Ruston 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.
IndexRustonLouisianaNational
Cost of living index9091100
IndexRustonLouisianaNational
Goods & Services index9997100
Groceries index9897100
Health care index9195100
Housing index7982100
Transportation index8994100
Utilities index8288100
A general overview of the cost of living index for Ruston, LA is displayed above. In Ruston, LA, the overall cost of living index is 90, which is 1% lower than the Louisiana average and 10% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Ruston, LA, the city's goods and services are 2% higher than the Louisiana average and 2% lower than the U.S. average.

Did you know?

  • The cost of living in Ruston is 1% lower than the Louisiana average.
  • The cost of living in Ruston is 10% lower than the national average.
  • The cost of housing in Ruston is 21% lower than the national average.
  • Louisiana general sales tax is 21% lower than the national average.
  • Louisiana state income tax is 10% lower than the national average.

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Salary Calculator

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The salary calculator is meant to help you compare your salary in Ruston, LA to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Ruston, LA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Ruston, LA salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$58,115$4,843$1,356$1,744
Renters$20,118$1,677$469$604
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 Ruston, LA, 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. Ruston, LA has a median income of about $58,115 for people who own homes. Based on that number, a person should spend a maximum of $1,356 on expenses related to housing. Renters have a slightly different median income, which is $20,118. Based on this average, renters should spend no more than $469 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Louisiana Sales Tax

StateGeneral Sales TaxWith Max Surtax
Louisiana4%11%

Louisiana Income Tax

StateIncome Tax (Low)Income Tax (High)
Louisiana2%6%
For those who live in Ruston, LA and want to know what the true cost of living is, they ought to look at both the Louisiana income tax rate and the Louisiana 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 Louisiana, the sales tax is 4%, while the most you'll pay in surtax is 11%. 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 Louisiana, the income tax rate ranges between 2% to 6%.

Goods & Services

ItemRustonNational avg.Difference
Haircut $14.33$14.591.8%
Beauty Salon $27.50$34.6820.7%
Toothpaste $2.52$2.471.9%
Shampoo $0.97$1.025.1%
Movie $7.25$9.8726.5%
Bowling $4.59$4.394.5%

Groceries

ItemRustonNational avg.Difference
Ground Beef $3.77$4.4815.8%
Fried Chicken $1.22$1.4616.7%
Milk $2.88$2.3622.2%
Potatoes $3.82$3.0624.8%
Pizza $8.99$9.242.7%
Beer $7.74$8.6310.3%

Health Care

ItemRustonNational avg.Difference
Optometrist $81.25$99.7818.6%
Doctor $83.67$105.0320.3%
Dentist $84.33$88.704.9%
Ibuprofen $9.47$9.410.6%
Lipitor $294.69$298.501.3%

Housing

ItemRustonNational avg.Difference
Home Price $144,400.00$175,700.0017.8%
Avg. Mortgage Payment $1,067.80$1,081.031.2%
Apartment Rent $657.00$920.0028.6%

Transportation

ItemRustonNational avg.Difference
Gasoline $1.98$2.095.1%
Tire Balancing $33.50$45.2926.0%

Utilities

ItemRustonNational avg.Difference
All Electricity$131.56$170.8023.0%
Phone $25.01$28.2611.5%
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.
Eros, LA15177-23%
Simsboro, LA1,21781-19%
Dubach, LA85782-18%
Grambling, LA5,01582-18%
Quitman, LA15683-17%
Ruston, LA22,14990-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
La Porte, IN22,15381-19%
Derry, NH22,12911616%
South Elgin, IL22,1261066%
Brent, FL22,17587-13%
South Holland, IL22,1231088%
Ruston, LA22,14990-10%
Source: The Ruston, LA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.