Cost of Living in Hartford City, IN

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21%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
57%
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 Hartford City Indiana National
Cost of living7989100
Groceries9697100
Health care9797100
Housing4372100
Transportation9496100
Utilities9396100
Lifestyle & Entertainment9295100
Household Items9898100
Education & Childcare9194100
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Homes For Sale In Hartford City, IN

property for sale

612 N Cherry St

Hartford City, IN
property for sale

3055 W 200 S

Hartford City, IN
property for sale

500 N Mohee Dr

Hartford City, IN
property for sale

2866 W State Road 26

Hartford City, IN

Cost Of Living Quick Facts

  • The cost of living in Hartford City is 11% 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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      Salary Calculator

      This is how much you would need to earn in
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      Transportation index
      Utilities index
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      Educare 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Landess, IN93955.5%
      Montpelier, IN1,8497821.5%
      Redkey, IN1,5467921.1%
      Dunkirk, IN1,9648020.5%
      Pennville, IN8878020.1%
      Hartford City, IN5,9287921.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Mount Zion, IL5,927918.8%
      Douglass Hills, KY5,9271099.3%
      Angier, NC5,927963.8%
      Belding, MI5,9268812.2%
      West Clarkston-Highland, WA5,9311010.6%
      Hartford City, IN5,9287921.0%
      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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