Cost Of Living in Bernard, IA

Get 300+ Local Insights for Any Address in Bernard, IA

Get Access to 300+ Local Data Points

A+

14%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

36%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Bernard	Iowa	National
Cost of living	86	89	100
Groceries	98	97	100
Health care	96	96	100
Housing	64	74	100
Transportation	96	97	100
Utilities	93	95	100
Lifestyle & Entertainment	97	95	100
Household Items	97	97	100
Education & Childcare	89	94	100

Does this Area Fit Your Budget?

Know the community before you call it home
Compare multiple areas side by side
Access over 300 data points for any address

GET REPORT →

Homes For Sale In Bernard, IA

22107 Spruce ST

, IA

22508 Lake Shore Dr

Bernard, IA

See the Newest Homes For Sale In Bernard, IA

Cost Of Living Quick Facts

The cost of living in Bernard is 4% lower than the Iowa average
The cost of living in Bernard is 14% lower than the national average
Bernard housing is 36% lower than the national average
Iowa general sales tax is 18% higher than the national average
Iowa state income tax is 69% higher than the national average

Most Affordable Places to Live in and Around Bernard

See all the best places to live around Bernard

Compare Bernard, IA Cost of Living

Write a review to give others more information about this area.

See all Bernard poll results

The best places in Iowa

Here are the best places to live in Iowa

Safest Cities In The US

Most Dangerous Cities In The US

These are the 10 cheapest cities in Iowa

Salary Calculator

This is how much you would need to earn in

Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$86,481	$7,207	$2,018	$2,595
Renters	$71,443	$5,954	$1,667	$2,144

Iowa Sales Tax

State	General Sales Tax	With Max Surtax
Iowa	6%	7%

Iowa Income Tax

State	Income Tax (Low)	Income Tax (High)
Iowa	4.4%	6%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Onslow, IA	317	82	17.6%
Center Junction, IA	104	82	17.6%
Andrew, IA	465	85	15.3%
La Motte, IA	249	86	13.6%
Zwingle, IA	73	87	13.0%
Bernard, IA	144	86	13.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Reader, AR	144	73	27.4%
East Shore, CA	144	118	18.1%
Jersey, GA	144	106	6.0%
Brunsville, IA	144	83	16.6%
Weston, IA	144	97	3.0%
Bernard, IA	144	86	13.8%