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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $950/month moving to Indianapolis, IN

$150.0K in your current city equals $138.6K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Chicago-Naperville-Elgin, IL-IN-WI area
Overall Cost
12.7%
Less expensive
Monthly Impact
$950
Savings
Annual Impact
$11.4K
Per year

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

Bolingbrook, IL

Population:74K
Cost Index:
100
100 = national average
Median Home:$317K

Indianapolis, IN

Population:888K
Cost Index:
87
(13% below avg)
Median Home:$176K

Bolingbrook, IL

The Prairie State

74K
Population
State Tax
Yes

Located in Illinois, this city has a population of 74K 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: Bolingbrook, IL vs Indianapolis, IN

Housing
23.4%
Bolingbrook, IL
$2,543
Indianapolis, IN
$1,949
Difference
$594
less
Transportation
23.2%
Bolingbrook, IL
$1,548
Indianapolis, IN
$1,188
Difference
$360
less
Groceries
7.0%
Bolingbrook, IL
$988
Indianapolis, IN
$919
Difference
$68.72
less
Other
1.8%
Bolingbrook, IL
$1,620
Indianapolis, IN
$1,590
Difference
$29.51
less
Healthcare
2.0%
Bolingbrook, IL
$571
Indianapolis, IN
$582
Difference
$11.42
more
All Utilities
0.9%
Bolingbrook, IL
$498
Indianapolis, IN
$503
Difference
$4.39
more

🏛️ Local Income Taxes

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

Bolingbrook, IL 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$1,339
To$1,030
$309
1 Bed
From$1,433
To$1,170
$263
2 Bed
From$1,614
To$1,360
$254
3 Bed
From$2,076
To$1,760
$316
Bolingbrook, ILZIP-level data

1BR range: $1,830$1,830/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.

$7,769
Monthly in Bolingbrook, IL
$6,732
Monthly in Indianapolis, IN
$1,037
Difference

Home Values

Bolingbrook
Indianapolis
$317K
Median Value
$176K
↑ +3.3%
YoY Change
↓ -1.1%
↑ +37.7%
5-Year Change
↑ +26.9%
$317K
Price Range
$109K - $340K

Homes in Indianapolis are 44% less expensive than Bolingbrook

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$2.6K
Per year
Monthly Difference
$215
More take-home
Effective Rate Diff
1.7%
Rate difference

Bolingbrook, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

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

Bolingbrook, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

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.

Environment

Bolingbrook
Indianapolis
54 Moderate
Air Quality
54 Moderate
35.8%
Good Air Days
36.6%
100 Very High
Climate Risk
97 High
🌊🌡🫨
Top Hazards
🌊🌡🌪
+3.2°F
2050 Outlook
+3.1°F
18 days
Heat Days >95°F
18 days
+3.2°F
2050 Outlook
+3.1°F
18 days
Heat Days >95°F
18 days

What to Consider When Moving from Bolingbrook, IL to Indianapolis, IN

Relocating from Bolingbrook, IL to Indianapolis, IN involves more than just comparing rent prices. While the overall cost of living is about 13% lower in Indianapolis, IN, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Indianapolis, IN is 23% cheaper than in Bolingbrook, IL. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Indianapolis, IN pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Indianapolis, IN to match your current standard of living in Bolingbrook, IL.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Indianapolis, IN for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Bolingbrook, IL vs Indianapolis, IN

Is Indianapolis, IN cheaper than Bolingbrook, IL?

Yes, Indianapolis, IN is about 12.7% cheaper than Bolingbrook, IL. You could save approximately $950/month on a $150,000 salary. Housing costs are 23% lower in Indianapolis, IN.

What salary do I need in Indianapolis, IN to match my lifestyle in Bolingbrook, IL?

If you currently earn $150,000 in Bolingbrook, IL, you would need approximately $138,599 in Indianapolis, IN to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Bolingbrook, IL and Indianapolis, IN?

A two-bedroom apartment averages $1,614/month in Bolingbrook, IL compared to $1,360/month in Indianapolis, IN. One-bedroom apartments are $1,433/month in Bolingbrook, IL vs $1,170/month in Indianapolis, IN. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Bolingbrook, IL or Indianapolis, IN?

Groceries are about 7% cheaper in Indianapolis, IN than in Bolingbrook, IL, saving a typical household roughly $68.72/month on food.

What is the best time to move from Bolingbrook, IL to Indianapolis, IN?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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

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