Cost of Living in Upland, IN

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12%
Overall NAT. AVG.
4%
Groceries NAT. AVG.
28%
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 Upland Indiana National
Cost of living8889100
Groceries9697100
Health care9797100
Housing7272100
Transportation9496100
Utilities9396100
Lifestyle & Entertainment9295100
Household Items9898100
Education & Childcare9194100
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Homes For Sale In Upland, IN

property for sale

1334 S 8th St

Upland, IN
property for sale

Lot 7 W South St

Upland, IN
property for sale

Lot 9 W South St

Upland, IN
property for sale

Lot 8 W South St

Upland, IN

Cost Of Living Quick Facts

  • The cost of living in Upland is 1% 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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      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
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      Educare 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Landess, IN93955.5%
      Jalapa, IN146973.1%
      Montpelier, IN1,8497821.5%
      Hartford City, IN5,9287921.0%
      Orestes, IN5298019.6%
      Upland, IN3,8278812.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Oregon, IL3,8278811.7%
      Cedar Springs, MI3,826928.3%
      Shenandoah Farms, VA3,8281109.6%
      Bishop, CA3,82912525.1%
      Meiners Oaks, CA3,82916666.1%
      Upland, IN3,8278812.1%
      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.
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