Cost Of Living in Charter Oak, IA

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A+

20%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

56%

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	Charter Oak	Iowa	National
Cost of living	80	89	100
Groceries	96	97	100
Health care	98	96	100
Housing	44	74	100
Transportation	98	97	100
Utilities	91	95	100
Lifestyle & Entertainment	92	95	100
Household Items	96	97	100
Education & Childcare	96	94	100

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Homes For Sale In Charter Oak, IA

307 Oak Ave

Charter Oak, IA

307 Cedar Ave

Charter Oak, IA

Cost Of Living Quick Facts

The cost of living in Charter Oak is 10% lower than the Iowa average
The cost of living in Charter Oak is 20% lower than the national average
Charter Oak housing is 56% 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

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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	$67,219	$5,602	$1,568	$2,017
Renters	$55,007	$4,584	$1,283	$1,650

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.
Ricketts, IA	96	72	27.7%
Arion, IA	108	74	26.3%
Buck Grove, IA	36	76	23.8%
Soldier, IA	204	76	23.7%
Moorhead, IA	229	80	19.7%
Charter Oak, IA	592	80	19.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Tolani Lake, AZ	592	80	20.2%
Jacumba, CA	592	120	19.6%
Onyx, CA	592	102	2.0%
Bell, FL	592	91	9.2%
Edgewood, IA	592	85	15.1%
Charter Oak, IA	592	80	19.8%