Cost of Living in Winona Lake, IN

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6%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
11%
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 Winona Lake Indiana National
Cost of living9489100
Groceries9797100
Health care9697100
Housing8972100
Transportation9596100
Utilities9796100
Lifestyle & Entertainment9495100
Household Items9998100
Education & Childcare9194100
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Homes For Sale In Winona Lake, IN

property for sale

502 Roy St

Winona Lake, IN
property for sale

1370 E Legacy Ln

Winona Lake, IN
property for sale

2490 Bandit CV

Winona Lake, IN
property for sale

308 Auditorium Blvd

Winona Lake, IN

Cost Of Living Quick Facts

  • The cost of living in Winona Lake is 5% higher than the Indiana average
  • The cost of living in Winona Lake is 6% 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

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      Salary Calculator

      This is how much you would need to earn in
      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$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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Sidney, IN668020.5%
      Claypool, IN5418119.2%
      Cromwell, IN4988218.0%
      Burket, IN1878317.2%
      South Whitley, IN1,5558415.8%
      Winona Lake, IN5,053946.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Circle Pines, MN5,0531055.5%
      Shady Side, MD5,05213434.0%
      Michigan Center, MI5,0529010.3%
      Crossett, AR5,0548415.9%
      Forest Hills, TN5,054203102.6%
      Winona Lake, IN5,053946.3%
      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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