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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $431/month moving to Cleveland, OH

$150.0K in your current city equals $144.8K in Cleveland, OH

Rent data from HUD ZIP-level estimates · COL index from Indianapolis-Carmel-Anderson, IN area
Overall Cost
↓ 5.7%
Less expensive
Monthly Impact
$431
Savings
Annual Impact
$5.2K
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

Cleveland, OH

Population:384K
Cost Index:
94
(6% below avg)
Median Home:$128K

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

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

Cleveland, OH

The Buckeye State

384K
Population
State Tax
Yes

Located in Ohio, this city has a population of 384K residents.

Cost Breakdown by Category

Annual spending: Indianapolis, IN vs Cleveland, OH

Housing
↓ 14.7%
Indianapolis, IN
$1,949
Cleveland, OH
$1,663
Difference
$286
less
Transportation
↑ 14.9%
Indianapolis, IN
$1,188
Cleveland, OH
$1,366
Difference
$178
more
Healthcare
↓ 9.6%
Indianapolis, IN
$582
Cleveland, OH
$527
Difference
$55.76
less
Groceries
↑ 5.4%
Indianapolis, IN
$919
Cleveland, OH
$969
Difference
$49.96
more
All Utilities
↓ 7.6%
Indianapolis, IN
$503
Cleveland, OH
$464
Difference
$38.25
less
Other
↓ 2.1%
Indianapolis, IN
$1,590
Cleveland, OH
$1,557
Difference
$33.48
less

🏛️ Local Income Taxes

Indianapolis, IN: Marion County Income Tax$3,030/yr (2.0%)
Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)
Net difference+$720/yr

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

🏠Rent Comparison

Studio
From$1,030
To$860
↓ $170
1 Bed
From$1,170
To$980
↓ $190
2 Bed
From$1,360
To$1,180
↓ $180
3 Bed
From$1,760
To$1,520
↓ $240
Indianapolis, INZIP-level data

1BR range: $1,080–$1,870/mo

Cleveland, OHZIP-level data

1BR range: $810–$1,590/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
$6,546
Monthly in Cleveland, OH
$186
Difference

Home Values

Indianapolis
Cleveland
$176K
Median Value
$128K
↓ -1.1%
YoY Change
↓ -2.1%
↑ +26.9%
5-Year Change
↑ +21.7%
$109K - $340K
Price Range
$59K - $291K

Homes in Cleveland are 27% less expensive than Indianapolis

Calculate payment - IndianapolisCalculate payment - Cleveland

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

Cleveland, 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%

Cleveland, 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
Cleveland
54 Moderate
Air Quality
54 Moderate
36.6%
Good Air Days
37.2%
97 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+3.3°F
18 days
Heat Days >95°F
11 days
▲+3.1°F
2050 Outlook
▲+3.3°F
18 days
Heat Days >95°F
11 days

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

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