Bloomington, IN Cost Of Living

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Bloomington 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.
Index	Bloomington	Indiana	National
Cost of living index	97	89	100
Index	Bloomington	Indiana	National
Goods & Services index	104	97	100
Groceries index	96	92	100
Health care index	88	94	100
Housing index	92	72	100
Transportation index	101	100	100
Utilities index	95	99	100

Here we can see a simple outline of the cost of living in Bloomington, IN. As you can see, with the average cost of living in Bloomington, IN being 97, that puts it 9% higher than the average of Indiana and 3% 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 Bloomington, IN, the price of goods and services are 7% higher than the average of Indiana as well as 4% higher than the nation's average.

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Did you know?

The cost of living in Bloomington is 9% higher than the Indiana average.
The cost of living in Bloomington is 3% lower than the national average.
The cost of housing in Bloomington is 8% lower than the national average.
Indiana general sales tax is 37% higher than the national average.
Indiana state income tax is 45% higher than the national average.

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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Use the salary calculator to compare your current income in Bloomington, IN to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Bloomington, IN, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Bloomington, IN salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$72,083	$6,007	$1,682	$2,163
Renters	$20,045	$1,670	$468	$601

How much of your monthly income goes to housing can tell you whether or not you can afford housing in Bloomington, 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 Bloomington, IN homeowners have a median income of $72,083. Using that number, you will come up with a maximum of $1,682 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $20,045, which means there is a maximum of $468 to be spent on the costs of renting a home or apartment.

Indiana Sales Tax

State	General Sales Tax	With Max Surtax
Indiana	7%	7%

Indiana Income Tax

State	Income Tax (Low)	Income Tax (High)
Indiana	3.23%	3.23%

When you are determining the total cost of living in Bloomington, IN you will want to make sure you consider both the Indiana sales tax and the Indiana income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Indiana is 7%, with the highest surtax being 7%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Indiana have a range from 3.23% to 3.23%.

Goods & Services

Item	Bloomington	National avg.	Difference
Haircut	$17.11	$17.49	2.2%
Beauty Salon	$39.32	$38.17	3.0%
Toothpaste	$2.64	$2.32	13.5%
Shampoo	$0.94	$1.01	7.5%
Movie	$10.54	$10.72	1.7%
Bowling	$4.98	$13.86	64.1%

Groceries

Item	Bloomington	National avg.	Difference
Ground Beef	$3.78	$3.90	3.0%
Fried Chicken	$1.13	$1.40	19.2%
Milk	$1.83	$1.96	6.6%
Potatoes	$2.93	$3.18	7.9%
Pizza	$10.00	$10.39	3.8%
Beer	$8.40	$9.23	9.0%

Health Care

Item	Bloomington	National avg.	Difference
Optometrist	$120.23	$106.34	13.1%
Doctor	$75.18	$115.25	34.8%
Dentist	$81.51	$98.38	17.1%
Ibuprofen	$8.93	$9.26	3.6%
Lipitor	$436.30	$466.47	6.5%

Housing

Item	Bloomington	National avg.	Difference
Home Price	$172,100.00	$184,700.00	6.8%
Avg. Mortgage Payment	$1,031.19	$1,273.32	19.0%
Apartment Rent	$839.00	$949.00	11.6%

Transportation

Item	Bloomington	National avg.	Difference
Gasoline	$2.35	$2.59	9.3%
Tire Balancing	$42.74	$48.90	12.6%

Utilities

Item	Bloomington	National avg.	Difference
All Electricity	$150.52	$167.60	10.2%
Phone	$28.90	$163.42	82.3%

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.

City, State	Population	Cost of Living Index	National Avg.
Stinesville, IN	232	81	-19%
Gosport, IN	716	85	-15%
Spencer, IN	2,281	86	-14%
Morgantown, IN	976	87	-13%
Harrodsburg, IN	760	89	-11%
Bloomington, IN	83,093	97	-3%

City, State	Population	Cost of Living Index	National Avg.
Troy, MI	82,982	109	9%
Johns Creek, GA	82,930	126	26%
Santa Fe, NM	82,927	103	3%
Buena Park, CA	82,771	142	42%
Hemet, CA	82,748	103	3%
Bloomington, IN	83,093	97	-3%

Bloomington, IN Cost of Living