Cost of living in Fort Wayne, IN
466,258 people (Census 2025 estimate). Overall prices are 7.4% below the US average, with housing at 72.3 on BEA’s index (US = 100). A single renter on $60,000 keeps $1,370 a month after 2026 taxes and modeled costs.
Typical household budgets in Fort Wayne, IN
Computed by MoveMath’s engine with 2026 tax law, HUD Fair Market Rent for the bedrooms each household needs, no childcare (DOL publishes no childcare prices for this metro’s principal county — see below), USDA Moderate-Cost food, one car per adult and $1,000 a month of other spending at US-average prices scaled by local price levels.
Childcare is not included in these budgets: DOL’s National Database of Childcare Prices has no price for Allen County, IN in any year from 2018 to 2022 (NDCP has no county prices anywhere in Indiana for those years). The family’s budget would be higher by the cost of care.
| Per month | Single, $60k | Couple + toddler, $110k | Family of four, $71,213 |
|---|---|---|---|
| Gross income | $5,000 | $9,167 | $5,934 |
| Taxes | $1,024 | $1,654 | $697 |
| Take-home pay | $3,976 | $7,513 | $5,237 |
| Housing | $1,026 | $1,248 | $1,248 |
| Food | $415 | $932 | $1,210 |
| Transportation | $164 | $329 | $329 |
| Sales tax | $33 | $33 | $33 |
| Other goods & services | $967 | $967 | $967 |
| Left over | $1,370 | $4,004 | $1,451 |
Family of four = two adults, a preschooler and a school-age child at the metro’s median household income ($71,213). Click a column to open it in the budget planner and change any input.
Price levels: Fort Wayne, IN vs Indiana and the US
BEA Regional Price Parities, 2024. 100 = US average; bars compare the metro (dark) with Indiana statewide (light).
Within Indiana, Fort Wayne, IN ranks 6th of 12 metros on overall prices; the state as a whole is at 93.3. The dashed line marks the US average.
Rent and homeownership
| Unit | HUD Fair Market Rent | Income needed at 30% | Share of median income |
|---|---|---|---|
| Studio | $1,025 | $41,000 | 17.3% |
| 1-bedroom | $1,026 | $41,040 | 17.3% |
| 2-bedroom | $1,248 | $49,920 | 21.0% |
| 3-bedroom | $1,534 | $61,360 | 25.8% |
| 4-bedroom | $1,679 | $67,160 | 28.3% |
FY2027 FMRs for Fort Wayne, IN HUD Metro FMR Area: 40th-percentile gross rent (rent + tenant-paid utilities) for standard-quality units. Census median gross rent, all unit sizes: $1,003 (ACS 2020-2024).
Childcare prices in Allen County, IN
No childcare prices: DOL’s National Database of Childcare Prices has no price for Allen County, IN in any year from 2018 to 2022 (NDCP has no county prices anywhere in Indiana for those years). Childcare is left out of the budgets on this page (not counted as $0 cost) rather than estimated.
Taxes: what you keep in Fort Wayne
| Single filer, 2026 | $50,000 | $75,000 | $120,000 |
|---|---|---|---|
| Federal income tax | $3,820 | $7,670 | $17,570 |
| Social Security + Medicare | $3,825 | $5,738 | $9,180 |
| Indiana income tax | $1,446 | $2,183 | $3,511 |
| Local income tax (Allen County) | $779 | $1,177 | $1,892 |
| Take-home pay / month | $3,344 | $4,853 | $7,321 |
| Share of pay to taxes | 19.7% | 22.4% | 26.8% |
Indiana county income tax for residents of Allen County (the principal city’s county). State sales tax: 7% (state rate only; local rates add on), groceries exempt.
Calculate take-home pay for your household in Fort Wayne, IN
Energy and fuel
EIA: electricity 2025, natural gas 2024, gasoline week ending 2026-10-05. Renters’ utilities are already inside gross rent.
Nearby metros
| Metro | Distance | Price level | 2-BR FMR | Single $60k left over |
|---|---|---|---|---|
| Fort Wayne, IN | — | 92.6 | $1,248 | $1,370 |
| Lima, OH · compare | 59 mi | 89.7 | $1,179 | $1,642 (+$272) |
| Elkhart, IN · compare | 60 mi | 90.3 | $1,253 | $1,328 (−$42) |
| Muncie, IN · compare | 63 mi | 88.1 | $1,145 | $1,487 (+$117) |
| Kokomo, IN · compare | 67 mi | 89.6 | $1,179 | $1,443 (+$74) |
| South Bend, IN-MI · compare | 71 mi | 92.9 | $1,276 | $1,296 (−$74) |
| Niles, MI · compare | 77 mi | 92.4 | $1,152 | $1,549 (+$179) |
Frequently asked questions
Is Fort Wayne, IN expensive to live in?+
BEA’s Regional Price Parities put overall prices in the Fort Wayne, IN metro at 92.6 (US = 100) in 2024 — 7.4% below the national average and the 227th highest of 387 metros. Housing is 72.3, goods 94.3.
What salary do you need to live in Fort Wayne, IN?+
A single renter earning $60,000 keeps $3,976 a month after 2026 taxes and has $1,370 left after rent at HUD Fair Market Rent, food, fuel, sales tax and other modeled costs. Use the cost of living calculator to find the salary that matches your current budget.
How much is rent in Fort Wayne, IN?+
HUD’s FY2027 Fair Market Rent — the 40th-percentile gross rent including utilities — is $1,026 for a 1-bedroom and $1,248 for a 2-bedroom. The Census median gross rent for all units is $1,003.
Does Fort Wayne have a local income tax?+
Indiana county income tax for residents of Allen County (the principal city’s county). On $75,000 a single filer would owe about $1,177 a year in local tax under our 2026 data.