Estherville 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.
IndexEsthervilleIowaNational
Cost of living index8588100
IndexEsthervilleIowaNational
Goods & Services index10493100
Groceries index10595100
Health care index11196100
Housing index5173100
Transportation index9897100
Utilities index7699100
Displayed above is a general overview of the Estherville, IA cost of living index. The overall cost of living index in Estherville, IA is 85, which is 4% lower than the Iowa average and 15% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Estherville, IA are 12% higher than the Iowa average and 4% higher than the national average.

Did you know?

  • The cost of living in Estherville is 4% lower than the Iowa average.
  • The cost of living in Estherville is 15% lower than the national average.
  • The cost of housing in Estherville is 49% lower than the national average.
  • Iowa general sales tax is 18% higher than the national average.
  • Iowa state income tax is 84% lower than the national average.

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Salary Calculator

This is how much you would need to earn in
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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Estherville, IA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Estherville, IA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Estherville, IA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$53,008$4,417$1,237$1,590
Renters$24,911$2,076$581$747
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Estherville, IA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Estherville, IA has a median income of about $53,008 for people who own homes. Based on that number, a person should spend a maximum of $1,237 on expenses related to housing. Renters have a slightly different median income, which is $24,911. Based on this average, renters should spend no more than $581 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Iowa Sales Tax

StateGeneral Sales TaxWith Max Surtax
Iowa6%7%

Iowa Income Tax

StateIncome Tax (Low)Income Tax (High)
Iowa0.36%8.98%
When assessing the complete cost of living in Estherville, IA, the Iowa income tax and the Iowa sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Iowa maximum surtax is 7%, and the Iowa sales tax is 6%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 0.36% to 8.98% in Iowa.

Goods & Services

ItemEsthervilleNational avg.Difference
Haircut $18.25$14.5925.1%
Beauty Salon $25.50$34.6826.5%
Toothpaste $1.79$2.4727.6%
Shampoo $0.92$1.0210.0%
Movie $9.25$9.876.3%
Bowling $3.50$4.3920.3%

Groceries

ItemEsthervilleNational avg.Difference
Ground Beef $4.88$4.489.0%
Fried Chicken $2.09$1.4642.8%
Milk $2.29$2.362.8%
Potatoes $2.79$3.068.9%
Pizza $12.00$9.2429.8%
Beer $7.76$8.6310.1%

Health Care

ItemEsthervilleNational avg.Difference
Optometrist $76.81$99.7823.0%
Doctor $160.37$105.0352.7%
Dentist $92.75$88.704.6%
Ibuprofen $8.15$9.4113.4%
Lipitor $266.68$298.5010.7%

Housing

ItemEsthervilleNational avg.Difference
Home Price $79,800.00$175,700.0054.6%
Avg. Mortgage Payment $929.86$1,081.0314.0%
Apartment Rent $581.00$920.0036.8%

Transportation

ItemEsthervilleNational avg.Difference
Gasoline $1.98$2.095.4%
Tire Balancing $48.00$45.296.0%

Utilities

ItemEsthervilleNational avg.Difference
All Electricity$148.78$170.8012.9%
Phone $17.01$28.2639.8%
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.
Dunnell, MN18876-24%
Ceylon, MN33080-20%
Dolliver, IA7880-20%
Terril, IA37982-18%
Gruver, IA7682-18%
Estherville, IA6,17785-15%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Walker, LA6,17691-9%
Steele Creek, AK6,18014444%
Sylvester, GA6,18083-17%
Unionville, NC6,1801011%
Chillicothe, IL6,18189-11%
Estherville, IA6,17785-15%
Source: The Estherville, IA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.