Cost of Living in Rochester, IN

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15%
Overall NAT. AVG.
3%
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 Indiana National
Cost of living8589100
Groceries9797100
Health care9697100
Housing6172100
Transportation9596100
Utilities9796100
Lifestyle & Entertainment9495100
Household Items9998100
Education & Childcare9194100
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Homes For Sale In Rochester, IN

property for sale

840 Ravencrest Dr Unit RAV840

Rochester, IN
property for sale

1200 College Ave

Rochester, IN
property for sale

1725 Colonial Dr #22

Rochester, IN
property for sale

705 E 4th St #66

Rochester, IN
See the Newest Homes For Sale In Rochester, IN

Cost Of Living Quick Facts

  • The cost of living in Rochester is 4% lower than the Indiana average
  • The cost of living in Rochester is 15% lower than the national average
  • Rochester housing is 39% 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 Rochester

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Compare Rochester, IN Cost of Living

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      Salary Calculator

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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
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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$91,480$7,623$2,134$2,745
      Renters$44,071$3,673$1,028$1,322
      To approximate the cost of living and the housing affordability in Rochester, IN, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Rochester have a median income of $91,480. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,134 per month to avoid calamity and poverty. The renters in the city have an income of about $44,071, which would make their monthly maximum allowable rental costs $1,028.

      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.
      Macy, IN1887822.3%
      Kewanna, IN4517821.8%
      Fulton, IN2618118.5%
      Monterey, IN4038217.6%
      Burket, IN1878317.2%
      Rochester, IN6,2688514.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Princeville, QC6,268n/a 
      Beresford, NB6,264n/a 
      El Granada, CA6,263244143.7%
      Bridgewater, VA6,26311111.2%
      Rensselaer, IN6,2748713.0%
      Rochester, IN6,2688514.7%
      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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