Is Indianapolis, IN cheaper than Carrollton, TX?

Based on cost of living data, Indianapolis, IN is 16.5% cheaper than Carrollton, TX. This translates to saving $1240 per month.

What salary do I need in Indianapolis, IN to live like I do in Carrollton, TX?

If you earn $150,000 in Carrollton, TX, you'd need approximately $135,114.881 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Carrollton, TX and Indianapolis, IN?

Housing in Indianapolis, IN is 16.9% cheaper than in Carrollton, TX. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,680/month in Carrollton, TX.

How much can I save per month by moving from Carrollton, TX to Indianapolis, IN?

Moving from Carrollton, TX to Indianapolis, IN could save you approximately $1240 per month, or $14885 per year, based on a $150,000 salary.

Carrollton, TX vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Carrollton, TX — ZIP-level rent data · COL adjusted from Plano, TX area

Current salary in Carrollton, TX

Numbers update automatically as you type

You'd save $1.2K/month moving to Indianapolis, IN

$150.0K in your current city equals $135.1K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Dallas-Fort Worth-Arlington, TX area

Overall Cost

↓ 16.5%

Less expensive

Monthly Impact

$1,240

Savings

Annual Impact

$14.9K

Per year

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

Carrollton, TX

Population:133K

Cost Index:100

Median Home:$389K

Indianapolis, IN

Population:888K

Cost Index:83

Median Home:$176K

Carrollton, TX

The Lone Star State

133K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 133K residents.

💡 Advantage: Texas has no state income tax!

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: Carrollton, TX vs Indianapolis, IN

Category	Carrollton, TX	Indianapolis, IN	Difference	Change
🏠Housing	$2,346/mo	$1,949/mo	↓ $397less	16.9%
📦Other	$1,893/mo	$1,590/mo	↓ $303less	16.0%
🚗Transportation	$1,276/mo	$1,188/mo	↓ $87.74less	6.9%
⚡All Utilities	$558/mo	$503/mo	↓ $55.41less	9.9%
🛒Groceries	$971/mo	$919/mo	↓ $51.79less	5.3%
🏥Healthcare	$627/mo	$582/mo	↓ $44.30less	7.1%

🏠Housing

↓ 16.9%

Carrollton, TX

$2,346

Indianapolis, IN

$1,949

Difference

$397

less

📦Other

↓ 16.0%

Carrollton, TX

$1,893

Indianapolis, IN

$1,590

Difference

$303

less

🚗Transportation

↓ 6.9%

Carrollton, TX

$1,276

Indianapolis, IN

$1,188

Difference

$87.74

less

⚡All Utilities

↓ 9.9%

Carrollton, TX

$558

Indianapolis, IN

$503

Difference

$55.41

less

🛒Groceries

↓ 5.3%

Carrollton, TX

$971

Indianapolis, IN

$919

Difference

$51.79

less

🏥Healthcare

↓ 7.1%

Carrollton, TX

$627

Indianapolis, IN

$582

Difference

$44.30

less

🏛️ Local Income Taxes

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

Carrollton, TX 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$1,379

To$1,030

↓ $349

1 Bed

From$1,438

To$1,170

↓ $268

2 Bed

From$1,680

To$1,360

↓ $320

3 Bed

From$2,115

To$1,760

↓ $355

Carrollton, TXZIP-level data

1BR range: $1,700–$1,890/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.

$7,671

Monthly in Carrollton, TX

$6,732

Monthly in Indianapolis, IN

$939

Difference

Home Values

Carrollton

Indianapolis

$389K

Median Value

$176K

↓ -4.7%

YoY Change

↓ -1.1%

↑ +29.5%

5-Year Change

↑ +26.9%

$337K - $515K

Price Range

$109K - $340K

Homes in Indianapolis are 55% less expensive than Carrollton

Calculate payment - Carrollton Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $4.8K

More taxes

Monthly Difference

$404

Less take-home

Effective Rate Diff

3.2%

Rate difference

Carrollton, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

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

Carrollton, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.