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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

$
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You'd spend $603/month more in Jacksonville, FL

$150.0K in your current city equals $157.2K in Jacksonville, FL

Rent data from HUD ZIP-level estimates ยท COL index from Indianapolis-Carmel-Anderson, IN area
Overall Cost
โ†‘ 8.0%
More expensive
Monthly Impact
$603
Extra cost
Annual Impact
$7.2K
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

Jacksonville, FL

Population:950K
Cost Index:
108
(8% above avg)
Median Home:$289K

Indianapolis, IN

The Hoosier State

888K
Population
State Tax
Yes

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

Jacksonville, FL

The Sunshine State

950K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 950K residents.

๐Ÿ’ก Advantage: Florida has no state income tax!

Cost Breakdown by Category

Annual spending: Indianapolis, IN vs Jacksonville, FL

Housing
โ†‘ 13.3%
Indianapolis, IN
$1,949
Jacksonville, FL
$2,209
Difference
$260
more
Groceries
โ†‘ 10.9%
Indianapolis, IN
$919
Jacksonville, FL
$1,019
Difference
$99.93
more
Transportation
โ†‘ 8.0%
Indianapolis, IN
$1,188
Jacksonville, FL
$1,284
Difference
$95.62
more
All Utilities
โ†‘ 14.1%
Indianapolis, IN
$503
Jacksonville, FL
$574
Difference
$71.03
more
Other
โ†‘ 2.1%
Indianapolis, IN
$1,590
Jacksonville, FL
$1,624
Difference
$33.48
more
Healthcare
โ†“ 2.1%
Indianapolis, IN
$582
Jacksonville, FL
$570
Difference
$12.39
less

๐Ÿ›๏ธ Local Income Taxes

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

Jacksonville, FL has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$1,030
To$1,250
โ†‘ $220
1 Bed
From$1,170
To$1,270
โ†‘ $100
2 Bed
From$1,360
To$1,530
โ†‘ $170
3 Bed
From$1,760
To$1,890
โ†‘ $130
Indianapolis, INZIP-level data

1BR range: $1,080โ€“$1,870/mo

Jacksonville, FLZIP-level data

1BR range: $960โ€“$2,070/mo

๐Ÿ’ก 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
$7,280
Monthly in Jacksonville, FL
$548
Difference

Home Values

Indianapolis
Jacksonville
$176K
Median Value
$289K
โ†“ -1.1%
YoY Change
โ†“ -3.7%
โ†‘ +26.9%
5-Year Change
โ†‘ +31.6%
$109K - $340K
Price Range
$102K - $535K

Homes in Jacksonville are 64% more expensive than Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $4.8K
Per year
Monthly Difference
$404
More take-home
Effective Rate Diff
3.2%
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

Jacksonville, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

Jacksonville, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

๐Ÿ’ก 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
Jacksonville
54 Moderate
Air Quality
50 Good
36.6%
Good Air Days
51.9%
97 High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒ…๐ŸŒ€
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.3ยฐF
18 days
Heat Days >95ยฐF
36 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.3ยฐF
18 days
Heat Days >95ยฐF
36 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Indiana and Florida on TaxTakeHome.com

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