Cost of Living in Pendleton, IN

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6%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
10%
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 Pendleton Indiana National
Cost of living9489100
Groceries9897100
Health care9497100
Housing9072100
Transportation9496100
Utilities9396100
Lifestyle & Entertainment9695100
Household Items10098100
Education & Childcare9294100
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Homes For Sale In Pendleton, IN

property for sale

8124 Augusta Creek Dr

Pendleton, IN
property for sale

8142 Ridge Line Dr

Pendleton, IN
property for sale

1549 Pebble Beach Dr

Pendleton, IN
property for sale

8084 Augusta Creek Dr

Pendleton, IN

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 6% lower than the national average
  • Pendleton housing is 10% 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 Pendleton

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      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$110,481$9,207$2,578$3,315
      Renters$67,507$5,626$1,575$2,025
      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 $110,481. Using that number, a maximum of $2,578 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $67,507, which means there is a maximum of $1,575 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cadiz, IN2518019.8%
      Middletown, IN2,5348218.1%
      Shirley, IN1,0918317.3%
      Daleville, IN1,6078416.5%
      Anderson, IN56,0578416.4%
      Pendleton, IN4,559946.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Rogersville, TN4,5599010.0%
      Rosedale, WA4,55914545.5%
      Lebanon, IL4,558936.9%
      Dundee, MI4,560964.2%
      Armonk, NY4,557204103.8%
      Pendleton, IN4,559946.0%
      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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