Cost of Living in Middlebury, IN

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A+
1%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
6%
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 Middlebury Indiana National
Cost of living9989100
Groceries9797100
Health care9697100
Housing10672100
Transportation9596100
Utilities9796100
Lifestyle & Entertainment9495100
Household Items9998100
Education & Childcare9194100
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Homes For Sale In Middlebury, IN

property for sale

54721 State Road 13

Middlebury, IN
property for sale

13184 State Road 120

Middlebury, IN
property for sale

435 S Main St

Middlebury, IN
property for sale

10039 County Road 4

Middlebury, IN

Cost Of Living Quick Facts

  • The cost of living in Middlebury is 11% higher than the Indiana average
  • The cost of living in Middlebury is 1% lower than the national average
  • Middlebury housing is 6% higher 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 Middlebury

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Compare Middlebury, IN Cost of Living

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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$144,308$12,026$3,367$4,330
      Renters$54,162$4,514$1,264$1,625

      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.
      Ligonier, IN4,6338217.6%
      Constantine, MI2,2728316.7%
      White Pigeon, MI1,5558614.4%
      Elkhart, IN53,8088613.8%
      Topeka, IN9688614.0%
      Middlebury, IN3,663991.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dixmoor, IL3,6638712.6%
      Fraser-Fort George C, BC3,664n/a 
      Piggott, AR3,6658316.6%
      Lely, FL3,66511818.3%
      Mission Hills, KS3,665228127.5%
      Middlebury, IN3,663991.4%
      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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