Cost of Living in Upland, IN

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12%
Overall NAT. AVG.
12%
Goods & Services NAT. AVG.
28%
Housing NAT. AVG.
Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Upland Indiana National
Cost of living8890100
Goods & Services8895100
Groceries9499100
Health care12499100
Housing7272100
Transportation100101100
Utilities9795100
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Homes For Sale In Upland, IN

property for sale

1324 S Second St

Upland, IN
property for sale

715 Silverman Blvd

Upland, IN
property for sale

10080 E 500 S

Upland, IN
property for sale

9261 E 1061 S

Upland, IN

Cost Of Living Quick Facts

  • The cost of living in Upland is 2% lower than the Indiana average
  • The cost of living in Upland is 12% lower than the national average
  • Upland housing is 28% 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 Upland

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Compare Upland, IN Cost of Living

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      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$109,344$9,112$2,551$3,281
      Renters$51,988$4,332$1,213$1,560
      To approximate the cost of living and the housing affordability in Upland, 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 Upland have a median income of $109,344. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,551 per month to avoid calamity and poverty. The renters in the city have an income of about $51,988, which would make their monthly maximum allowable rental costs $1,213.

      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%

      Goods & Services

      Item Upland National avg. Difference
      Haircut $18.78$27.6232.0%
      Beauty Salon $35.10$51.1131.3%
      Toothpaste $4.30$4.095.1%
      Shampoo $1.57$1.541.8%
      Movie $11.97$12.887.1%
      Yoga $14.78$19.6624.8%

      Groceries

      Item Upland National avg. Difference
      Ground Beef $7.64$7.700.8%
      Fried Chicken $1.49$1.6610.4%
      Milk $4.55$4.733.9%
      Potatoes $5.57$5.266.0%
      Pizza $11.96$12.766.3%
      Beer $10.57$10.550.2%

      Health Care

      Item Upland National avg. Difference
      Optometrist $173.55$140.0623.9%
      Doctor $160.10$153.824.1%
      Dentist $225.21$123.1582.9%
      Ibuprofen $11.95$11.731.9%
      Lipitor $12.66$23.6146.4%

      Housing

      Item Upland National avg. Difference
      Home Price $247,578.00$326,622.0024.2%
      Avg. Mortgage Payment $2,245.34$2,480.259.5%
      Apartment Rent $933.00$1,444.0035.4%

      Transportation

      Item Upland National avg. Difference
      Gasoline $3.05$3.060.1%
      Tire Balancing $64.42$65.211.2%

      Utilities

      Item Upland National avg. Difference
      All Electricity $212.56$220.123.4%
      Phone $193.77$195.711.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Landess, IN93945.6%
      Jalapa, IN146954.5%
      Montpelier, IN1,8497821.6%
      Hartford City, IN5,9287921.1%
      Orestes, IN5298020.4%
      Upland, IN3,8278812.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Oregon, IL3,8278911.5%
      Cedar Springs, MI3,826946.4%
      Shenandoah Farms, VA3,82811413.9%
      Bishop, CA3,82912525.2%
      Meiners Oaks, CA3,82916666.3%
      Upland, IN3,8278812.2%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
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