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Elkhart-Goshen, IN

Cost of living in Elkhart County, IN

Part of the Elkhart Metro Area

Estimated monthly cost
$2,820/mo
for a single person, all categories combined

Population 206,868 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $869 31%
Federal tax $483 17%
Healthcare $480 17%
Transport $320 11%
Groceries $318 11%
Energy $199 7%
State tax $101 4%
Water $50 2%

Rent in Elkhart County

Fair Market Rents by bedroom count.

Studio
$853
per month
1 bedroom
$869
per month
2 bedroom
$1,055
per month
3 bedroom
$1,374
per month
4 bedroom
$1,399
per month

Source: HUD FMR FY2025

Income and earnings in Elkhart County

Annual earnings figures from the Census ACS.

Household income
$65,617
per year
Individual earnings
$39,588
per year
Per capita
$31,850
per year

Source: ACS 2019-2023 5-Year.

Home values in Elkhart County

Average values reported by homeowners.

Average home value
$194,400
Annual property tax
$1,592

Source: ACS 2019-2023 5-Year

Energy costs in Elkhart County

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 Elkhart County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
14.7%

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 Elkhart County

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 Elkhart County

Commute patterns and estimated costs.

Average commute
19.4 min
Drive alone
75.1%
Public transit
0.3%
Work from home
4.8%

Source: ACS

Monthly cost estimates for Elkhart County

What it costs to live in Elkhart County each month.

Single person
$2,820
per month
  • Rent $869
  • Energy $199
  • Water $50
  • Groceries $318
  • Transport $320
  • Healthcare $480
  • Federal tax $483
  • State tax $101
Couple
$4,076
per month
  • Rent $1,055
  • Energy $239
  • Water $60
  • Groceries $527
  • Transport $420
  • Healthcare $864
  • Federal tax $744
  • State tax $167
Family
$6,523
per month
  • Rent $1,374
  • Energy $298
  • Water $70
  • Groceries $800
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $744
  • State tax $167

Frequently asked questions about Elkhart County

Common questions about cost of living, rent and salary.

What is the average rent in Elkhart County?

In Elkhart County, IN, a one-bedroom apartment averages $869 per month, a two-bedroom averages $1,055 per month, a three-bedroom averages $1,374 per month, according to HUD Fair Market Rent data.

What is the average salary in Elkhart County?

In Elkhart County, IN, the average household income is $65,617 per year and individual earnings for full-time workers average $39,588 per year, according to U.S. Census Bureau data.

What is the cost of living in Elkhart County?

The estimated cost of living in Elkhart County, IN is approximately $2,820 per month for a single person, $4,076 for a couple, $6,523 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Elkhart County?

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

Is Elkhart County an affordable place to live?

Based on the data, a single person in Elkhart County, IN would need approximately $2,820 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $65,617 per year ($5,468 per month). Elkhart County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Elkhart County?

The ACA marketplace benchmark premium in Elkhart County, IN is approximately $480 per month for an individual. Approximately 14.7% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Elkhart County?

The average home value in Elkhart County, IN is $194,400, with average annual property taxes of $1,592, according to U.S. Census Bureau data.

How does Elkhart County compare to other areas?

You can compare Elkhart County, IN with any other US county using our comparison tool at /compare. Elkhart County is in the Elkhart-Goshen, 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 Elkhart County 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