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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $172/month more in Cincinnati, OH

$150.0K in your current city equals $152.1K in Cincinnati, OH

Rent data from HUD ZIP-level estimates · COL index from Indianapolis-Carmel-Anderson, IN area
Overall Cost
↑ 2.3%
More expensive
Monthly Impact
$172
Extra cost
Annual Impact
$2.1K
Per year

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

Indianapolis, IN

Population:888K
Cost Index:
100
100 = national average
Median Home:$176K

Cincinnati, OH

Population:309K
Cost Index:
102
(2% above avg)
Median Home:$225K

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

Located in Indiana, this city has a population of 888K residents.

Cincinnati, OH

The Buckeye State

309K
Population
State Tax
Yes

Located in Ohio, this city has a population of 309K residents.

Cost Breakdown by Category

Annual spending: Indianapolis, IN vs Cincinnati, OH

Housing
↑ 6.7%
Indianapolis, IN
$1,949
Cincinnati, OH
$2,079
Difference
$130
more
All Utilities
↓ 7.6%
Indianapolis, IN
$503
Cincinnati, OH
$464
Difference
$38.25
less
Transportation
↑ 2.3%
Indianapolis, IN
$1,188
Cincinnati, OH
$1,216
Difference
$27.32
more
Healthcare
↓ 3.2%
Indianapolis, IN
$582
Cincinnati, OH
$564
Difference
$18.59
less
Other
↑ 1.1%
Indianapolis, IN
$1,590
Cincinnati, OH
$1,607
Difference
$16.74
more
Groceries
→ 0.0%
Indianapolis, IN
$919
Cincinnati, OH
$919
Difference
$0
same

🏛️ Local Income Taxes

Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)
Cincinnati, OH: Cincinnati Earnings Tax$2,700/yr (1.8%)
Net difference-$330/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$1,030
To$850
↓ $180
1 Bed
From$1,170
To$935
↓ $235
2 Bed
From$1,360
To$1,200
↓ $160
3 Bed
From$1,760
To$1,585
↓ $175
Indianapolis, INZIP-level data

1BR range: $1,080–$1,870/mo

Cincinnati, OHZIP-level data

1BR range: $760–$1,580/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.

$6,732
Monthly in Indianapolis, IN
$6,849
Monthly in Cincinnati, OH
$117
Difference

Home Values

Indianapolis
Cincinnati
$176K
Median Value
$225K
↓ -1.1%
YoY Change
↑ +1.2%
↑ +26.9%
5-Year Change
↑ +31.9%
$109K - $340K
Price Range
$113K - $592K

Homes in Cincinnati are 28% more expensive than Indianapolis

Calculate payment - IndianapolisCalculate payment - Cincinnati

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $418
Per year
Monthly Difference
$34.81
More take-home
Effective Rate Diff
0.3%
Rate difference

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

Cincinnati, OH

Federal Income Tax
Effective: 18.9%
$25.5K
Ohio State Tax
Effective: 3.0%
$4.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 27.6%
$41.4K
Take-Home Pay
$9,047/month
$108.6K

Additional Tax Information

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

Cincinnati, OH Tax Rates

Sales Tax:7.2%
Property Tax:1.6%

💡 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

Indianapolis
Cincinnati
54 Moderate
Air Quality
52 Moderate
36.6%
Good Air Days
44.8%
97 High
Climate Risk
96 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+3.1°F
18 days
Heat Days >95°F
29 days
▲+3.1°F
2050 Outlook
▲+3.1°F
18 days
Heat Days >95°F
29 days

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

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