What is the cost of living in Cumberland, IN?
According to the most recent data on the cost of living, Cumberland has an overall cost of living index of 97, which is 1.0x lower than the national index of 100.
Compared to Indiana, Cumberland has a cost of living index that's 1.1x higher than Indiana's index of 90.
The standard of living in Cumberland ranks as #103 most affordable out of the 129 places we measured in Indiana. By definition, that implies Cumberland ranks as the #26 most expensive place in the Hoosier State.
For more reading on life in Cumberland, check out:
Cumberland Cost Of Living Vs. Indiana
Six factors go into calculating the cost of living index in Cumberland. Here is how it fares on each of the criteria:
The Services index in Cumberland is 101.
The Groceries index in Cumberland is 97.
The Health index in Cumberland is 87.
The Housing index in Cumberland is 101.
The Transportation index in Cumberland is 91.
The Utilities index in Cumberland is 96.
| Living Expense | Cumberland | Indiana | National Average |
|---|---|---|---|
| Overall | 97 | 90 | 100 |
| Services | 101 | 97 | 100 |
| Groceries | 97 | 95 | 100 |
| Health | 87 | 72 | 100 |
| Housing | 101 | 98 | 100 |
| Transportation | 91 | 94 | 100 |
| Utilities | 96 | 96 | 100 |
Cumberland Cost Of Living Compared To Indiana Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Indiana, check out:
Protect your home budget Compare home warranties in Cumberland Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Cumberland, IN Housing Cost Breakdown
Housing swings affordability the most between places in Indiana, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Cumberland is $289,408.
The Median Rent in Cumberland is $1,157.
The Median Income in Cumberland is $87,364.
The Home Value To Income in Cumberland is 3.3x.
The Rent To Monthly Income in Cumberland is 0.16x.
| Statistic | Cumberland | Indiana | United States |
|---|---|---|---|
| Median Home Value | $289,408 | $254,121 | $332,700 |
| Median Rent | $1,157 | $1,062 | $1,413 |
| Median Income | $87,364 | $71,957 | $80,734 |
| Home Value To Income | 3.3x | 3.5x | 4.1x |
| Rent To Monthly Income | 0.16x | 0.18x | 0.21x |
Cumberland, IN Costs By Category
Detailed Cumberland Services costs vs. Indiana
| Item | Cumberland | Indiana |
|---|---|---|
| Shampoo | $1.33 | $1.28 |
| Movie | $10.91 | $12.13 |
| Bowling | $18.7 | $18 |
| Haircut | $19.53 | $24.26 |
| Beauty Salon | $39.03 | $45.56 |
Detailed Cumberland Groceries costs vs. Indiana
| Item | Cumberland | Indiana |
|---|---|---|
| Ground Beef | $5.91 | $5.84 |
| Fried Chicken | $1.61 | $1.57 |
| Milk | $4.73 | $4.67 |
| Potatoes | $5.07 | $4.93 |
| Pizza | $12.39 | $12.09 |
| Beer | $10.3 | $10.41 |
| Toothpaste | $3.67 | $3.7 |
Detailed Cumberland Health costs vs. Indiana
| Item | Cumberland | Indiana |
|---|---|---|
| Optometrist | $73.37 | $125.68 |
| Doctor | $99.19 | $135.78 |
| Dentist | $109.26 | $113.29 |
Detailed Cumberland Transportation costs vs. Indiana
| Item | Cumberland | Indiana |
|---|---|---|
| Gasoline | $3.39 | $3.46 |
| Tire Balancing | $54.63 | $59.92 |
Detailed Cumberland Utilities costs vs. Indiana
| Item | Cumberland | Indiana |
|---|---|---|
| All Electricity | $207.03 | $193.99 |
| Phone | $190.02 | $192.25 |
Cumberland SnackAbility
Cost Of Living In Cities Around Cumberland
The cost of living varies in the cities and towns around Cumberland. Here's a quick look at the cost of living in the most populous nearby places:
Indianapolis, IN has a cost of living index of 94, 1.0x Cumberland.
Carmel, IN has a cost of living index of 117, 1.2x Cumberland.
Noblesville, IN has a cost of living index of 103, 1.1x Cumberland.
| City | Population | Cost Of Living | Vs. Cumberland |
|---|---|---|---|
| Indianapolis, IN | 885,860 | 94 | 1.0x |
| Carmel, IN | 101,651 | 117 | 1.2x |
| Noblesville, IN | 73,362 | 103 | 1.1x |
| Greenwood, IN | 66,029 | 96 | 1.0x |
| Westfield, IN | 54,677 | 112 | 1.2x |
| Lawrence, IN | 49,517 | 95 | 1.0x |
| Greenfield, IN | 24,940 | 93 | 1.0x |
| Beech Grove, IN | 14,913 | 86 | 0.9x |
| McCordsville, IN | 10,329 | 102 | 1.1x |
| New Whiteland, IN | 5,704 | 89 | 0.9x |
