Cost Of Living in Hartford City, IN

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19%

Overall NAT. AVG.

5%

Goods & Services NAT. AVG.

58%

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	Hartford City	Indiana	National
Cost of living	81	90	100
Goods & Services	96	94	100
Groceries	96	98	100
Health care	96	96	100
Housing	42	72	100
Transportation	95	95	100
Utilities	113	107	100

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Cost Of Living Quick Facts

The cost of living in Hartford City is 9% lower than the Indiana average
The cost of living in Hartford City is 19% lower than the national average
Hartford City housing is 58% 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

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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	$45,493	$3,791	$1,061	$1,365
Renters	$16,301	$1,358	$380	$489

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 $45,493 for people who own homes. Based on that number, a maximum of $1,061 should be spent on expenses related to housing. Renters have a slightly different median income, which is $16,301. Based on this average, renters should spend no more than $380 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	$16.50	$24.26	32.0%
Beauty Salon	$30.94	$45.56	32.1%
Toothpaste	$3.69	$3.70	0.4%
Shampoo	$1.30	$1.28	1.1%
Movie	$11.69	$12.13	3.6%
Bowling	$11.24	$18.00	37.6%

Groceries

Item	Hartford City	National avg.	Difference
Ground Beef	$5.74	$5.84	1.8%
Fried Chicken	$1.39	$1.57	11.7%
Milk	$4.59	$4.67	1.8%
Potatoes	$4.88	$4.93	1.0%
Pizza	$12.18	$12.09	0.8%
Beer	$9.64	$10.41	7.4%

Health Care

Item	Hartford City	National avg.	Difference
Optometrist	$138.77	$125.68	10.4%
Doctor	$101.43	$135.78	25.3%
Dentist	$122.83	$113.29	8.4%
Ibuprofen	$10.19	$10.65	4.3%
Lipitor	$475.45	$468.60	1.5%

Housing

Item	Hartford City	National avg.	Difference
Home Price	$61,500.00	$184,700.00	66.7%
Avg. Mortgage Payment	$1,324.56	$2,346.69	43.6%
Apartment Rent	$599.00	$949.00	36.9%

Transportation

Item	Hartford City	National avg.	Difference
Gasoline	$3.51	$3.46	1.4%
Tire Balancing	$47.59	$59.92	20.6%

Utilities

Item	Hartford City	National avg.	Difference
All Electricity	$236.28	$193.99	21.8%
Phone	$189.86	$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.
Landess, IN	89	98	1.9%
Montpelier, IN	1,790	81	18.9%
Redkey, IN	1,493	81	18.6%
Dunkirk, IN	1,923	82	18.1%
Pennville, IN	866	82	17.9%
Hartford City, IN	5,781	81	18.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Lake Mohegan, NY	5,781	144	43.8%
Semmes, AL	5,780	91	9.0%
Plymouth, PA	5,780	84	15.8%
Dickson City, PA	5,778	93	6.8%
Crowsnest Pass, AB	5,778	n/a
Hartford City, IN	5,781	81	18.7%