Cost Of Living in Ellettsville, IN

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8%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

21%

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	Ellettsville	Indiana	National
Cost of living	92	89	100
Groceries	96	97	100
Health care	98	97	100
Housing	79	72	100
Transportation	95	96	100
Utilities	97	96	100
Lifestyle & Entertainment	96	95	100
Household Items	99	98	100
Education & Childcare	103	94	100

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Homes For Sale In Ellettsville, IN

459 W Hickory Dr

Ellettsville, IN

4443 N Seabiscuit Cir

Bloomington, IN

110 S Pine Cone Ct

Ellettsville, IN

7655

7657, 76

Cost Of Living Quick Facts

The cost of living in Ellettsville is 3% higher than the Indiana average
The cost of living in Ellettsville is 8% lower than the national average
Ellettsville housing is 21% 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	$105,479	$8,790	$2,461	$3,165
Renters	$30,613	$2,551	$714	$918

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Ellettsville, IN, as well as what the overall cost of living might be. 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 payments and not more than 36 percent of income on all expenses and debts. In Ellettsville, homeowners have a median income of $105,479. Using that number, a maximum of $2,461 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $30,613, which means there is a maximum of $714 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	3.15%	3.15%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Stinesville, IN	334	81	18.6%
Paragon, IN	478	84	16.4%
Gosport, IN	1,092	84	15.8%
Spencer, IN	2,289	86	14.2%
Martinsville, IN	12,230	88	12.3%
Ellettsville, IN	6,865	92	8.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Gunnison, CO	6,866	114	13.9%
Scottsburg, IN	6,866	87	12.9%
Maple Glen, PA	6,863	138	38.0%
Conley, GA	6,867	88	12.1%
Medfield, MA	6,867	170	69.8%
Ellettsville, IN	6,865	92	8.2%