Is Indianapolis, IN cheaper than Fort Collins, CO?

Based on cost of living data, Indianapolis, IN is 15.1% cheaper than Fort Collins, CO. This translates to saving $1130 per month.

What salary do I need in Indianapolis, IN to live like I do in Fort Collins, CO?

If you earn $150,000 in Fort Collins, CO, you'd need approximately $136,445.478 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Fort Collins, CO and Indianapolis, IN?

Housing in Indianapolis, IN is 28.4% cheaper than in Fort Collins, CO. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,302/month in Fort Collins, CO.

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

Moving from Fort Collins, CO to Indianapolis, IN could save you approximately $1130 per month, or $13555 per year, based on a $150,000 salary.

Fort Collins, CO vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Fort Collins, CO — ZIP-level rent data · COL adjusted from Denver, CO area

Current salary in Fort Collins, CO

Numbers update automatically as you type

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

$150.0K in your current city equals $136.4K in Indianapolis, IN

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

Overall Cost

↓ 15.1%

Less expensive

Monthly Impact

$1,130

Savings

Annual Impact

$13.6K

Per year

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

Fort Collins, CO

Population:170K

Cost Index:100

Median Home:$542K

Indianapolis, IN

Population:888K

Cost Index:85

Median Home:$176K

Fort Collins, CO

The Centennial State

170K

Population

State Tax

Yes

Located in Colorado, this city has a population of 170K 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: Fort Collins, CO vs Indianapolis, IN

Category	Fort Collins, CO	Indianapolis, IN	Difference	Change
🏠Housing	$2,722/mo	$1,949/mo	↓ $773less	28.4%
🚗Transportation	$1,361/mo	$1,188/mo	↓ $173less	12.7%
🛒Groceries	$993/mo	$919/mo	↓ $73.85less	7.4%
📦Other	$1,652/mo	$1,590/mo	↓ $61.96less	3.8%
🏥Healthcare	$610/mo	$582/mo	↓ $27.42less	4.5%
⚡All Utilities	$501/mo	$503/mo	↑ $1.80more	0.4%

🏠Housing

↓ 28.4%

Fort Collins, CO

$2,722

Indianapolis, IN

$1,949

Difference

$773

less

🚗Transportation

↓ 12.7%

Fort Collins, CO

$1,361

Indianapolis, IN

$1,188

Difference

$173

less

🛒Groceries

↓ 7.4%

Fort Collins, CO

$993

Indianapolis, IN

$919

Difference

$73.85

less

📦Other

↓ 3.8%

Fort Collins, CO

$1,652

Indianapolis, IN

$1,590

Difference

$61.96

less

🏥Healthcare

↓ 4.5%

Fort Collins, CO

$610

Indianapolis, IN

$582

Difference

$27.42

less

⚡All Utilities

↑ 0.4%

Fort Collins, CO

$501

Indianapolis, IN

$503

Difference

$1.80

🏛️ Local Income Taxes

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

Fort Collins, 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$1,136

To$1,030

↓ $106

1 Bed

From$1,152

To$1,170

↑ $18.00

2 Bed

From$1,302

To$1,360

↑ $58.00

3 Bed

From$1,797

To$1,760

↓ $37.00

Fort Collins, COZIP-level data

1BR range: $1,400–$1,690/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.

$7,839

Monthly in Fort Collins, CO

$6,732

Monthly in Indianapolis, IN

$1,107

Difference

Home Values

Fort Collins

Indianapolis

$542K

Median Value

$176K

↓ -1.3%

YoY Change

↓ -1.1%

↑ +23.2%

5-Year Change

↑ +26.9%

$509K - $574K

Price Range

$109K - $340K

Homes in Indianapolis are 68% less expensive than Fort Collins

Calculate payment - Fort Collins 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

Fort Collins, 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

Fort Collins, 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.