Mishawaka 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.
Cost of living index8387100
Goods & Services index9494100
Groceries index9394100
Health care index10195100
Housing index6073100
Transportation index9292100
Utilities index8690100
Here we can see a simple outline of the cost of living in Mishawaka, IN. As you can see, with the average cost of living in Mishawaka, IN being 83, that puts it 5% lower than the average of Indiana and 17% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Mishawaka, IN, the price of goods and services are equal to the average of Indiana as well as 6% lower than the nation's average.

Did you know?

  • The cost of living in Mishawaka is 5% lower than the Indiana average.
  • The cost of living in Mishawaka is 17% lower than the national average.
  • The cost of housing in Mishawaka is 40% 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 Mishawaka, IN Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Using the salary calculator lets you compare the salary you earn in Mishawaka, IN 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 Mishawaka, IN, you have to earn a higher income in order to still have the same standard of living. To operate the Mishawaka, IN 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)
One can approximate the cost of living and the housing affordability in Mishawaka, IN 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 Mishawaka, IN have a median income of $49,344. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,151 per month to avoid calamity and poverty. The renters in the city have an income of about $28,681, which would make their monthly maximum allowable rental costs $669.

Indiana Sales Tax

StateGeneral Sales TaxWith Max Surtax

Indiana Income Tax

StateIncome Tax (Low)Income Tax (High)
When assessing the complete cost of living in Mishawaka, IN, the Indiana income tax and the Indiana 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 Indiana maximum surtax is 7%, and the Indiana sales tax is 7%. 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 3.3% to 3.3% in Indiana.

Goods & Services

ItemMishawakaNational avg.Difference
Haircut $13.33$15.5614.4%
Beauty Salon $32.78$36.119.2%
Toothpaste $2.11$2.4714.7%
Shampoo $0.85$0.9611.6%
Movie $7.43$10.1326.6%
Bowling $2.68$4.7443.3%


ItemMishawakaNational avg.Difference
Ground Beef $3.26$3.9818.1%
Fried Chicken $1.26$1.4110.7%
Milk $1.55$2.0624.7%
Potatoes $3.09$2.983.6%
Pizza $9.37$9.471.1%
Beer $8.35$8.795.1%

Health Care

ItemMishawakaNational avg.Difference
Optometrist $105.17$101.044.1%
Doctor $116.33$107.448.3%
Dentist $88.28$90.422.4%
Ibuprofen $8.15$9.2812.2%
Lipitor $432.73$426.501.5%


ItemMishawakaNational avg.Difference
Home Price $92,700.00$175,700.0047.2%
Avg. Mortgage Payment $1,046.54$1,133.237.6%
Apartment Rent $714.00$920.0022.4%


ItemMishawakaNational avg.Difference
Gasoline $1.92$1.993.5%
Tire Balancing $36.67$45.7619.9%


ItemMishawakaNational avg.Difference
All Electricity$134.67$163.8117.8%
Phone $26.00$28.398.4%
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.
Niles, MI11,47980-20%
Lakeville, IN85681-19%
Edwardsburg, MI1,23285-15%
Elkhart, IN51,53985-15%
South Bend, IN100,42282-18%
Mishawaka, IN48,12083-17%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Caldwell, ID48,11486-14%
Bedford, TX48,1041011%
Methuen Town, MA48,15912727%
McLean, VA48,078204104%
Middletown, OH48,25692-8%
Mishawaka, IN48,12083-17%
Source: The Mishawaka, IN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.