Bluffton 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.
IndexBlufftonIndianaNational
Cost of living index8288100
IndexBlufftonIndianaNational
Goods & Services index9695100
Groceries index9292100
Health care index9295100
Housing index5573100
Transportation index8893100
Utilities index9393100
The above illustration supplies generalized information for the Bluffton, IN cost of living index. Compared to other cities in Indiana and cities across the country, the cost of living index in Bluffton, IN is 82, which is 7% lower than the Indiana average and 18% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Bluffton, IN are 1% higher than the average for Indiana and 5% lower than the rest of the country.

Did you know?

  • The cost of living in Bluffton is 7% lower than the Indiana average.
  • The cost of living in Bluffton is 18% lower than the national average.
  • The cost of housing in Bluffton is 45% lower than the national average.
  • Indiana general sales tax is 37% higher than the national average.
  • Indiana state income tax is 48% higher than the national average.

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Compare Bluffton, IN Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Cost of living index
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Groceries index
Health care index
Housing index
Transportation index
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The salary calculator allows you to compare how much your current salary in Bluffton, IN would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Bluffton, IN, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Bluffton, IN salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$48,333$4,028$1,128$1,450
Renters$25,064$2,089$585$752
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Bluffton, IN as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Bluffton, IN homeowners, is $48,333. This would allow for a maximum of $1,128 per month to be spent on housing costs. For renters, the median monthly income is $25,064 which would result in a maximum of $585 to be spent on rental costs.

Indiana Sales Tax

StateGeneral Sales TaxWith Max Surtax
Indiana7%7%

Indiana Income Tax

StateIncome Tax (Low)Income Tax (High)
Indiana3.3%3.3%
When you are determining the total cost of living in Bluffton, IN you will want to make sure you consider both the Indiana sales tax and the Indiana 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 Indiana is 7%, with the highest surtax being 7%. 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 Indiana have a range from 3.3% to 3.3%.

Goods & Services

ItemBlufftonNational avg.Difference
Haircut $12.00$14.5917.8%
Beauty Salon $22.00$34.6836.6%
Toothpaste $1.78$2.4728.0%
Shampoo $0.84$1.0217.8%
Movie $9.25$9.876.3%
Bowling $3.33$4.3924.2%

Groceries

ItemBlufftonNational avg.Difference
Ground Beef $4.32$4.483.5%
Fried Chicken $1.29$1.4611.9%
Milk $1.49$2.3636.8%
Potatoes $3.22$3.065.2%
Pizza $9.00$9.242.6%
Beer $8.54$8.631.1%

Health Care

ItemBlufftonNational avg.Difference
Optometrist $91.33$99.788.5%
Doctor $86.33$105.0317.8%
Dentist $83.50$88.705.9%
Ibuprofen $8.08$9.4114.2%
Lipitor $301.80$298.501.1%

Housing

ItemBlufftonNational avg.Difference
Home Price $92,800.00$175,700.0047.2%
Avg. Mortgage Payment $827.91$1,081.0323.4%
Apartment Rent $547.00$920.0040.5%

Transportation

ItemBlufftonNational avg.Difference
Gasoline $1.90$2.099.0%
Tire Balancing $36.67$45.2919.0%

Utilities

ItemBlufftonNational avg.Difference
All Electricity$137.03$170.8019.8%
Phone $30.99$28.269.7%
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.
Bryant, IN28575-25%
Poneto, IN14876-24%
Montpelier, IN1,86478-22%
Vera Cruz, IN10678-22%
Geneva, IN1,38478-22%
Bluffton, IN9,62182-18%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rainbow City, AL9,62389-11%
Brentwood, PA9,62590-10%
Fairfield, IA9,61582-18%
Oregon, WI9,6291066%
Jefferson, GA9,63098-2%
Bluffton, IN9,62182-18%
Source: The Bluffton, IN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.