Garrett, IN vs Bonne Terre, MO: Cost of Living

Which city costs less?

Bonne Terre, MO has a modeled overall cost index 4.8% higher than Garrett, IN.

Garrett, IN · modeled 2BR rent
$980 / month
Bonne Terre, MO · modeled 2BR rent
$990 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Garrett, IN and Bonne Terre, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated extra cost: $229/month in Bonne Terre, MO

$150,000 in your current city has a modeled equivalent of $152,747 in Bonne Terre, MO

Regional cost estimates: Garrett, IN uses Fort Wayne, IN. Bonne Terre, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 4.8%
More expensive
Monthly Impact
$229
Extra cost
Annual Impact
$2.7K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Garrett, IN

Population:7K
Cost Index:
76.3
100 = national average
Typical Home:$197K

Bonne Terre, MO

Population:7K
Cost Index:
80.0
100 = national average
Typical Home:$193K

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Garrett, IN

The Hoosier State

7K
Population
State Tax
Yes

Located in Indiana, this city has a population of 7K residents.

Bonne Terre, MO

The Show-Me State

7K
Population
State Tax
Yes

Located in Missouri, this city has a population of 7K residents.

Cost Breakdown by Category

Estimated monthly spending: Garrett, IN vs Bonne Terre, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Other
↑ 7.8%
Garrett, IN
$1,744
Bonne Terre, MO
$1,881
Difference
$136
more
Healthcare
↓ 9.6%
Garrett, IN
$711
Bonne Terre, MO
$643
Difference
$68.26
less
Housing
↑ 2.8%
Garrett, IN
$1,917
Bonne Terre, MO
$1,971
Difference
$53.69
more
All Utilities
↑ 6.5%
Garrett, IN
$614
Bonne Terre, MO
$654
Difference
$39.85
more
Groceries
↑ 3.2%
Garrett, IN
$1,122
Bonne Terre, MO
$1,159
Difference
$36.28
more
Transportation
↑ 2.2%
Garrett, IN
$1,391
Bonne Terre, MO
$1,423
Difference
$31.21
more

🏠Rent Comparison

Studio
From$700
To$760
↑ $60.00
1 Bed
From$750
To$800
↑ $50.00
2 Bed
From$980
To$990
↑ $10.00
3 Bed
From$1,220
To$1,270
↑ $50.00
Garrett, INZIP-level data

1BR range: $750–$750/mo

Bonne Terre, MOZIP-level data

1BR range: $800–$800/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Garrett, IN
$7,729
Monthly in Bonne Terre, MO
$229
Difference

Home Values

Garrett
Bonne Terre
$197K
Median Value
$193K
↑ +4.8%
YoY Change
↑ +0.7%
↑ +46.7%
5-Year Change
↑ +33.5%

Homes in Bonne Terre are 2% less expensive than Garrett

Calculate payment - GarrettCalculate payment - Bonne Terre

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $3.1K
More taxes
Monthly Difference
$257
Less take-home
Effective Rate Diff
2.1%
Rate difference

Garrett, IN

Federal Income Tax
Effective: 18.9%
$25.5K
Indiana State Tax
Effective: 3.2%
$4.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.9%
$41.9K
Take-Home Pay
$9,012/month
$108.1K

Bonne Terre, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Garrett, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

Bonne Terre, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Garrett
Bonne Terre
45 Good
Air Quality
54 Moderate
62.6%
Good Air Days
38%
91 Moderate
Climate Risk
99 High
🌊🌪💨
Top Hazards
🌊🌡🫨
▲+3.1°F
2050 Outlook
▲+3.0°F
17 days
Heat Days >95°F
39 days
▲+3.1°F
2050 Outlook
▲+3.0°F
17 days
Heat Days >95°F
39 days

Before moving from Garrett, IN to Bonne Terre, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Bonne Terre, MO for the same bedroom count and included utilities as your home in Garrett, IN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Garrett to Bonne Terre moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Bonne Terre, MO by cost, housing, population and region.

Frequently Asked Questions: Garrett, IN vs Bonne Terre, MO

How do the cost estimates for Garrett, IN and Bonne Terre, MO compare?

Bonne Terre, MO has a modeled overall cost index 4.8% higher than Garrett, IN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Garrett, IN, the model estimates $152,747 in Bonne Terre, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Garrett, IN and Bonne Terre, MO?

The modeled two-bedroom rents are $980/month in Garrett, IN and $990/month in Bonne Terre, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Indiana and Missouri on TaxTakeHome.com

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