Gardner 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.
IndexGardnerKansasNational
Cost of living index9690100
IndexGardnerKansasNational
Goods & Services index10196100
Groceries index10093100
Health care index9797100
Housing index9476100
Transportation index9593100
Utilities index8498100
Displayed above is a general overview of the Gardner, KS cost of living index. The overall cost of living index in Gardner, KS is 96, which is 8% higher than the Kansas average and 4% 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 Gardner, KS are 5% higher than the Kansas average and 1% higher than the national average.

Did you know?

  • The cost of living in Gardner is 8% higher than the Kansas average.
  • The cost of living in Gardner is 4% lower than the national average.
  • The cost of housing in Gardner is 6% lower than the national average.
  • Kansas general sales tax is 21% higher than the national average.
  • Kansas state income tax is 21% higher than the national average.

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Compare Gardner, KS Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Health care index
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Using the salary calculator lets you compare the salary you earn in Gardner, KS 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 Gardner, KS, you have to earn a higher income in order to still have the same standard of living. To operate the Gardner, KS 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$75,862$6,322$1,770$2,276
Renters$50,481$4,207$1,178$1,515
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Gardner, KS 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 Gardner, KS homeowners, is $75,862. This would allow for a maximum of $1,770 per month to be spent on housing costs. For renters, the median monthly income is $50,481 which would result in a maximum of $1,178 to be spent on rental costs.

Kansas Sales Tax

StateGeneral Sales TaxWith Max Surtax
Kansas6.15%9.65%

Kansas Income Tax

StateIncome Tax (Low)Income Tax (High)
Kansas2.7%4.6%
For those who live in Gardner, KS and want to know what the true cost of living is, they ought to look at both the Kansas income tax rate and the Kansas sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Kansas, the sales tax is 6.15%, while the most you'll pay in surtax is 9.65%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Kansas, the income tax rate ranges between 2.7% to 4.6%.

Goods & Services

ItemGardnerNational avg.Difference
Haircut $15.53$15.560.2%
Beauty Salon $30.80$36.1114.7%
Toothpaste $2.57$2.473.9%
Shampoo $0.92$0.964.7%
Movie $9.59$10.135.3%
Bowling $4.71$4.740.5%

Groceries

ItemGardnerNational avg.Difference
Ground Beef $4.44$3.9811.5%
Fried Chicken $1.99$1.4141.4%
Milk $2.09$2.061.1%
Potatoes $2.60$2.9812.9%
Pizza $9.23$9.472.6%
Beer $8.16$8.797.2%

Health Care

ItemGardnerNational avg.Difference
Optometrist $100.35$101.040.7%
Doctor $91.94$107.4414.4%
Dentist $91.87$90.421.6%
Ibuprofen $8.64$9.286.9%
Lipitor $436.91$426.502.4%

Housing

ItemGardnerNational avg.Difference
Home Price $159,500.00$175,700.009.2%
Avg. Mortgage Payment $899.88$1,133.2320.6%
Apartment Rent $946.00$920.002.8%

Transportation

ItemGardnerNational avg.Difference
Gasoline $1.85$1.997.2%
Tire Balancing $45.97$45.760.5%

Utilities

ItemGardnerNational avg.Difference
All Electricity$148.92$163.819.1%
Phone $21.29$28.3925.0%
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.
Linwood, KS38184-16%
Bucyrus, KS22184-16%
Wellsville, KS1,78689-11%
Edgerton, KS1,57392-8%
Eudora, KS6,15294-6%
Gardner, KS20,12896-4%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Rocky River, OH20,1451044%
Ferndale, MI20,10293-7%
Blythe, CA20,10193-7%
Marblehead, MA20,16316767%
American Canyon, CA20,08913636%
Gardner, KS20,12896-4%
Source: The Gardner, KS cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.