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Fort Wayne, IN

Cost of living in Fort Wayne, Indiana

Allen County, IN

Part of the Fort Wayne Metro Area

Estimated monthly cost
$2,976/mo
for a single person, all categories combined

Population 388,791 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $991 33%
Federal tax $513 17%
Healthcare $480 16%
Transport $320 11%
Groceries $318 11%
Energy $199 7%
State tax $105 4%
Water $50 2%

Rent in Fort Wayne

Fair Market Rents by bedroom count.

Studio
$943
per month
1 bedroom
$991
per month
2 bedroom
$1,199
per month
3 bedroom
$1,512
per month
4 bedroom
$1,632
per month

Source: HUD FMR FY2025

Income and earnings in Fort Wayne

Annual earnings figures from the Census ACS.

Household income
$68,839
per year
Individual earnings
$41,431
per year
Per capita
$36,432
per year

Source: ACS 2019-2023 5-Year.

Home values in Fort Wayne

Average values reported by homeowners.

Average home value
$194,300
Annual property tax
$1,559

Source: ACS 2019-2023 5-Year

Energy costs in Fort Wayne

Estimated monthly electricity and gas costs.

Electricity
$142
per month · 15.8¢/kWh
Natural gas
$57
per month
Annual total
$2,388
per year

Source: EIA

Healthcare in Fort Wayne

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
8.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Fort Wayne

State and local tax rates for Indiana.

State income tax
3.0%
Flat rate
State sales tax
7.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Fort Wayne

Commute patterns and estimated costs.

Average commute
21.7 min
Drive alone
79.1%
Public transit
0.8%
Work from home
8.3%

Source: ACS

Monthly cost estimates for Fort Wayne

What it costs to live in Fort Wayne each month.

Single person
$2,976
per month
  • Rent $991
  • Energy $199
  • Water $50
  • Groceries $318
  • Transport $320
  • Healthcare $480
  • Federal tax $513
  • State tax $105
Couple
$4,281
per month
  • Rent $1,199
  • Energy $239
  • Water $60
  • Groceries $527
  • Transport $420
  • Healthcare $864
  • Federal tax $797
  • State tax $175
Family
$6,722
per month
  • Rent $1,512
  • Energy $298
  • Water $70
  • Groceries $800
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $797
  • State tax $175

Frequently asked questions about Fort Wayne

Common questions about cost of living, rent and salary.

What is the average rent in Fort Wayne?

In Fort Wayne, Indiana, a one-bedroom apartment averages $991 per month, a two-bedroom averages $1,199 per month, a three-bedroom averages $1,512 per month, according to HUD Fair Market Rent data.

What is the average salary in Fort Wayne?

In Fort Wayne, Indiana, the average household income is $68,839 per year and individual earnings for full-time workers average $41,431 per year, according to U.S. Census Bureau data.

What is the cost of living in Fort Wayne?

The estimated cost of living in Fort Wayne, Indiana is approximately $2,976 per month for a single person, $4,281 for a couple, $6,722 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Fort Wayne?

The combined sales tax rate in Fort Wayne, Indiana is 7.00%, which includes the Indiana state rate of 7.00% plus an average local rate of 0.00%.

Is Fort Wayne an affordable place to live?

Based on the data, a single person in Fort Wayne, Indiana would need approximately $2,976 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $68,839 per year ($5,737 per month). Fort Wayne has a moderate cost of living relative to local earnings.

How much does healthcare cost in Fort Wayne?

The ACA marketplace benchmark premium in Fort Wayne, Indiana is approximately $480 per month for an individual. Approximately 8.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Fort Wayne?

The average home value in Fort Wayne, Indiana is $194,300, with average annual property taxes of $1,559, according to U.S. Census Bureau data.

How does Fort Wayne compare to other areas?

You can compare Fort Wayne, Indiana with any other US county using our comparison tool at /compare. Fort Wayne is in the Fort Wayne, IN metro area.

Other counties in Indiana

Browse the full list of counties in Indiana, ranked by cost of living.

See all counties in Indiana

Compare Fort Wayne with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources