Cost of Living in Winona Lake, IN

Get 300+ Local Insights for Any Address in Winona Lake, IN

Get Access to 300+ Local Data Points
A+
4%
Overall NAT. AVG.
1%
Goods & Services NAT. AVG.
11%
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 Winona Lake Indiana National
Cost of living9690100
Goods & Services9995100
Groceries9999100
Health care9999100
Housing8972100
Transportation103101100
Utilities9995100
Does this Area Fit Your Budget? Local Insights Report
  • Know the community before you call it home
  • Compare multiple areas side by side
  • Access over 300 data points for any address
Local Insights Report

Homes For Sale In Winona Lake, IN

property for sale

1309 Tuscany Xing

Winona Lake, IN
property for sale

TBD E Dresdin Dr #14

Warsaw, IN
property for sale

TBD Lot #85 in Lamp Post Manor Estates RD

Winona Lake, IN
property for sale

TBD Lot #88 in Lamp Post Manor Estates RD

Winona Lake, IN

Cost Of Living Quick Facts

  • The cost of living in Winona Lake is 8% higher than the Indiana average
  • The cost of living in Winona Lake is 4% lower than the national average
  • Winona Lake housing is 11% 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 Winona Lake

See all the best places to live around Winona Lake

Compare Winona Lake, IN Cost of Living

City Image
    City Default Image
      vs
      Compare Neighborhoods & Addresses Local Insights Report

      Why stop at city-to-city? With Local Insights, you can compare neighborhoods, zip codes, or even exact addresses. Access 300+ hyperlocal data points—from schools and crime to housing and amenities—to see which area is the better fit.

      Local Insights Report
      How would you rate the cost of living in Winona Lake?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Winona Lake?
      Write a review to give others more information about this area.
      See all Winona Lake poll results

      The best places in Indiana

      Here are the best places to live in IndianaThese are the 10 cheapest cities in IndianaThese are the largest cities in IndianaSafest States In The US
      Best Places in Indiana

      Salary Calculator

      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$127,472$10,623$2,974$3,825
      Renters$54,534$4,545$1,272$1,636
      The affordability of the housing market in Winona Lake, IN as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Winona Lake homeowners, the median income is $127,472. This indicates that a monthly maximum of $2,974 should be spent by homeowners on all housing related costs. Renters have a median income of $54,534. This indicates that renters would have a maximum of $1,272 for their rent related monthly costs.

      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 Winona Lake National avg. Difference
      Haircut $20.00$27.6227.6%
      Beauty Salon $35.78$51.1130.0%
      Toothpaste $4.13$4.090.9%
      Shampoo $1.46$1.545.3%
      Movie $10.58$12.8817.9%
      Yoga $15.08$19.6623.3%

      Groceries

      Item Winona Lake National avg. Difference
      Ground Beef $8.10$7.705.1%
      Fried Chicken $1.67$1.660.5%
      Milk $5.22$4.7310.3%
      Potatoes $5.10$5.263.0%
      Pizza $15.34$12.7620.2%
      Beer $10.33$10.552.1%

      Health Care

      Item Winona Lake National avg. Difference
      Optometrist $142.80$140.062.0%
      Doctor $172.70$153.8212.3%
      Dentist $117.01$123.155.0%
      Ibuprofen $11.69$11.730.4%
      Lipitor $19.87$23.6115.8%

      Housing

      Item Winona Lake National avg. Difference
      Home Price $270,420.00$326,622.0017.2%
      Avg. Mortgage Payment $1,885.81$2,480.2524.0%
      Apartment Rent $1,496.00$1,444.003.6%

      Transportation

      Item Winona Lake National avg. Difference
      Gasoline $3.14$3.062.9%
      Tire Balancing $66.46$65.211.9%

      Utilities

      Item Winona Lake National avg. Difference
      All Electricity $217.61$220.121.1%
      Phone $193.47$195.711.1%
      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.
      Sidney, IN668020.3%
      Claypool, IN5418218.0%
      Cromwell, IN4988515.3%
      Burket, IN1878514.5%
      South Whitley, IN1,5558415.7%
      Winona Lake, IN5,053963.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Circle Pines, MN5,0531055.1%
      Shady Side, MD5,05213534.9%
      Michigan Center, MI5,052937.4%
      Crossett, AR5,0548614.4%
      Forest Hills, TN5,054202102.3%
      Winona Lake, IN5,053963.7%
      Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.
      General
      For Professionals
      Follow Us
      AV on Twitter AV on Facebook
      © AreaVibes Inc. 2010-2026