Cost Of Living in Spring Lake, IN

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11%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

31%

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	Spring Lake	Indiana	National
Cost of living	89	89	100
Groceries	100	97	100
Health care	96	97	100
Housing	69	72	100
Transportation	100	96	100
Utilities	93	96	100
Lifestyle & Entertainment	98	95	100
Household Items	99	98	100
Education & Childcare	99	94	100

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Cost Of Living Quick Facts

The cost of living in Spring Lake is equal to the Indiana average
The cost of living in Spring Lake is 11% lower than the national average
Spring Lake housing is 31% 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	$0	$0	$0	$0
Renters	$0	$0	$0	$0

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.
Shirley, IN	1,091	83	17.3%
Manilla, IN	499	84	15.9%
Morristown, IN	1,182	88	12.2%
Wilkinson, IN	453	87	12.8%
Beech Grove, IN	15,679	88	11.7%
Spring Lake, IN	259	89	10.8%

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%
Saratoga, IN	259	78	22.4%
Watersmeet, MI	259	80	19.6%
Spring Lake, IN	259	89	10.8%