Cost Of Living in Coldwater, KS

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20%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

58%

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	Coldwater	Kansas	National
Cost of living	80	90	100
Groceries	97	97	100
Health care	96	96	100
Housing	42	77	100
Transportation	97	96	100
Utilities	97	95	100
Lifestyle & Entertainment	95	94	100
Household Items	99	97	100
Education & Childcare	91	93	100

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Homes For Sale In Coldwater, KS

1999 Prairie Pkwy

Coldwater, KS

108 N Frisco St

Coldwater, KS

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Cost Of Living Quick Facts

The cost of living in Coldwater is 11% lower than the Kansas average
The cost of living in Coldwater is 20% lower than the national average
Coldwater housing is 58% lower than the national average
Kansas general sales tax is 27% higher than the national average
Kansas state income tax is 19% 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	$68,396	$5,700	$1,596	$2,052
Renters	$39,313	$3,276	$917	$1,180

Kansas Sales Tax

State	General Sales Tax	With Max Surtax
Kansas	6.5%	11.5%

Kansas Income Tax

State	Income Tax (Low)	Income Tax (High)
Kansas	3.1%	4.7%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Wilmore, KS	33	76	23.6%
Protection, KS	370	77	23.2%
Coldwater, KS	852	80	20.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Edgewater, AL	852	82	18.5%
Patagonia, AZ	852	108	7.7%
Rhine, GA	852	83	17.0%
Sheffield, IL	852	83	17.1%
Lamberton, MN	852	84	16.5%
Coldwater, KS	852	80	20.0%