Average Utility Costs in Mishawaka, IN

Estimated monthly utility costs (1,000 kWh + 5,000 gal)

Average monthly utility costs in Mishawaka, IN are about $257.89, based on 1,000 kWh of electricity and 5,000 gallons of water, plus sewer and trash fees. See the full breakdown and sources below.

Total estimated monthly utilities

$257.89

Data freshness: last verified 2026-08-15
  • Electric $120.90 (47%)
  • Water $40.26 (16%)
  • Sewer $75.04 (29%)
  • Trash $21.69 (8%)

Utilities here are about 5% lower than the Indiana city average, driven mainly by electric rates.

  • In Indiana, heating and cooling often makes electric the largest share of the bill.
  • City-provided trash is billed at a monthly fee ($21.69 in our estimate).

Electric

Confirmed
Provider
Mishawaka Utilities (Electric)
Base charge
$6.25/mo
Energy rate
$0.1147/kWh
Assumed usage
1000 kWh
Estimated monthly
$120.90
mishawaka.in.gov· verified 2026-08-15

Municipal Mishawaka Utilities Electric; phased 3.75%/yr increases through 2030 under Ord. 5889.

Water

Confirmed
Provider
Mishawaka Utilities (Water Department)
Base charge
$18.56/mo
Volumetric rate
$4.34/1,000 gal
Assumed usage
5,000 gal
Estimated monthly
$40.26
mishawaka.in.gov· verified 2026-08-15

Sewer

Confirmed
Method
tiered
Estimated monthly
$75.04

Tiered structure simplified to a representative monthly estimate at assumed usage.

mishawaka.in.gov· verified 2026-08-15

Trash

Confirmed
Monthly fee
$21.69

Residential trash/recycling $21.69/mo ($17.55 senior 65+). Billed on Mishawaka Utilities bill; WM contract effective Jan 2026.

mishawaka.in.gov· verified 2026-08-15

Check Internet pricing & availability in Mishawaka

Internet service varies widely—many providers, different plans, introductory offers, and bundles make it hard to compare apples to apples. That's why we don't estimate internet on this page like we do for electric, water, sewer, and trash. Use our tool to compare providers for your address or ZIP code.

Total estimated monthly utilities

$257.89

What changes your bill most?

  • Electric is about 47% of your estimated utilities here.
  • Every 100 kWh changes your total by about $11.47.
  • Each additional 1,000 gallons of water adds about $7.18 to your water and sewer bills combined (water ~$4.34 + wastewater ~$2.84).

Assumptions

  • Electric: 1000 kWh/month
  • Water: 5,000 gallons/month

What these labels mean

  • Confirmed — From this area's rate schedule.
  • Benchmark — From an official typical (e.g. state commission 1,000 kWh); not city-specific.
  • Delivery only — Regulated delivery charges only (e.g. Texas); supply varies by plan.
  • Estimated — From other or incomplete sources; use as a rough guide.
Sources

Wondering if solar makes sense for you? Try our solar payback calculator to find out.

Nearby Cities Utility Costs

Other cities in St. Joseph County. Click a city for full breakdowns.

CityEst. total/mo
Mishawaka (this)$257.89
South Bend$210.18

More in Indiana

Indiana utility costsSt. Joseph CountyElectric providers in Indiana

FAQ

In Mishawaka, sewer is billed in tiers based on usage, so the rate per gallon changes with volume. Our estimate uses the rate structure from Mishawaka Utilities – Wastewater Phase I (eff. Jan 1, 2026) at the assumed 5,000 gallons per month. Your bill will vary with actual usage.
Trash in Mishawaka is provided by the city as part of municipal utilities and is billed at a monthly fee. Rates and services are set by the local government; our estimate uses the fee from City of Mishawaka – WM Trash & Recycling Q&A.
We use base charges and per-unit rates from official provider pages. Electric = base + (rate × assumed kWh). Water = base + (rate per 1,000 gal × assumed gallons / 1,000). Sewer is either a flat fee or a percentage of water. Trash is a fixed monthly fee. See the Methodology page for full formulas.
Actual bills depend on your usage, seasonal rates, taxes, fees, and provider-specific rules. Indiana is a regulated electric state; our estimates use the serving utility's tariff at 1,000 kWh for comparison.
Each component shows a 'last verified' date. We aim to update from official sources periodically; always confirm current rates on the provider's site before making decisions.

Learn more

For tips on understanding your bill, comparing cities, and how electric and utility rates work by state, see our blog. Compare Mishawaka with another city side-by-side, or see how we calculate estimates.