621.6%
Pizza $9.00$9.242.6%
Beer $8.10$8.636.2%

Health Care

ItemBattle CreekNational avg.Difference
Optometrist $57.14$99.7842.7%
Doctor $88.50$105.0315.7%
Dentist $95.43$88.707.6%
Ibuprofen $8.10$9.4113.9%
Lipitor $301.16$298.500.9%

Housing

ItemBattle CreekNational avg.Difference
Home Price $81,300.00$175,700.0053.7%
Avg. Mortgage Payment $687.82$1,081.0336.4%
Apartment Rent $703.00$920.0023.6%

Transportation

ItemBattle CreekNational avg.Difference
Gasoline $1.93$2.097.9%
Tire Balancing $49.66$45.299.7%

Utilities

ItemBattle CreekNational avg.Difference
All Electricity$173.63$170.801.7%
Phone $28.01$28.260.9%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Brownlee Park, MI2,01675-25%
Burlington, MI27376-24%
Springfield, MI5,23177-23%
Galesburg, MI1,87678-22%
Bellevue, MI1,30479-21%
Battle Creek, MI51,96380-20%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hoboken, NJ51,97918282%
Lakewood, NJ51,94413737%
Lehi, UT51,98211010%
Oak Park, IL51,98812727%
Peabody, MA51,86814040%
Battle Creek, MI51,96380-20%
Source: The Battle Creek, MI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.