Cost of Living in Waterloo, IN

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17%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
49%
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 Waterloo Indiana National
Cost of living8389100
Groceries9897100
Health care9597100
Housing5172100
Transportation10096100
Utilities9596100
Lifestyle & Entertainment9595100
Household Items10098100
Education & Childcare9594100
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Homes For Sale In Waterloo, IN

property for sale

3440 Fawn Creek Blvd

Waterloo, IN
property for sale

2295 US Highway 6

Waterloo, IN
property for sale

430 W Maple St

Waterloo, IN
property for sale

Johnstown Sika TRL

Waterloo, IN

Cost Of Living Quick Facts

  • The cost of living in Waterloo is 6% lower than the Indiana average
  • The cost of living in Waterloo is 17% lower than the national average
  • Waterloo housing is 49% 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 Waterloo

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Compare Waterloo, IN Cost of Living

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      Utilities index
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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$76,740$6,395$1,790$2,302
      Renters$53,077$4,423$1,238$1,592

      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.
      St. Joe, IN4668119.0%
      Ashley, IN1,0828416.5%
      Corunna, IN1958416.1%
      Butler, IN2,9588415.8%
      Edon, OH9048415.8%
      Waterloo, IN2,2848316.6%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Myersville, MD2,28412828.1%
      Snow Hill, MD2,284990.9%
      Spruce Pine, NC2,284928.1%
      Washington Mills, NY2,2841065.8%
      Linden, TX2,2848613.8%
      Waterloo, IN2,2848316.6%
      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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