Cost Of Living in Rochester, IA

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14%

Overall NAT. AVG.

5%

Groceries NAT. AVG.

39%

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	Rochester	Iowa	National
Cost of living	86	89	100
Groceries	95	97	100
Health care	98	96	100
Housing	61	74	100
Transportation	98	97	100
Utilities	96	95	100
Lifestyle & Entertainment	95	95	100
Household Items	95	97	100
Education & Childcare	96	94	100

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Cost Of Living Quick Facts

The cost of living in Rochester is 4% lower than the Iowa average
The cost of living in Rochester is 14% lower than the national average
Rochester housing is 39% 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

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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	$0	$0	$0	$0
Renters	$0	$0	$0	$0

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.
Nichols, IA	387	83	17.2%
Lowden, IA	940	85	15.1%
New Liberty, IA	111	85	14.9%
Bennett, IA	434	85	14.5%
Stockton, IA	166	86	13.6%
Rochester, IA	100	86	14.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Peach Orchard, AR	100	73	27.1%
Tuttle, CA	100	119	18.6%
Black Hawk, CO	100	122	21.6%
Jacksonville, GA	100	76	24.4%
Ellisville, IL	100	75	24.7%
Rochester, IA	100	86	14.3%