Cost Of Living in Cumberland, IN

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5%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

11%

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	Cumberland	Indiana	National
Cost of living	95	89	100
Groceries	100	97	100
Health care	96	97	100
Housing	89	72	100
Transportation	100	96	100
Utilities	93	96	100
Lifestyle & Entertainment	98	95	100
Household Items	99	98	100
Education & Childcare	99	94	100

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Homes For Sale In Cumberland, IN

7111 Lillian Pl

Indianapolis, IN

12023 E 21st St

Indianapolis, IN

232 Aster Way

Greenfield, IN

6973 Heritage Pass W

Greenfield, IN

Cost Of Living Quick Facts

The cost of living in Cumberland is 7% higher than the Indiana average
The cost of living in Cumberland is 5% lower than the national average
Cumberland housing is 11% lower than the national average
Indiana general sales tax is 37% higher than the national average
Indiana state income tax is 21% 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	$115,111	$9,593	$2,686	$3,454
Renters	$55,707	$4,642	$1,300	$1,671

The affordability of the housing market in Cumberland, IN as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Cumberland homeowners, the median income is $115,111. This indicates that a monthly maximum of $2,686 should be spent by homeowners on all housing related costs. Renters have a median income of $55,707. This indicates that renters would have a maximum of $1,300 for their rent related monthly costs.

Indiana Sales Tax

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

Indiana Income Tax

State	Income Tax (Low)	Income Tax (High)
Indiana	3.15%	3.15%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Morristown, IN	1,182	88	12.2%
Beech Grove, IN	15,679	88	11.7%
Spring Lake, IN	259	89	10.8%
Ingalls, IN	2,544	89	11.0%
Fairland, IN	685	90	9.8%
Cumberland, IN	6,008	95	4.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Roseland, CA	6,008	131	30.7%
Spencer, MA	6,007	117	16.9%
Eagleton Village, TN	6,009	92	8.5%
Little Silver, NJ	6,005	193	92.7%
Clearfield, PA	6,005	85	14.8%
Cumberland, IN	6,008	95	4.7%