Elkhart, Indiana
Living in Elkhart, Indiana is about 10% cheaper than the national average, with a cost of living index of 90 (US = 100). Typical rent is $1,182 a month, 39% below the national figure of $1,932, and regular gas costs $3.57 a gallon versus $3.98 nationally as of November 11, 2026. Rent, gas, groceries, electricity and car insurance take about 38% of the area's $66,144 median household income.
Key Numbers
Gas (Regular)
$3.57
National: $3.98
Avg Rent (All)
$1,182
National: $1,932
Grocery Inflation
1.77%
Year-over-year
Fast Food Avg
$12.99
Combo meal
Electricity
17.02¢
per kWh · ~$153/mo
Car Insurance
$116/mo
$1,388/yr
Median Household Income
$66,144
38.4% goes to essentials
Car Insurance
Avg $1,388 in Elkhart. Compare rates:
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Avg rent $1,182/mo in Elkhart. Browse listings:
Grocery Prices
Grocery Prices — 2000 to Present
National BLS averages · submit local prices below ↓
Eggs (dozen)
Bird flu volatility
$0.97 in 2000 → $2.32 BLS avg
$1.89 @ Kroger - Hively (Nov 2026)
Milk (gallon)
$2.79 in 2000 → $4.10 BLS avg
$2.69 @ Kroger - Hively (Nov 2026)
Ground Beef (lb)
$1.48 in 2000 → $6.75 BLS avg
$5.99 @ Kroger - Hively (Nov 2026)
Bread (loaf)
$0.91 in 2000 → $1.86 BLS avg
$3.99 @ Kroger - Hively (Nov 2026)
Chicken Breast (lb)
$1.06 in 2000 → $2.03 BLS avg
$4.00 @ Kroger - Hively (Nov 2026)
Butter (lb)
$3.98 BLS avg
$4.29 @ Kroger - Hively (Nov 2026)
Bacon (lb)
$2.75 in 2000 → $6.69 BLS avg
$5.32 @ Kroger - Hively (Nov 2026)
Cheddar Cheese (lb)
$3.84 in 2000 → $6.13 BLS avg
$3.98 @ Kroger - Hively (Nov 2026)
Pasta (lb)
$0.88 in 2000 → $1.38 BLS avg
$1.89 @ Kroger - Hively (Nov 2026)
Rice (5 lb)
$2.50 in 2000 → $5.50 BLS avg
$8.49 @ Kroger - Hively (Nov 2026)
Coffee (12 oz)
$2.65 in 2000 → $6.94 BLS avg
$8.99 @ Kroger - Hively (Nov 2026)
Orange Juice (64 oz)
Citrus shortage
$5.42 estimate
Potatoes (5 lb)
$1.96 in 2000 → $4.95 BLS avg
$3.69 @ Kroger - Hively (Nov 2026)
Apples (3 lb)
$5.20 estimate
$2.99 @ Kroger - Hively (Nov 2026)
Tomatoes (lb)
$1.44 in 2000 → $2.08 BLS avg
$1.29 @ Kroger - Hively (Nov 2026)
Lettuce (head)
$0.75 in 2000 → $1.96 BLS avg
$3.29 @ Kroger - Hively (Nov 2026)
Cooking Oil (48 oz)
$7.76 estimate
$3.89 @ Kroger - Hively (Nov 2026)
Yogurt (32 oz)
$4.94 estimate
$6.29 @ Kroger - Hively (Nov 2026)
Cereal (family size)
$6.20 estimate
$4.99 @ Kroger - Hively (Nov 2026)
Frozen Pizza
$8.65 estimate
$5.99 @ Kroger - Hively (Nov 2026)
| Item | 2000 | 2005 | 2010 | 2015 | 2020 | 2022 | 2026 | Since 2000 |
|---|---|---|---|---|---|---|---|---|
| Eggs (dozen)Bird flu volatility$1.89 @ Kroger - Hively (Nov 2026) | $0.97 | $1.21 | $1.79 | $2.11 | $1.46 | $1.93 | $2.32 | +137.9% |
| Milk (gallon)$2.69 @ Kroger - Hively (Nov 2026) | $2.79 | $3.30 | $3.24 | $3.76 | $3.25 | $3.79 | $4.10 | +47.3% |
| Ground Beef (lb)$5.99 @ Kroger - Hively (Nov 2026) | $1.48 | $2.19 | $2.28 | $4.24 | $3.89 | $4.55 | $6.75 | +355.5% |
| Bread (loaf)$3.99 @ Kroger - Hively (Nov 2026) | $0.91 | $1.00 | $1.36 | $1.48 | $1.35 | $1.55 | $1.86 | +105.2% |
| Chicken Breast (lb)$4.00 @ Kroger - Hively (Nov 2026) | $1.06 | $1.03 | $1.26 | $1.55 | $1.41 | $1.62 | $2.03 | +91.3% |
| Butter (lb)$4.29 @ Kroger - Hively (Nov 2026) | — | — | — | — | $3.86 | $3.67 | $3.98 | -4.2% since 2018 |
| Bacon (lb)$5.32 @ Kroger - Hively (Nov 2026) | $2.75 | $3.37 | $3.63 | $5.59 | $5.50 | $7.22 | $6.69 | +143.1% |
| Cheddar Cheese (lb)$3.98 @ Kroger - Hively (Nov 2026) | $3.84 | $4.21 | $4.72 | $5.40 | $5.20 | $5.32 | $6.13 | +59.6% |
| Pasta (lb)$1.89 @ Kroger - Hively (Nov 2026) | $0.88 | $0.94 | $1.15 | $1.26 | $1.23 | $1.12 | $1.38 | +57.1% |
