Is Indianapolis, IN cheaper than Medford, OR?

Based on cost of living data, Indianapolis, IN is 7.5% cheaper than Medford, OR. This translates to saving $561 per month.

What salary do I need in Indianapolis, IN to live like I do in Medford, OR?

If you earn $150,000 in Medford, OR, you'd need approximately $143,272.649 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Medford, OR and Indianapolis, IN?

Housing in Indianapolis, IN is 36.3% cheaper than in Medford, OR. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $965/month in Medford, OR.

How much can I save per month by moving from Medford, OR to Indianapolis, IN?

Moving from Medford, OR to Indianapolis, IN could save you approximately $561 per month, or $6727 per year, based on a $150,000 salary.

Medford, OR vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Medford, OR — ZIP-level rent data · COL adjusted from Portland, OR area

Current salary in Medford, OR

Numbers update automatically as you type

You'd save $561/month moving to Indianapolis, IN

$150.0K in your current city equals $143.3K in Indianapolis, IN

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

Overall Cost

↓ 7.5%

Less expensive

Monthly Impact

$561

Savings

Annual Impact

$6.7K

Per year

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

Medford, OR

Population:85K

Cost Index:100

Median Home:$434K

Indianapolis, IN

Population:888K

Cost Index:93

Median Home:$176K

Medford, OR

The Beaver State

85K

Population

State Tax

Yes

Located in Oregon, this city has a population of 85K 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: Medford, OR vs Indianapolis, IN

Category	Medford, OR	Indianapolis, IN	Difference	Change
🏠Housing	$3,062/mo	$1,949/mo	↓ $1,113less	36.3%
📦Other	$1,392/mo	$1,590/mo	↑ $198more	14.2%
⚡All Utilities	$404/mo	$503/mo	↑ $98.41more	24.3%
🚗Transportation	$1,245/mo	$1,188/mo	↓ $56.49less	4.5%
🏥Healthcare	$564/mo	$582/mo	↑ $18.59more	3.3%
🛒Groceries	$909/mo	$919/mo	↑ $9.99more	1.1%

🏠Housing

↓ 36.3%

Medford, OR

$3,062

Indianapolis, IN

$1,949

Difference

$1,113

less

📦Other

↑ 14.2%

Medford, OR

$1,392

Indianapolis, IN

$1,590

Difference

$198

⚡All Utilities

↑ 24.3%

Medford, OR

$404

Indianapolis, IN

$503

Difference

$98.41

🚗Transportation

↓ 4.5%

Medford, OR

$1,245

Indianapolis, IN

$1,188

Difference

$56.49

less

🏥Healthcare

↑ 3.3%

Medford, OR

$564

Indianapolis, IN

$582

Difference

$18.59

🛒Groceries

↑ 1.1%

Medford, OR

$909

Indianapolis, IN

$919

Difference

$9.99

🏛️ Local Income Taxes

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

Medford, OR 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$664

To$1,030

↑ $366

1 Bed

From$775

To$1,170

↑ $395

2 Bed

From$965

To$1,360

↑ $395

3 Bed

From$1,340

To$1,760

↑ $420

Medford, ORZIP-level data

1BR range: $1,260–$1,260/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.

$7,577

Monthly in Medford, OR

$6,732

Monthly in Indianapolis, IN

$845

Difference

Home Values

Medford

Indianapolis

$434K

Median Value

$176K

↑ +0.2%

YoY Change

↓ -1.1%

↑ +21.1%

5-Year Change

↑ +26.9%

$434K

Price Range

$109K - $340K

Homes in Indianapolis are 59% less expensive than Medford

Calculate payment - Medford Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.7K

Per year

Monthly Difference

$889

More take-home

Effective Rate Diff

7.1%

Rate difference

Medford, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

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

Medford, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

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.