Garden City 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.
IndexGarden CityIdahoNational
Cost of living index9994100
IndexGarden CityIdahoNational
Goods & Services index10699100
Groceries index9693100
Health care index10196100
Housing index9688100
Transportation index112108100
Utilities index8282100
An overview of the general cost of living index for Garden City, ID is displayed above for your reference. Residents in Garden City, ID enjoy a cost of living index of 99. This index is 6% higher than the Idaho average, and 1% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Garden City, ID, the average cost of goods and services is 7% higher than it is in Idaho, and it is 6% higher than the national average.

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Did you know?

  • The cost of living in Garden City is 6% higher than the Idaho average.
  • The cost of living in Garden City is 1% lower than the national average.
  • The cost of housing in Garden City is 4% lower than the national average.
  • Idaho general sales tax is 18% higher than the national average.
  • Idaho state income tax is 28% lower than the national average.

Compare Garden City, ID Cost of living To Other Cities

Salary Calculator

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Health care index
Housing index
Transportation index
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The salary calculator allows you to compare how much your current salary in Garden City, ID would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Garden City, ID, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Garden City, ID salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown 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 Garden City, ID, 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 Garden City, ID, the median monthly income is $57,011 for those who own their own homes. Under the standard rule, that income level would allow for $1,330 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $28,964, per the median income in the area. That would allow for renters to spend up to $676 on monthly rental expenses.

Idaho Sales Tax

StateGeneral Sales TaxWith Max Surtax

Idaho Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Garden City, ID, it's important to take into account the sales tax for Idaho, as well as the rate for income tax in Idaho. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Idaho is 8.5%, and the sales tax in the state of Idaho is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Idaho starts from 1.6% and goes up to 7.4%.

Goods & Services

ItemGarden CityNational avg.Difference
Haircut $20.43$17.4916.8%
Beauty Salon $37.30$38.172.3%
Toothpaste $2.21$2.324.8%
Shampoo $0.97$1.014.1%
Movie $10.92$10.721.8%
Bowling $14.40$13.863.9%


ItemGarden CityNational avg.Difference
Ground Beef $4.11$3.905.4%
Fried Chicken $0.97$1.4030.5%
Milk $1.36$1.9630.7%
Potatoes $1.68$3.1847.2%
Pizza $9.49$10.398.7%
Beer $9.12$9.231.2%

Health Care

ItemGarden CityNational avg.Difference
Optometrist $130.43$106.3422.7%
Doctor $124.27$115.257.8%
Dentist $88.00$98.3810.6%
Ibuprofen $9.76$9.265.4%
Lipitor $486.06$466.474.2%


ItemGarden CityNational avg.Difference
Home Price $188,100.00$184,700.001.8%
Avg. Mortgage Payment $1,256.69$1,273.321.3%
Apartment Rent $767.00$949.0019.2%


ItemGarden CityNational avg.Difference
Gasoline $2.95$2.5913.9%
Tire Balancing $55.50$48.9013.5%


ItemGarden CityNational avg.Difference
All Electricity$123.07$167.6026.6%
Phone $167.40$163.422.4%
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.
Kuna, ID17,01597-3%
Boise, ID218,6771000%
Robie Creek, ID1,5701011%
Meridian, ID88,2471033%
Star, ID7,2551044%
Garden City, ID11,42399-1%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Pennsville, NJ11,4211066%
Ocean City, NJ11,43015151%
Somerset, KY11,41585-15%
Peru, IN11,41578-22%
Summit, IL11,4091011%
Garden City, ID11,42399-1%
Source: The Garden City, ID cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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