Is Indianapolis, IN cheaper than Middletown, CT?

Based on cost of living data, Indianapolis, IN is 6.9% cheaper than Middletown, CT. This translates to saving $518 per month.

What salary do I need in Indianapolis, IN to live like I do in Middletown, CT?

If you earn $150,000 in Middletown, CT, you'd need approximately $143,787.625 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Middletown, CT and Indianapolis, IN?

Housing in Indianapolis, IN is 49.1% cheaper than in Middletown, CT. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $913/month in Middletown, CT.

How much can I save per month by moving from Middletown, CT to Indianapolis, IN?

Moving from Middletown, CT to Indianapolis, IN could save you approximately $518 per month, or $6212 per year, based on a $150,000 salary.

Middletown, CT vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Middletown, CT — ZIP-level rent data · COL adjusted from New York, NY area

Current salary in Middletown, CT

Numbers update automatically as you type

You'd save $518/month moving to Indianapolis, IN

$150.0K in your current city equals $143.8K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Hartford-West Hartford-East Hartford, CT area

Overall Cost

↓ 6.9%

Less expensive

Monthly Impact

$518

Savings

Annual Impact

$6.2K

Per year

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

Middletown, CT

Population:48K

Cost Index:100

Median Home:$343K

Indianapolis, IN

Population:888K

Cost Index:93

Median Home:$176K

Middletown, CT

The Constitution State

48K

Population

State Tax

Yes

Located in Connecticut, this city has a population of 48K 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: Middletown, CT vs Indianapolis, IN

Category	Middletown, CT	Indianapolis, IN	Difference	Change
🏠Housing	$3,829/mo	$1,949/mo	↓ $1,880less	49.1%
📦Other	$1,131/mo	$1,590/mo	↑ $459more	40.6%
🚗Transportation	$891/mo	$1,188/mo	↑ $297more	33.3%
🏥Healthcare	$513/mo	$582/mo	↑ $69.48more	13.5%
⚡All Utilities	$447/mo	$503/mo	↑ $55.23more	12.3%
🛒Groceries	$869/mo	$919/mo	↑ $50.33more	5.8%

🏠Housing

↓ 49.1%

Middletown, CT

$3,829

Indianapolis, IN

$1,949

Difference

$1,880

less

📦Other

↑ 40.6%

Middletown, CT

$1,131

Indianapolis, IN

$1,590

Difference

$459

🚗Transportation

↑ 33.3%

Middletown, CT

$891

Indianapolis, IN

$1,188

Difference

$297

🏥Healthcare

↑ 13.5%

Middletown, CT

$513

Indianapolis, IN

$582

Difference

$69.48

⚡All Utilities

↑ 12.3%

Middletown, CT

$447

Indianapolis, IN

$503

Difference

$55.23

🛒Groceries

↑ 5.8%

Middletown, CT

$869

Indianapolis, IN

$919

Difference

$50.33

🏛️ Local Income Taxes

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

Middletown, CT 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$629

To$1,030

↑ $401

1 Bed

From$723

To$1,170

↑ $447

2 Bed

From$913

To$1,360

↑ $447

3 Bed

From$1,092

To$1,760

↑ $668

Middletown, CTZIP-level data

1BR range: $1,530–$1,530/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.

$7,681

Monthly in Middletown, CT

$6,732

Monthly in Indianapolis, IN

$949

Difference

Home Values

Middletown

Indianapolis

$343K

Median Value

$176K

↑ +4.2%

YoY Change

↓ -1.1%

↑ +51.6%

5-Year Change

↑ +26.9%

$343K

Price Range

$109K - $340K

Homes in Indianapolis are 49% less expensive than Middletown

Calculate payment - Middletown Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.2K

Per year

Monthly Difference

$267

More take-home

Effective Rate Diff

2.1%

Rate difference

Middletown, CT

Federal Income Tax

Effective: 18.9%

$25.5K

Connecticut State Tax

Effective: 5.4%

$8.1K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$45.1K

Take-Home Pay

$8,745/month

$104.9K

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

Middletown, CT Tax Rates

Sales Tax:6.3%

Property Tax:2.1%

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.