Is Indianapolis, IN cheaper than Newport Beach, CA?

Based on cost of living data, Indianapolis, IN is 50.5% cheaper than Newport Beach, CA. This translates to saving $3789 per month.

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

If you earn $150,000 in Newport Beach, CA, you'd need approximately $104,530.825 in Indianapolis, IN to maintain the same standard of living.

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

Housing in Indianapolis, IN is 70.4% cheaper than in Newport Beach, CA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $3,212/month in Newport Beach, CA.

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

Moving from Newport Beach, CA to Indianapolis, IN could save you approximately $3789 per month, or $45469 per year, based on a $150,000 salary.

Newport Beach, CA vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Newport Beach, CA — ZIP-level rent data · COL adjusted from Irvine, CA area

Current salary in Newport Beach, CA

Numbers update automatically as you type

You'd save $3.8K/month moving to Indianapolis, IN

$150.0K in your current city equals $104.5K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↓ 50.5%

Less expensive

Monthly Impact

$3,789

Savings

Annual Impact

$45.5K

Per year

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

Newport Beach, CA

Population:83K

Cost Index:100

Median Home:$4.24M

Indianapolis, IN

Population:888K

Cost Index:49

Median Home:$176K

Newport Beach, CA

The Golden State

83K

Population

State Tax

Yes

Located in California, this city has a population of 83K 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: Newport Beach, CA vs Indianapolis, IN

Category	Newport Beach, CA	Indianapolis, IN	Difference	Change
🏠Housing	$6,589/mo	$1,949/mo	↓ $4,640less	70.4%
🚗Transportation	$2,097/mo	$1,188/mo	↓ $908less	43.3%
🛒Groceries	$1,024/mo	$919/mo	↓ $105less	10.2%
📦Other	$1,675/mo	$1,590/mo	↓ $84.70less	5.1%
⚡All Utilities	$549/mo	$503/mo	↓ $46.63less	8.5%
🏥Healthcare	$543/mo	$582/mo	↑ $38.91more	7.2%

🏠Housing

↓ 70.4%

Newport Beach, CA

$6,589

Indianapolis, IN

$1,949

Difference

$4,640

less

🚗Transportation

↓ 43.3%

Newport Beach, CA

$2,097

Indianapolis, IN

$1,188

Difference

$908

less

🛒Groceries

↓ 10.2%

Newport Beach, CA

$1,024

Indianapolis, IN

$919

Difference

$105

less

📦Other

↓ 5.1%

Newport Beach, CA

$1,675

Indianapolis, IN

$1,590

Difference

$84.70

less

⚡All Utilities

↓ 8.5%

Newport Beach, CA

$549

Indianapolis, IN

$503

Difference

$46.63

less

🏥Healthcare

↑ 7.2%

Newport Beach, CA

$543

Indianapolis, IN

$582

Difference

$38.91

🏛️ Local Income Taxes

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

Newport Beach, 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$2,659

To$1,030

↓ $1,629

1 Bed

From$2,725

To$1,170

↓ $1,555

2 Bed

From$3,212

To$1,360

↓ $1,852

3 Bed

From$4,360

To$1,760

↓ $2,600

Newport Beach, CAZIP-level data

1BR range: $3,000–$4,040/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.

$12,478

Monthly in Newport Beach, CA

$6,732

Monthly in Indianapolis, IN

$5,746

Difference

Home Values

Newport Beach

Indianapolis

$4.24M

Median Value

$176K

↑ +5.3%

YoY Change

↓ -1.1%

↑ +61.5%

5-Year Change

↑ +26.9%

$2.54M - $5.42M

Price Range

$109K - $340K

Homes in Indianapolis are 96% less expensive than Newport Beach

Calculate payment - Newport Beach 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

Newport Beach, 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

Newport Beach, 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.