Cost Of Living in Hardwick, GA

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21%

Overall NAT. AVG.

3%

Goods & Services NAT. AVG.

59%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Hardwick	Georgia	National
Cost of living	79	93	100
Goods & Services	97	97	100
Groceries	97	98	100
Health care	95	100	100
Housing	41	86	100
Transportation	97	94	100
Utilities	86	86	100

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Cost Of Living Quick Facts

The cost of living in Hardwick is 14% lower than the Georgia average
The cost of living in Hardwick is 21% lower than the national average
Hardwick housing is 59% lower than the national average
Georgia general sales tax is 22% lower than the national average
Georgia state income tax is 61% lower than the national average

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$35,500	$2,958	$828	$1,065
Renters	$31,042	$2,587	$724	$931

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Hardwick, GA, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Hardwick homeowners, is $35,500. This would allow for a maximum of $828 per month to be spent on housing costs. For renters, the median monthly income is $31,042 which would result in a maximum of $724 to be spent on rental costs.

Georgia Sales Tax

State	General Sales Tax	With Max Surtax
Georgia	4%	8%

Georgia Income Tax

State	Income Tax (Low)	Income Tax (High)
Georgia	1%	5.57%

Goods & Services

Item	Hardwick	National avg.	Difference
Haircut	$13.33	$24.26	45.0%
Beauty Salon	$35.83	$45.56	21.4%
Toothpaste	$3.70	$3.70	0.2%
Shampoo	$1.10	$1.28	13.8%
Movie	$12.83	$12.13	5.8%
Bowling	$7.50	$18.00	58.3%

Groceries

Item	Hardwick	National avg.	Difference
Ground Beef	$6.74	$5.84	15.4%
Fried Chicken	$1.42	$1.57	9.5%
Milk	$4.52	$4.67	3.2%
Potatoes	$5.52	$4.93	11.9%
Pizza	$12.49	$12.09	3.4%
Beer	$9.98	$10.41	4.1%

Health Care

Item	Hardwick	National avg.	Difference
Optometrist	$133.00	$125.68	5.8%
Doctor	$83.33	$135.78	38.6%
Dentist	$131.25	$113.29	15.9%
Ibuprofen	$10.05	$10.65	5.6%
Lipitor	$510.21	$468.60	8.9%

Housing

Item	Hardwick	National avg.	Difference
Home Price	$60,000.00	$184,700.00	67.5%
Avg. Mortgage Payment	$1,438.43	$2,346.69	38.7%
Apartment Rent	$592.00	$949.00	37.6%

Transportation

Item	Hardwick	National avg.	Difference
Gasoline	$3.20	$3.46	7.6%
Tire Balancing	$65.19	$59.92	8.8%

Utilities

Item	Hardwick	National avg.	Difference
All Electricity	$150.33	$193.99	22.5%
Phone	$189.93	$192.25	1.2%

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	Population	Cost of Living Index	National Avg.
Crooked Creek, GA	655	96	3.9%
Ivey, GA	1,190	78	21.8%
Sparta, GA	1,737	80	20.3%
Gordon, GA	1,951	81	19.2%
Deepstep, GA	158	85	15.4%
Hardwick, GA	3,372	79	20.8%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Cleves, OH	3,371	95	5.5%
Tuckerton, NJ	3,373	112	12.3%
Littleton Common, MA	3,370	139	39.4%
Lake Erie Beach, NY	3,374	86	14.3%
Walton Park, NY	3,369	118	18.0%
Hardwick, GA	3,372	79	20.8%