Muncie, IN at a glance
Median household income
$44,471$3,706 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Muncie, IN?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Muncie, IN? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Muncie, IN MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $803 | $9,636 | $32,120 | 21.7% |
| 1-Bedroom Apartment | $845 | $10,140 | $33,800 | 22.8% |
| 2-Bedroom ApartmentBenchmark | $1,043 | $12,516 | $41,720 | 28.1% |
| 3-Bedroom Home | $1,349 | $16,188 | $53,960 | 36.4% |
| 4-Bedroom Home | $1,685 | $20,220 | $67,400 | 45.5% |
What a typical income covers in Muncie, IN
The 50/30/20 rule applied to the local median of $44,471 a year ($3,706 a month before tax).
What $44,471 leaves after Indiana taxes
Federal income tax, Social Security, Medicare and Indiana tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Indiana
Living in Muncie, IN: common questions
What is the median household income in Muncie, IN?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Muncie, IN is $44,471 per year (approximately $3,706 per month).
What is the average rent in Muncie, IN?
The closest official figure is HUD's Fair Market Rent for 2026: $803 for a studio, $845 for one bedroom, $1,043 for two, $1,349 for three and $1,685 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Muncie, IN expensive to live in?
Prices there run 11.9% below the U.S. average. BEA's regional price parity for the metro area is 88.1, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Muncie, IN?
To keep a $1,043 two-bedroom under 30% of gross income, a household needs about $41,720 a year, or $3,477 a month. That is 94% of what the typical household in Muncie, IN earns.
How much do you need to live comfortably in Muncie, IN?
On the local median income of $44,471 ($3,706 a month before tax), the 50/30/20 rule leaves $1,853 a month for needs like rent, utilities and groceries, $1,112 for everything else and $741 for savings or debt. A two-bedroom at $1,043 takes 56% of the needs share.
How much is the electric bill in Muncie, IN?
Homes in Indiana paid 17.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $158. Your bill depends mostly on heating and cooling.