Is Indianapolis, IN cheaper than Decatur, IL?

Based on cost of living data, Indianapolis, IN is 4.4% cheaper than Decatur, IL. This translates to saving $331 per month.

What salary do I need in Indianapolis, IN to live like I do in Decatur, IL?

If you earn $150,000 in Decatur, IL, you'd need approximately $146,025.419 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Decatur, IL and Indianapolis, IN?

Housing in Indianapolis, IN is 0.4% cheaper than in Decatur, IL. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,088/month in Decatur, IL.

How much can I save per month by moving from Decatur, IL to Indianapolis, IN?

Moving from Decatur, IL to Indianapolis, IN could save you approximately $331 per month, or $3975 per year, based on a $150,000 salary.

Decatur, IL vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Decatur, IL — ZIP-level rent data · COL adjusted from St. Louis, MO area

Current salary in Decatur, IL

Numbers update automatically as you type

You'd save $331/month moving to Indianapolis, IN

$150.0K in your current city equals $146.0K in Indianapolis, IN

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

Overall Cost

↓ 4.4%

Less expensive

Monthly Impact

$331

Savings

Annual Impact

$4.0K

Per year

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

Decatur, IL

Population:69K

Cost Index:100

Median Home:$99K

Indianapolis, IN

Population:888K

Cost Index:96

Median Home:$176K

Decatur, IL

The Prairie State

69K

Population

State Tax

Yes

Located in Illinois, this city has a population of 69K 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: Decatur, IL vs Indianapolis, IN

Category	Decatur, IL	Indianapolis, IN	Difference	Change
📦Other	$1,681/mo	$1,590/mo	↓ $90.99less	5.4%
🚗Transportation	$1,272/mo	$1,188/mo	↓ $83.49less	6.6%
🛒Groceries	$971/mo	$919/mo	↓ $51.66less	5.3%
⚡All Utilities	$548/mo	$503/mo	↓ $45.02less	8.2%
🏥Healthcare	$539/mo	$582/mo	↑ $43.73more	8.1%
🏠Housing	$1,958/mo	$1,949/mo	↓ $8.49less	0.4%

📦Other

↓ 5.4%

Decatur, IL

$1,681

Indianapolis, IN

$1,590

Difference

$90.99

less

🚗Transportation

↓ 6.6%

Decatur, IL

$1,272

Indianapolis, IN

$1,188

Difference

$83.49

less

🛒Groceries

↓ 5.3%

Decatur, IL

$971

Indianapolis, IN

$919

Difference

$51.66

less

⚡All Utilities

↓ 8.2%

Decatur, IL

$548

Indianapolis, IN

$503

Difference

$45.02

less

🏥Healthcare

↑ 8.1%

Decatur, IL

$539

Indianapolis, IN

$582

Difference

$43.73

🏠Housing

↓ 0.4%

Decatur, IL

$1,958

Indianapolis, IN

$1,949

Difference

$8.49

less

🏛️ Local Income Taxes

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

Decatur, 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$858

To$1,030

↑ $172

1 Bed

From$868

To$1,170

↑ $302

2 Bed

From$1,088

To$1,360

↑ $272

3 Bed

From$1,412

To$1,760

↑ $348

Decatur, ILZIP-level data

1BR range: $730–$910/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.

$6,968

Monthly in Decatur, IL

$6,732

Monthly in Indianapolis, IN

$236

Difference

Home Values

Decatur

Indianapolis

$99K

Median Value

$176K

↑ +8.9%

YoY Change

↓ -1.1%

↑ +33.5%

5-Year Change

↑ +26.9%

$84K - $114K

Price Range

$109K - $340K

Homes in Indianapolis are 77% more expensive than Decatur

Calculate payment - Decatur Calculate payment - Indianapolis

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

Decatur, 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

Decatur, 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.