Cost Of Living in St. Joe, IN

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19%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

57%

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	St. Joe	Indiana	National
Cost of living	81	89	100
Groceries	98	97	100
Health care	95	97	100
Housing	43	72	100
Transportation	100	96	100
Utilities	95	96	100
Lifestyle & Entertainment	95	95	100
Household Items	100	98	100
Education & Childcare	95	94	100

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Homes For Sale In St. Joe, IN

312 Washington St

Saint Joe, IN

Cost Of Living Quick Facts

The cost of living in St. Joe is 9% lower than the Indiana average
The cost of living in St. Joe is 19% lower than the national average
St. Joe housing is 57% 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	$91,437	$7,620	$2,133	$2,743
Renters	$41,504	$3,459	$968	$1,245

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.
Antwerp, OH	1,550	83	16.7%
Waterloo, IN	2,284	83	16.6%
Ashley, IN	1,082	84	16.5%
Corunna, IN	195	84	16.1%
Butler, IN	2,958	84	15.8%
St. Joe, IN	466	81	19.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
East Fork, AZ	466	85	14.9%
Lost Nation, IA	466	79	20.7%
Fairview, IL	466	81	18.6%
Eagle Lake, ME	466	87	13.1%
Galien, MI	466	85	15.3%
St. Joe, IN	466	81	19.0%