Is Indianapolis, IN cheaper than Lathrop, CA?

Based on cost of living data, Indianapolis, IN is 20.8% cheaper than Lathrop, CA. This translates to saving $1561 per month.

What salary do I need in Indianapolis, IN to live like I do in Lathrop, CA?

If you earn $150,000 in Lathrop, CA, you'd need approximately $131,263.72 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Lathrop, CA and Indianapolis, IN?

Housing in Indianapolis, IN is 35.4% cheaper than in Lathrop, CA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,917/month in Lathrop, CA.

How much can I save per month by moving from Lathrop, CA to Indianapolis, IN?

Moving from Lathrop, CA to Indianapolis, IN could save you approximately $1561 per month, or $18736 per year, based on a $150,000 salary.

Lathrop, CA vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Lathrop, CA — ZIP-level rent data · COL adjusted from Stockton, CA area

Current salary in Lathrop, CA

Numbers update automatically as you type

You'd save $1.6K/month moving to Indianapolis, IN

$150.0K in your current city equals $131.3K in Indianapolis, IN

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

Overall Cost

↓ 20.8%

Less expensive

Monthly Impact

$1,561

Savings

Annual Impact

$18.7K

Per year

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

Lathrop, CA

Population:40K

Cost Index:100

Median Home:$637K

Indianapolis, IN

Population:888K

Cost Index:79

Median Home:$176K

Lathrop, CA

The Golden State

40K

Population

State Tax

Yes

Located in California, this city has a population of 40K 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: Lathrop, CA vs Indianapolis, IN

Category	Lathrop, CA	Indianapolis, IN	Difference	Change
🏠Housing	$3,017/mo	$1,949/mo	↓ $1,068less	35.4%
🚗Transportation	$1,410/mo	$1,188/mo	↓ $221less	15.7%
🛒Groceries	$1,065/mo	$919/mo	↓ $145less	13.6%
🏥Healthcare	$491/mo	$582/mo	↑ $91.86more	18.7%
📦Other	$1,679/mo	$1,590/mo	↓ $89.05less	5.3%
⚡All Utilities	$518/mo	$503/mo	↓ $15.37less	3.0%

🏠Housing

↓ 35.4%

Lathrop, CA

$3,017

Indianapolis, IN

$1,949

Difference

$1,068

less

🚗Transportation

↓ 15.7%

Lathrop, CA

$1,410

Indianapolis, IN

$1,188

Difference

$221

less

🛒Groceries

↓ 13.6%

Lathrop, CA

$1,065

Indianapolis, IN

$919

Difference

$145

less

🏥Healthcare

↑ 18.7%

Lathrop, CA

$491

Indianapolis, IN

$582

Difference

$91.86

📦Other

↓ 5.3%

Lathrop, CA

$1,679

Indianapolis, IN

$1,590

Difference

$89.05

less

⚡All Utilities

↓ 3.0%

Lathrop, CA

$518

Indianapolis, IN

$503

Difference

$15.37

less

🏛️ Local Income Taxes

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

Lathrop, CA 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$1,413

To$1,030

↓ $383

1 Bed

From$1,535

To$1,170

↓ $365

2 Bed

From$1,917

To$1,360

↓ $557

3 Bed

From$2,664

To$1,760

↓ $904

Lathrop, CAZIP-level data

1BR range: $1,890–$1,890/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.

$8,179

Monthly in Lathrop, CA

$6,732

Monthly in Indianapolis, IN

$1,447

Difference

Home Values

Lathrop

Indianapolis

$637K

Median Value

$176K

↓ -4.6%

YoY Change

↓ -1.1%

↑ +25.9%

5-Year Change

↑ +26.9%

$637K

Price Range

$109K - $340K

Homes in Indianapolis are 72% less expensive than Lathrop

Calculate payment - Lathrop Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.8K

Per year

Monthly Difference

$482

More take-home

Effective Rate Diff

3.9%

Rate difference

Lathrop, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Lathrop, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.