Cost Of Living in Universal, IN

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23%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

70%

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	Universal	Indiana	National
Cost of living	77	89	100
Groceries	98	97	100
Health care	99	97	100
Housing	30	72	100
Transportation	98	96	100
Utilities	96	96	100
Lifestyle & Entertainment	98	95	100
Household Items	97	98	100
Education & Childcare	92	94	100

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Homes For Sale In Universal, IN

686 E Wood Ave

Clinton, IN

319 Shew St

Universal, IN

235 Ridge Street ST

Universal, IN

Cost Of Living Quick Facts

The cost of living in Universal is 14% lower than the Indiana average
The cost of living in Universal is 23% lower than the national average
Universal housing is 70% 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	$74,737	$6,228	$1,744	$2,242
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.
Dresser, IN	38	97	3.1%
Blanford, IN	253	76	24.0%
Bloomingdale, IN	431	78	22.2%
Mecca, IN	606	78	22.2%
Dana, IN	717	79	21.3%
Universal, IN	352	77	23.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Mitchellville, AR	352	76	24.3%
Matlacha Isles-Matlacha Shores, FL	352	129	29.3%
Odum, GA	352	85	14.9%
Jasper, MI	352	86	13.8%
Rushmore, MN	352	84	16.3%
Universal, IN	352	77	23.0%