Cost of Living in Gray, IA

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24%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
74%
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 Gray Iowa National
Cost of living7689100
Groceries9997100
Health care9496100
Housing2674100
Transportation9897100
Utilities9895100
Lifestyle & Entertainment9695100
Household Items9797100
Education & Childcare9694100
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Cost Of Living Quick Facts

  • The cost of living in Gray is 15% lower than the Iowa average
  • The cost of living in Gray is 24% lower than the national average
  • Gray housing is 74% lower than the national average
  • Iowa general sales tax is 18% higher than the national average
  • Iowa state income tax is 69% higher than the national average

Most Affordable Places to Live in and Around Gray

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Compare Gray, IA Cost of Living

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      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$75,956$6,330$1,772$2,279
      Renters$0$0$0$0

      Iowa Sales Tax

      State General Sales Tax With Max Surtax
      Iowa 6% 7%

      Iowa Income Tax

      State Income Tax (Low) Income Tax (High)
      Iowa 4.4% 6%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Aspinwall, IA22973.0%
      Jacksonville, IA10973.0%
      Kimballton, IA2828020.0%
      Irwin, IA3368119.2%
      Manilla, IA8498218.5%
      Gray, IA367624.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Chignik Lagoon, AK3611414.1%
      Amado, AZ361022.2%
      Taylorsville, CA3611818.1%
      Indian Creek, FL36397296.9%
      Buck Grove, IA367623.8%
      Gray, IA367624.4%
      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.
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