| Rice (5 lb)$8.49 @ Kroger - Hively (Nov 2026) | $2.50 | $2.98 | $3.77 | $3.46 | $3.58 | $4.16 | $5.50 | +120.6% |
| Coffee (12 oz)$8.99 @ Kroger - Hively (Nov 2026) | $2.65 | $2.29 | $2.86 | $3.55 | $3.13 | $3.85 | $6.94 | +161.3% |
| Orange Juice (64 oz)Citrus shortageLocal estimate | — | — | — | — | — | $3.72 | $5.42 | +45.7% since 2022 |
| Potatoes (5 lb)$3.69 @ Kroger - Hively (Nov 2026) | $1.96 | $2.29 | $2.81 | $3.34 | $4.01 | $3.96 | $4.95 | +152.6% |
| Apples (3 lb)Local estimate$2.99 @ Kroger - Hively (Nov 2026) | — | — | — | — | — | $4.49 | $5.20 | +15.8% since 2022 |
| Tomatoes (lb)$1.29 @ Kroger - Hively (Nov 2026) | $1.44 | $1.66 | $1.84 | $2.09 | $2.22 | $1.89 | $2.08 | +44.4% |
| Lettuce (head)$3.29 @ Kroger - Hively (Nov 2026) | $0.75 | $0.82 | $0.90 | $1.17 | $1.34 | — | $1.96 | +162.3% |
| Cooking Oil (48 oz)Local estimate$3.89 @ Kroger - Hively (Nov 2026) | — | — | — | — | — | $5.54 | $7.76 | +40.1% since 2022 |
| Yogurt (32 oz)Local estimate$6.29 @ Kroger - Hively (Nov 2026) | — | — | — | — | — | $4.15 | $4.94 | +19.0% since 2022 |
| Cereal (family size)Local estimate$4.99 @ Kroger - Hively (Nov 2026) | — | — | — | — | — | $4.79 | $6.20 | +29.4% since 2022 |
| Frozen PizzaLocal estimate$5.99 @ Kroger - Hively (Nov 2026) | — | — | — | — | — | $6.31 | $8.65 | +37.1% since 2022 |
Dining & Restaurants
Fast Food Meal
$12.99
Casual Dining
$24.18
Monthly Spend
$431.46
+5.41% YoYChain Restaurant Meal Prices — 2022 vs. Today
Combo meal / typical order for one
McDonald's
2022: $8.36
$13.49
+61.4%Wendy's
2022: $9.44
$14.57
+54.3%Chipotle
2022: $10.12
$15.11
+49.3%Starbucks
2022: $4.58
$6.36
+38.9%Eating out more? Save on groceries with Ibotta and cook at home more often.
Looking for an Apartment in Elkhart?
Average 1BR: $969/mo · 2BR: $1,395/mo
Elkhart Cost of Living FAQ
Is Elkhart, IN expensive to live in?
Elkhart has a cost of living index of 90, where 100 is the US average, so it is about 10% cheaper than average. It is the 8th most affordable of the 15 Indiana cities we track.
What is the average rent in Elkhart, IN?
Typical rent in Elkhart is $1,182 a month for all home types as of September 2026, 39% below the national figure of $1,932. One bedroom units average about $969 and two bedrooms about $1,395. Source: Zillow Observed Rent Index for the metro area.
Is rent going up in Elkhart?
Rent in Elkhart rose 4.3% over the past year, faster than the 2.7% change nationally.
How much is gas in Elkhart?
Regular unleaded costs about $3.57 a gallon in Elkhart as of November 11, 2026, based on the AAA average for Indiana. That is 10% below the national average of $3.98.
How much is electricity in Elkhart?
Homes in Indiana pay an average of 17.0 cents per kWh (EIA), versus 18.4 cents nationally. At 900 kWh a month, a typical bill in Elkhart is about $153.
How much is car insurance in Elkhart?
Full coverage car insurance averages $1,388 a year in Indiana, or about $116 a month (Bankrate and NAIC state average), compared with $2,150 a year nationally.
How much do you need to live in Elkhart?
Median household income in the Elkhart area is $66,144 (Census ACS 2023, county level). Rent, gas, groceries, electricity and car insurance add up to about $25,398 a year, or 38% of that income. Groceries are counted at $5,846 a year, the average household spend on food at home in the region (BLS Consumer Expenditure Survey).
How does Elkhart compare with the rest of Indiana?
Rent in Elkhart is 5% below the $1,240 average across the 15 Indiana cities we track, and its cost of living index of 90 compares with a state average of 89.
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