Pendleton 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 index9188100
Goods & Services index9795100
Groceries index9592100
Health care index9895100
Housing index8173100
Transportation index9193100
Utilities index9493100
Displayed above is a general overview of the Pendleton, IN cost of living index. The overall cost of living index in Pendleton, IN is 91, which is 4% higher than the Indiana average and 9% 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 Pendleton, IN are 2% higher than the Indiana average and 3% lower than the national average.

Did you know?

  • The cost of living in Pendleton is 4% higher than the Indiana average.
  • The cost of living in Pendleton is 9% lower than the national average.
  • The cost of housing in Pendleton is 19% 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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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
The salary calculator allows you to compare how much your current salary in Pendleton, 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 Pendleton, IN, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Pendleton, 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)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Pendleton, IN, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Pendleton, IN homeowners have a median income of $74,336. Using that number, you will come up with a maximum of $1,734 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $33,554, which means there is a maximum of $783 to be spent on the costs of renting a home or apartment.

Indiana Sales Tax

StateGeneral Sales TaxWith Max Surtax

Indiana Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Pendleton, IN, it's important to take into account the sales tax for Indiana, as well as the rate for income tax in Indiana. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Indiana is 7%, and the sales tax in the state of Indiana is 7%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Indiana starts from 3.3% and goes up to 3.3%.

Goods & Services

ItemPendletonNational avg.Difference
Haircut $12.00$14.5917.8%
Beauty Salon $26.00$34.6825.0%
Toothpaste $1.91$2.4722.8%
Shampoo $0.91$1.0211.0%
Movie $8.50$9.8713.9%
Bowling $3.50$4.3920.3%


ItemPendletonNational avg.Difference
Ground Beef $4.64$4.483.6%
Fried Chicken $1.14$1.4622.1%
Milk $2.20$2.366.6%
Potatoes $2.76$3.069.8%
Pizza $13.99$9.2451.4%
Beer $7.86$8.639.0%

Health Care

ItemPendletonNational avg.Difference
Optometrist $105.00$99.785.2%
Doctor $93.55$105.0310.9%
Dentist $88.00$88.700.8%
Ibuprofen $8.38$9.4111.0%
Lipitor $317.03$298.506.2%


ItemPendletonNational avg.Difference
Home Price $135,700.00$175,700.0022.8%
Avg. Mortgage Payment $823.57$1,081.0323.8%
Apartment Rent $821.00$920.0010.8%


ItemPendletonNational avg.Difference
Gasoline $1.98$2.095.4%
Tire Balancing $36.64$45.2919.1%


ItemPendletonNational avg.Difference
All Electricity$160.91$170.805.8%
Phone $26.65$28.265.7%
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.
Chesterfield, IN2,52881-19%
Cadiz, IN16274-26%
Kennard, IN51682-18%
Knightstown, IN2,05582-18%
Middletown, IN2,34782-18%
Pendleton, IN4,27991-9%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hurstbourne, KY4,28012121%
Alfred, NY4,27899-1%
North Kansas City, MO4,28092-8%
Clay Center, KS4,28081-19%
Daytona Beach Shores, FL4,27811414%
Pendleton, IN4,27991-9%
Source: The Pendleton, IN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.