Cost of Living in Hartford City, IN

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21%
Overall NAT. AVG.
12%
Goods & Services NAT. AVG.
57%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; 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 Hartford City Indiana National
Cost of living7990100
Goods & Services8895100
Groceries9499100
Health care12499100
Housing4372100
Transportation100101100
Utilities9795100
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Homes For Sale In Hartford City, IN

property for sale

4559 E 100 S

Hartford City, IN
property for sale

305 S Southwood Dr

Hartford City, IN
property for sale

203 Westwood Dr

Hartford City, IN
property for sale

916 N Richmond St

Hartford City, IN

Cost Of Living Quick Facts

  • The cost of living in Hartford City is 12% lower than the Indiana average
  • The cost of living in Hartford City is 21% lower than the national average
  • Hartford City housing is 57% 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

Most Affordable Places to Live in and Around Hartford City

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Compare Hartford City, IN Cost of Living

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      This is how much you would need to earn in
      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$67,468$5,622$1,574$2,024
      Renters$24,695$2,058$576$741
      A good way to judge both the affordability of the housing and the cost of living in Hartford City is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Hartford City has a median income of about $67,468 for people who own homes. Based on that number, a maximum of $1,574 should be spent on expenses related to housing. Renters have a slightly different median income, which is $24,695. Based on this average, renters should spend no more than $576 on all rental costs if they want to maintain a non-impoverished standard of living.

      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%

      Goods & Services

      Item Hartford City National avg. Difference
      Haircut $18.78$27.6232.0%
      Beauty Salon $35.10$51.1131.3%
      Toothpaste $4.30$4.095.1%
      Shampoo $1.57$1.541.8%
      Movie $11.97$12.887.1%
      Yoga $14.78$19.6624.8%

      Groceries

      Item Hartford City National avg. Difference
      Ground Beef $7.64$7.700.8%
      Fried Chicken $1.49$1.6610.4%
      Milk $4.55$4.733.9%
      Potatoes $5.57$5.266.0%
      Pizza $11.96$12.766.3%
      Beer $10.57$10.550.2%

      Health Care

      Item Hartford City National avg. Difference
      Optometrist $173.55$140.0623.9%
      Doctor $160.10$153.824.1%
      Dentist $225.21$123.1582.9%
      Ibuprofen $11.95$11.731.9%
      Lipitor $12.66$23.6146.4%

      Housing

      Item Hartford City National avg. Difference
      Home Price $112,012.00$326,622.0065.7%
      Avg. Mortgage Payment $2,245.34$2,480.259.5%
      Apartment Rent $906.00$1,444.0037.3%

      Transportation

      Item Hartford City National avg. Difference
      Gasoline $3.05$3.060.1%
      Tire Balancing $64.42$65.211.2%

      Utilities

      Item Hartford City National avg. Difference
      All Electricity $212.56$220.123.4%
      Phone $193.77$195.711.0%
      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.
      Landess, IN93945.6%
      Montpelier, IN1,8497821.6%
      Redkey, IN1,5467921.2%
      Dunkirk, IN1,9647920.5%
      Pennville, IN8878020.2%
      Hartford City, IN5,9287921.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Mount Zion, IL5,9278812.5%
      Douglass Hills, KY5,9271109.5%
      Angier, NC5,927955.2%
      Belding, MI5,9269010.3%
      West Clarkston-Highland, WA5,9311021.9%
      Hartford City, IN5,9287921.1%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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