Fort Wayne vs Irving
Cost of Living Comparison · 2026
Fort Wayne
Irving
The Verdict
Fort Wayne is 18.0% less expensive than Irving overall. A household earning $75,000 in Fort Wayne would need approximately $91,463 in Irving to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fort Wayne has the same purchasing power as $91,463 in Irving.
Conversely, $75,000 in Irving equals $61,500 in Fort Wayne.
Living in Fort Wayne vs Irving
Housing Costs
Fort Wayne's housing index of 57 is lower Irving's 94, translating to median home prices of $195,000 vs $318,000. The $123,000 difference in home prices means roughly $7,992 per year in additional mortgage costs at current rates. Renters face a similar gap: $950/mo in Fort Wayne compared to $1,350/mo in Irving, a monthly difference of $400.
Grocery & Food Costs
Grocery expenses index at 99 in Fort Wayne and 99 in Irving. A household spending the national average of $475/month on groceries would pay approximately $470/month in Fort Wayne vs $470/month in Irving. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Fort Wayne and 111 in Irving. Monthly utility bills average approximately $372 in Fort Wayne vs $444 in Irving. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 96 in Fort Wayne and 103 in Irving. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $54,600 in Fort Wayne and $73,400 in Irving. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $66,585 and $73,400 respectively. Irving residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,274/month to housing in Fort Wayne vs $1,713/month in Irving. In Fort Wayne, median rent of $950/mo fits within this budget. In Irving, median rent of $1,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 37 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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