Cost Of Living in Saratoga, IN

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22%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

62%

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	Saratoga	Indiana	National
Cost of living	78	89	100
Groceries	96	97	100
Health care	97	97	100
Housing	38	72	100
Transportation	94	96	100
Utilities	93	96	100
Lifestyle & Entertainment	92	95	100
Household Items	98	98	100
Education & Childcare	91	94	100

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Homes For Sale In Saratoga, IN

113 E Main ST

Saratoga, IN

Cost Of Living Quick Facts

The cost of living in Saratoga is 13% lower than the Indiana average
The cost of living in Saratoga is 22% lower than the national average
Saratoga housing is 62% 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
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	$81,740	$6,812	$1,907	$2,452
Renters	$45,947	$3,829	$1,072	$1,379

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.
Union City, OH	1,705	79	21.3%
Ridgeville, IN	567	77	22.8%
New Weston, OH	69	80	20.3%
Union City, IN	3,491	80	19.9%
Palestine, OH	261	80	19.9%
Saratoga, IN	259	78	22.4%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Oxbow Estates, AZ	259	102	1.8%
Groveland, CA	259	145	45.1%
Jamaica, IA	259	82	18.4%
Spring Lake, IN	259	89	10.8%
Watersmeet, MI	259	80	19.6%
Saratoga, IN	259	78	22.4%