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Cost of Living Comparison 2026

๐Ÿ“ Normal, IL โ€” ZIP-level rent data ยท COL adjusted from Chicago, IL area

$

Numbers update automatically as you type

You'd save $60.12/month moving to Indianapolis, IN

$150.0K in your current city equals $149.3K in Indianapolis, IN

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†“ 0.8%
Less expensive
Monthly Impact
$60.12
Savings
Annual Impact
$721
Per year

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

Normal, IL

Population:53K
Cost Index:100
Median Home:$254K

Indianapolis, IN

Population:888K
Cost Index:99
Median Home:$176K

Normal, IL

The Prairie State

53K
Population
State Tax
Yes

Located in Illinois, this city has a population of 53K 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: Normal, IL vs Indianapolis, IN

๐Ÿ Housing
โ†“ 13.0%
Normal, IL
$2,239
Indianapolis, IN
$1,949
Difference
$290
less
๐Ÿš—Transportation
โ†“ 12.8%
Normal, IL
$1,363
Indianapolis, IN
$1,188
Difference
$175
less
๐Ÿ“ฆOther
โ†‘ 11.5%
Normal, IL
$1,426
Indianapolis, IN
$1,590
Difference
$164
more
๐ŸฅHealthcare
โ†‘ 8.7%
Normal, IL
$536
Indianapolis, IN
$582
Difference
$46.65
more
โšกAll Utilities
โ†‘ 7.5%
Normal, IL
$468
Indianapolis, IN
$503
Difference
$35.14
more
๐Ÿ›’Groceries
โ†“ 0.8%
Normal, IL
$927
Indianapolis, IN
$919
Difference
$7.75
less

๐Ÿ›๏ธ Local Income Taxes

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

Normal, IL 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$607
To$1,030
โ†‘ $423
1 Bed
From$648
To$1,170
โ†‘ $522
2 Bed
From$848
To$1,360
โ†‘ $512
3 Bed
From$1,117
To$1,760
โ†‘ $643
Normal, ILZIP-level data

1BR range: $940โ€“$940/mo

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.

$6,959
Monthly in Normal, IL
$6,732
Monthly in Indianapolis, IN
$226
Difference

Home Values

Normal
Indianapolis
$254K
Median Value
$176K
โ†‘ +2.5%
YoY Change
โ†“ -1.1%
โ†‘ +34%
5-Year Change
โ†‘ +26.9%
$254K
Price Range
$109K - $340K

Homes in Indianapolis are 31% less expensive than Normal

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†‘ $2.6K
Per year
Monthly Difference
$215
More take-home
Effective Rate Diff
1.7%
Rate difference

Normal, IL

Federal Income Tax
Effective: 18.9%
$25.5K
Illinois State Tax
Effective: 5.0%
$7.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,797/month
$105.6K

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

Normal, IL Tax Rates

Sales Tax:8.8%
Property Tax:2.2%

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

Normal
Indianapolis
54 Moderate
Air Quality
54 Moderate
35.8%
Good Air Days
36.6%
100 Very High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒก๐Ÿซจ
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
18 days
Heat Days >95ยฐF
18 days
โ–ฒ+3.2ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
18 days
Heat Days >95ยฐF
18 days

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

Where your money goes further

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