Is Indianapolis, IN cheaper than Middletown, NY?

Based on cost of living data, Indianapolis, IN is 14.7% cheaper than Middletown, NY. This translates to saving $1099 per month.

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

If you earn $150,000 in Middletown, NY, you'd need approximately $136,811.422 in Indianapolis, IN to maintain the same standard of living.

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

Housing in Indianapolis, IN is 1.5% more expensive than in Middletown, NY. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,661/month in Middletown, NY.

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

Moving from Middletown, NY to Indianapolis, IN could save you approximately $1099 per month, or $13189 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

📍 Middletown, NY — ZIP-level rent data · COL adjusted from Newark, NJ area

Current salary in Middletown, NY

Numbers update automatically as you type

You'd save $1.1K/month moving to Indianapolis, IN

$150.0K in your current city equals $136.8K in Indianapolis, IN

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

Overall Cost

↓ 14.7%

Less expensive

Monthly Impact

$1,099

Savings

Annual Impact

$13.2K

Per year

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

Middletown, NY

Population:30K

Cost Index:100

Median Home:$434K

Indianapolis, IN

Population:888K

Cost Index:85

Median Home:$176K

Middletown, NY

The Empire State

30K

Population

State Tax

Yes

Located in New York, this city has a population of 30K 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, NY vs Indianapolis, IN

Category	Middletown, NY	Indianapolis, IN	Difference	Change
📦Other	$1,912/mo	$1,590/mo	↓ $322less	16.8%
🚗Transportation	$1,509/mo	$1,188/mo	↓ $320less	21.2%
🛒Groceries	$1,068/mo	$919/mo	↓ $149less	13.9%
🏥Healthcare	$668/mo	$582/mo	↓ $85.75less	12.8%
⚡All Utilities	$579/mo	$503/mo	↓ $75.93less	13.1%
🏠Housing	$1,921/mo	$1,949/mo	↑ $28.46more	1.5%

📦Other

↓ 16.8%

Middletown, NY

$1,912

Indianapolis, IN

$1,590

Difference

$322

less

🚗Transportation

↓ 21.2%

Middletown, NY

$1,509

Indianapolis, IN

$1,188

Difference

$320

less

🛒Groceries

↓ 13.9%

Middletown, NY

$1,068

Indianapolis, IN

$919

Difference

$149

less

🏥Healthcare

↓ 12.8%

Middletown, NY

$668

Indianapolis, IN

$582

Difference

$85.75

less

⚡All Utilities

↓ 13.1%

Middletown, NY

$579

Indianapolis, IN

$503

Difference

$75.93

less

🏠Housing

↑ 1.5%

Middletown, NY

$1,921

Indianapolis, IN

$1,949

Difference

$28.46

🏛️ Local Income Taxes

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

Middletown, NY 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$1,147

To$1,030

↓ $117

1 Bed

From$1,300

To$1,170

↓ $130

2 Bed

From$1,661

To$1,360

↓ $301

3 Bed

From$2,110

To$1,760

↓ $350

Middletown, NYZIP-level data

1BR range: $1,620–$1,620/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.

$7,656

Monthly in Middletown, NY

$6,732

Monthly in Indianapolis, IN

$923

Difference

Home Values

Middletown

Indianapolis

$434K

Median Value

$176K

↑ +3.2%

YoY Change

↓ -1.1%

↑ +48.7%

5-Year Change

↑ +26.9%

$434K

Price Range

$109K - $340K

Homes in Indianapolis are 59% 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

↑ $4.7K

Per year

Monthly Difference

$392

More take-home

Effective Rate Diff

3.1%

Rate difference

Middletown, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

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

Middletown, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

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.