Cost Of Living in Pendleton, IN

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5%

Overall NAT. AVG.

5%

Goods & Services NAT. AVG.

11%

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	Pendleton	Indiana	National
Cost of living	95	90	100
Goods & Services	96	94	100
Groceries	96	98	100
Health care	96	96	100
Housing	89	72	100
Transportation	95	95	100
Utilities	113	107	100

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Cost Of Living Quick Facts

The cost of living in Pendleton is 6% higher than the Indiana average
The cost of living in Pendleton is 5% lower than the national average
Pendleton housing is 11% 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	$73,942	$6,162	$1,725	$2,218
Renters	$45,259	$3,772	$1,056	$1,358

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Pendleton, IN, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Pendleton, homeowners have a median income of $73,942. Using that number, a maximum of $1,725 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $45,259, which means there is a maximum of $1,056 to be spent on the costs of renting a home or apartment.

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	Pendleton	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	Pendleton	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	Pendleton	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	Pendleton	National avg.	Difference
Home Price	$161,800.00	$184,700.00	12.4%
Avg. Mortgage Payment	$1,324.56	$2,346.69	43.6%
Apartment Rent	$875.00	$949.00	7.8%

Transportation

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

Utilities

Item	Pendleton	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.
Cadiz, IN	242	82	18.2%
Middletown, IN	2,472	83	16.7%
Shirley, IN	1,055	84	15.6%
Anderson, IN	54,476	85	15.0%
Daleville, IN	1,565	85	14.8%
Pendleton, IN	4,429	95	4.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
McSwain, CA	4,429	144	44.2%
Church Point, LA	4,429	83	17.3%
North Okanagan C, BC	4,428	n/a
Springville, AL	4,430	106	5.5%
Dilworth, MN	4,430	100	0.4%
Pendleton, IN	4,429	95	4.7%