An overview of the general cost of living index for Harlan, IA is displayed above for your reference. Residents in Harlan, IA enjoy a cost of living index of 83. This index is 9% lower than the Iowa average, and 17% 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 Harlan, IA, the average cost of goods and services is 6% lower than it is in Iowa, and it is 10% lower than the national average.