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Cost of Living Comparison 2026

๐Ÿ“ Navarre, FL โ€” COL adjusted from Montgomery, AL area + state data

$

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You'd save $173/month moving to Indianapolis, IN

$150.0K in your current city equals $147.9K in Indianapolis, IN

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 2.3%
Less expensive
Monthly Impact
$173
Savings
Annual Impact
$2.1K
Per year

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

Navarre, FL

Population:41K
Cost Index:100
Median Home:$104K

Indianapolis, IN

Population:888K
Cost Index:98
Median Home:$176K

Navarre, FL

The Sunshine State

41K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 41K residents.

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

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: Navarre, FL vs Indianapolis, IN

๐Ÿš—Transportation
โ†“ 5.6%
Navarre, FL
$1,259
Indianapolis, IN
$1,188
Difference
$71.02
less
๐Ÿ›’Groceries
โ†“ 6.4%
Navarre, FL
$982
Indianapolis, IN
$919
Difference
$62.59
less
๐ŸฅHealthcare
โ†‘ 10.6%
Navarre, FL
$526
Indianapolis, IN
$582
Difference
$56.03
more
โšกAll Utilities
โ†“ 9.2%
Navarre, FL
$554
Indianapolis, IN
$503
Difference
$51.01
less
๐Ÿ Housing
โ†‘ 0.8%
Navarre, FL
$1,933
Indianapolis, IN
$1,949
Difference
$15.90
more
๐Ÿ“ฆOther
โ†“ 0.4%
Navarre, FL
$1,596
Indianapolis, IN
$1,590
Difference
$5.73
less

๐Ÿ›๏ธ Local Income Taxes

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

Navarre, 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$629
To$1,030
โ†‘ $401
1 Bed
From$733
To$1,170
โ†‘ $437
2 Bed
From$891
To$1,360
โ†‘ $469
3 Bed
From$1,205
To$1,760
โ†‘ $555
Indianapolis, INZIP-level data

1BR range: $1,080โ€“$1,870/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.

$6,851
Monthly in Navarre, FL
$6,732
Monthly in Indianapolis, IN
$118
Difference

Home Values

Navarre
Indianapolis
-
Median Value
$176K
-
YoY Change
โ†“ -1.1%
-
5-Year Change
โ†‘ +26.9%
-
Price Range
$109K - $340K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $4.8K
More taxes
Monthly Difference
$404
Less take-home
Effective Rate Diff
3.2%
Rate difference

Navarre, 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

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

Navarre, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

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

Navarre
Indianapolis
42 Good
Air Quality
54 Moderate
69%
Good Air Days
36.6%
92 Moderate
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+2.6ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
62 days
Heat Days >95ยฐF
18 days
โ–ฒ+2.6ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
62 days
Heat Days >95ยฐF
18 days

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

Where your money goes further

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Similar cost to Indianapolis, IN

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