Is Indianapolis, IN cheaper than Bend, OR?

Based on cost of living data, Indianapolis, IN is 14.1% cheaper than Bend, OR. This translates to saving $1054 per month.

What salary do I need in Indianapolis, IN to live like I do in Bend, OR?

If you earn $150,000 in Bend, OR, you'd need approximately $137,347.348 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Bend, OR and Indianapolis, IN?

Housing in Indianapolis, IN is 40.9% cheaper than in Bend, OR. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,225/month in Bend, OR.

How much can I save per month by moving from Bend, OR to Indianapolis, IN?

Moving from Bend, OR to Indianapolis, IN could save you approximately $1054 per month, or $12653 per year, based on a $150,000 salary.

Bend, OR vs Indianapolis, IN: Cost of Living Comparison 2026

MoveNumbers

Tap to swap

Cost of Living Comparison 2026

📍 Bend, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Bend, OR

Numbers update automatically as you type

You'd save $1.1K/month moving to Indianapolis, IN

$150.0K in your current city equals $137.3K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 14.1%

Less expensive

Monthly Impact

$1,054

Savings

Annual Impact

$12.7K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Bend, OR

Population:105K

Cost Index:100

Median Home:$634K

Indianapolis, IN

Population:888K

Cost Index:86

Median Home:$176K

Bend, OR

The Beaver State

105K

Population

State Tax

Yes

Located in Oregon, this city has a population of 105K residents.

Indianapolis, IN

The Hoosier State

888K

Population

State Tax

Yes

Located in Indiana, this city has a population of 888K residents.

Cost Breakdown by Category

Annual spending: Bend, OR vs Indianapolis, IN

Category	Bend, OR	Indianapolis, IN	Difference	Change
🏠Housing	$3,297/mo	$1,949/mo	↓ $1,347less	40.9%
🚗Transportation	$1,340/mo	$1,188/mo	↓ $152less	11.3%
📦Other	$1,499/mo	$1,590/mo	↑ $91.22more	6.1%
⚡All Utilities	$419/mo	$503/mo	↑ $83.21more	19.8%
🛒Groceries	$944/mo	$919/mo	↓ $24.20less	2.6%
🏥Healthcare	$585/mo	$582/mo	↓ $2.61less	0.4%

🏠Housing

↓ 40.9%

Bend, OR

$3,297

Indianapolis, IN

$1,949

Difference

$1,347

less

🚗Transportation

↓ 11.3%

Bend, OR

$1,340

Indianapolis, IN

$1,188

Difference

$152

less

📦Other

↑ 6.1%

Bend, OR

$1,499

Indianapolis, IN

$1,590

Difference

$91.22

⚡All Utilities

↑ 19.8%

Bend, OR

$419

Indianapolis, IN

$503

Difference

$83.21

🛒Groceries

↓ 2.6%

Bend, OR

$944

Indianapolis, IN

$919

Difference

$24.20

less

🏥Healthcare

↓ 0.4%

Bend, OR

$585

Indianapolis, IN

$582

Difference

$2.61

less

🏛️ Local Income Taxes

Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)

Bend, OR has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$937

To$1,030

↑ $93.00

1 Bed

From$943

To$1,170

↑ $227

2 Bed

From$1,225

To$1,360

↑ $135

3 Bed

From$1,704

To$1,760

↑ $56.00

Bend, ORZIP-level data

1BR range: $1,380–$1,470/mo

Indianapolis, INZIP-level data

1BR range: $1,080–$1,870/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,084

Monthly in Bend, OR

$6,732

Monthly in Indianapolis, IN

$1,352

Difference

Home Values

Bend

Indianapolis

$634K

Median Value

$176K

↓ -3.3%

YoY Change

↓ -1.1%

↑ +30.9%

5-Year Change

↑ +26.9%

$599K - $668K

Price Range

$109K - $340K

Homes in Indianapolis are 72% less expensive than Bend

Calculate payment - Bend Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.7K

Per year

Monthly Difference

$889

More take-home

Effective Rate Diff

7.1%

Rate difference

Bend, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Indianapolis, 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

Additional Tax Information

Bend, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

Indianapolis, IN Tax Rates

Sales Tax:7.0%

Property Tax:0.9%

💡 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.