Cost of Living in Independence, KS

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18%
Overall NAT. AVG.
5%
Groceries NAT. AVG.
50%
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 Independence Kansas National
Cost of living8290100
Groceries9597100
Health care9496100
Housing5077100
Transportation9796100
Utilities9795100
Lifestyle & Entertainment9394100
Household Items9897100
Education & Childcare9693100
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Homes For Sale In Independence, KS

property for sale

4200 Street

Independence, KS
property for sale

612 E Hill St

Independence, KS
property for sale

3936 CR 4035

Independence, KS
property for sale

1625 Irving St

Independence, KS
See the Newest Homes For Sale In Independence, KS

Cost Of Living Quick Facts

  • The cost of living in Independence is 9% lower than the Kansas average
  • The cost of living in Independence is 18% lower than the national average
  • Independence housing is 50% lower than the national average
  • Kansas general sales tax is 27% higher than the national average
  • Kansas state income tax is 19% higher than the national average

Most Affordable Places to Live in and Around Independence

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Compare Independence, KS 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$77,222$6,435$1,802$2,317
      Renters$35,844$2,987$836$1,075
      A good way to judge both the affordability of the housing and the cost of living in Independence 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. Independence has a median income of about $77,222 for people who own homes. Based on that number, a maximum of $1,802 should be spent on expenses related to housing. Renters have a slightly different median income, which is $35,844. Based on this average, renters should spend no more than $836 on all rental costs if they want to maintain a non-impoverished standard of living.

      Kansas Sales Tax

      State General Sales Tax With Max Surtax
      Kansas 6.5% 11.5%

      Kansas Income Tax

      State Income Tax (Low) Income Tax (High)
      Kansas 3.1% 4.7%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Havana, KS70964.1%
      Dearing, KS4847722.8%
      Elk City, KS2747722.5%
      Tyro, KS1857821.5%
      Cherryvale, KS2,2477921.3%
      Independence, KS8,8178218.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Manteno, IL8,8171022.0%
      Cypress County, AB8,817n/a 
      Helena Valley Southeast, MT8,8161065.8%
      New Square, NY8,81615655.9%
      Barre, VT8,816982.0%
      Independence, KS8,8178218.0%
      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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