Dowagiac 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.
Cost of living index7888100
Goods & Services index9193100
Groceries index9791100
Health care index9894100
Housing index4474100
Transportation index96103100
Utilities index9091100
The above illustration supplies generalized information for the Dowagiac, MI cost of living index. Compared to other cities in Michigan and cities across the country, the cost of living index in Dowagiac, MI is 78, which is 11% lower than the Michigan average and 22% lower than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Dowagiac, MI are 2% lower than the average for Michigan and 9% lower than the rest of the country.

Did you know?

  • The cost of living in Dowagiac is 11% lower than the Michigan average.
  • The cost of living in Dowagiac is 22% lower than the national average.
  • The cost of housing in Dowagiac is 56% lower than the national average.
  • Michigan general sales tax is 18% higher than the national average.
  • Michigan state income tax is 91% higher than the national average.

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Compare Dowagiac, MI Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Goods & Services index
Groceries index
Health care index
Housing index
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Use the salary calculator to compare your current income in Dowagiac, MI 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 Dowagiac, MI, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Dowagiac, MI 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 IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in Dowagiac, MI, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Dowagiac, MI, the median monthly income is $40,192 for those who own their own homes. Under the standard rule, that income level would allow for $938 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $16,125, per the median income in the area. That would allow for renters to spend up to $376 on monthly rental expenses.

Michigan Sales Tax

StateGeneral Sales TaxWith Max Surtax

Michigan Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Dowagiac, MI is the Michigan sales tax and Michigan income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Michigan sales tax rate is 6% and the maximum surtax that can be charged is 6%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Michigan income tax rates range from 4.25% to 4.25%.

Goods & Services

ItemDowagiacNational avg.Difference
Haircut $13.79$16.0914.3%
Beauty Salon $26.96$37.3327.8%
Toothpaste $2.38$2.452.6%
Shampoo $0.79$1.0020.7%
Movie $7.17$10.2830.3%
Bowling $3.42$4.9330.7%


ItemDowagiacNational avg.Difference
Ground Beef $3.39$3.8010.9%
Fried Chicken $1.29$1.407.9%
Milk $1.76$2.0112.5%
Potatoes $2.88$3.014.5%
Pizza $7.99$9.8919.2%
Beer $8.28$8.907.0%

Health Care

ItemDowagiacNational avg.Difference
Optometrist $81.78$102.1620.0%
Doctor $104.89$108.363.2%
Dentist $91.75$92.530.8%
Ibuprofen $9.07$9.282.3%
Lipitor $428.54$425.820.6%


ItemDowagiacNational avg.Difference
Home Price $67,600.00$184,700.0063.4%
Avg. Mortgage Payment $951.81$1,202.4420.8%
Apartment Rent $581.00$949.0038.8%


ItemDowagiacNational avg.Difference
Gasoline $2.28$2.241.7%
Tire Balancing $39.06$46.2915.6%


ItemDowagiacNational avg.Difference
All Electricity$144.87$165.9612.7%
Phone $27.00$28.685.9%
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.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Vandalia, MI42982-18%
Cassopolis, MI1,72683-17%
Niles, MI11,37981-19%
Decatur, MI2,03376-24%
Edwardsburg, MI1,26987-13%
Dowagiac, MI5,86378-22%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Spring Hill, KS5,86393-7%
Yoakum, TX5,86579-21%
Plymouth, PA5,86585-15%
Wesley Hills, NY5,86016262%
Fishhook, AK5,86612626%
Dowagiac, MI5,86378-22%
Source: The Dowagiac, MI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.