Cost of Living in Humboldt, IA

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14%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
33%
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 Humboldt Iowa National
Cost of living8689100
Groceries9897100
Health care9596100
Housing6774100
Transportation9697100
Utilities9295100
Lifestyle & Entertainment9295100
Household Items9897100
Education & Childcare9094100
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Homes For Sale In Humboldt, IA

property for sale

2781 Kentucky Ave

Humboldt, IA
property for sale

3021 Eagle Ridge Dr

Humboldt, IA
property for sale

2031 Deer Creek Dr

Humboldt, IA
property for sale

206 6th Ave N

Humboldt, IA
See the Newest Homes For Sale In Humboldt, IA

Cost Of Living Quick Facts

  • The cost of living in Humboldt is 3% lower than the Iowa average
  • The cost of living in Humboldt is 14% lower than the national average
  • Humboldt housing is 33% lower than the national average
  • Iowa general sales tax is 18% higher than the national average
  • Iowa state income tax is 69% higher than the national average

Most Affordable Places to Live in and Around Humboldt

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Compare Humboldt, IA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$102,172$8,514$2,384$3,065
      Renters$41,652$3,471$972$1,250
      To approximate the cost of living and the housing affordability in Humboldt, IA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Humboldt have a median income of $102,172. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,384 per month to avoid calamity and poverty. The renters in the city have an income of about $41,652, which would make their monthly maximum allowable rental costs $972.

      Iowa Sales Tax

      State General Sales Tax With Max Surtax
      Iowa 6% 7%

      Iowa Income Tax

      State Income Tax (Low) Income Tax (High)
      Iowa 4.4% 6%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Ottosen, IA16955.3%
      Pioneer, IA23955.3%
      St. Joseph, IA124955.3%
      Bradgate, IA1397227.8%
      Hardy, IA587327.3%
      Humboldt, IA4,6948613.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Haskell, AR4,692937.3%
      Vilonia, AR4,692937.3%
      Breckenridge Hills, MO4,6928614.3%
      Hawthorne, NY4,69617373.4%
      San Carlos, AZ4,6918020.0%
      Humboldt, IA4,6948613.6%
      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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