Is Indianapolis, IN cheaper than Commerce City, CO?

Based on cost of living data, Indianapolis, IN is 16.7% cheaper than Commerce City, CO. This translates to saving $1249 per month.

What salary do I need in Indianapolis, IN to live like I do in Commerce City, CO?

If you earn $150,000 in Commerce City, CO, you'd need approximately $135,009.367 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Commerce City, CO and Indianapolis, IN?

Housing in Indianapolis, IN is 29.7% cheaper than in Commerce City, CO. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,557/month in Commerce City, CO.

How much can I save per month by moving from Commerce City, CO to Indianapolis, IN?

Moving from Commerce City, CO to Indianapolis, IN could save you approximately $1249 per month, or $14991 per year, based on a $150,000 salary.

Commerce City, CO vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Commerce City, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Commerce City, CO

Numbers update automatically as you type

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

$150.0K in your current city equals $135.0K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Denver-Aurora-Lakewood, CO area

Overall Cost

↓ 16.7%

Less expensive

Monthly Impact

$1,249

Savings

Annual Impact

$15.0K

Per year

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

Commerce City, CO

Population:68K

Cost Index:100

Median Home:$470K

Indianapolis, IN

Population:888K

Cost Index:83

Median Home:$176K

Commerce City, CO

The Centennial State

68K

Population

State Tax

Yes

Located in Colorado, this city has a population of 68K 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: Commerce City, CO vs Indianapolis, IN

Category	Commerce City, CO	Indianapolis, IN	Difference	Change
🏠Housing	$2,774/mo	$1,949/mo	↓ $825less	29.7%
🚗Transportation	$1,387/mo	$1,188/mo	↓ $199less	14.3%
📦Other	$1,684/mo	$1,590/mo	↓ $93.60less	5.6%
🛒Groceries	$1,003/mo	$919/mo	↓ $83.31less	8.3%
🏥Healthcare	$616/mo	$582/mo	↓ $33.23less	5.4%
⚡All Utilities	$506/mo	$503/mo	↓ $2.97less	0.6%

🏠Housing

↓ 29.7%

Commerce City, CO

$2,774

Indianapolis, IN

$1,949

Difference

$825

less

🚗Transportation

↓ 14.3%

Commerce City, CO

$1,387

Indianapolis, IN

$1,188

Difference

$199

less

📦Other

↓ 5.6%

Commerce City, CO

$1,684

Indianapolis, IN

$1,590

Difference

$93.60

less

🛒Groceries

↓ 8.3%

Commerce City, CO

$1,003

Indianapolis, IN

$919

Difference

$83.31

less

🏥Healthcare

↓ 5.4%

Commerce City, CO

$616

Indianapolis, IN

$582

Difference

$33.23

less

⚡All Utilities

↓ 0.6%

Commerce City, CO

$506

Indianapolis, IN

$503

Difference

$2.97

less

🏛️ Local Income Taxes

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

Commerce City, CO 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$1,194

To$1,030

↓ $164

1 Bed

From$1,307

To$1,170

↓ $137

2 Bed

From$1,557

To$1,360

↓ $197

3 Bed

From$2,033

To$1,760

↓ $273

Commerce City, COZIP-level data

1BR range: $1,620–$1,620/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.

$7,969

Monthly in Commerce City, CO

$6,732

Monthly in Indianapolis, IN

$1,237

Difference

Home Values

Commerce City

Indianapolis

$470K

Median Value

$176K

↓ -4.3%

YoY Change

↓ -1.1%

↑ +18.2%

5-Year Change

↑ +26.9%

$470K

Price Range

$109K - $340K

Homes in Indianapolis are 63% less expensive than Commerce City

Calculate payment - Commerce City Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.8K

Per year

Monthly Difference

$146

More take-home

Effective Rate Diff

1.2%

Rate difference

Commerce City, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

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

Commerce City, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

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.