Is Indianapolis, IN cheaper than Ontario, CA?

Based on cost of living data, Indianapolis, IN is 26.9% cheaper than Ontario, CA. This translates to saving $2017 per month.

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

If you earn $150,000 in Ontario, CA, you'd need approximately $125,798.319 in Indianapolis, IN to maintain the same standard of living.

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

Housing in Indianapolis, IN is 47.2% cheaper than in Ontario, CA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $2,580/month in Ontario, CA.

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

Moving from Ontario, CA to Indianapolis, IN could save you approximately $2017 per month, or $24202 per year, based on a $150,000 salary.

Ontario, CA vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Ontario, CA — ZIP-level rent data · COL adjusted from Fontana, CA area

Current salary in Ontario, CA

Numbers update automatically as you type

You'd save $2.0K/month moving to Indianapolis, IN

$150.0K in your current city equals $125.8K in Indianapolis, IN

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

Overall Cost

↓ 26.9%

Less expensive

Monthly Impact

$2,017

Savings

Annual Impact

$24.2K

Per year

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

Ontario, CA

Population:182K

Cost Index:100

Median Home:$672K

Indianapolis, IN

Population:888K

Cost Index:73

Median Home:$176K

Ontario, CA

The Golden State

182K

Population

State Tax

Yes

Located in California, this city has a population of 182K 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: Ontario, CA vs Indianapolis, IN

Category	Ontario, CA	Indianapolis, IN	Difference	Change
🏠Housing	$3,690/mo	$1,949/mo	↓ $1,741less	47.2%
🚗Transportation	$2,158/mo	$1,188/mo	↓ $970less	44.9%
📦Other	$1,724/mo	$1,590/mo	↓ $134less	7.8%
🛒Groceries	$1,039/mo	$919/mo	↓ $120less	11.5%
⚡All Utilities	$557/mo	$503/mo	↓ $54.64less	9.8%
🏥Healthcare	$551/mo	$582/mo	↑ $30.98more	5.6%

🏠Housing

↓ 47.2%

Ontario, CA

$3,690

Indianapolis, IN

$1,949

Difference

$1,741

less

🚗Transportation

↓ 44.9%

Ontario, CA

$2,158

Indianapolis, IN

$1,188

Difference

$970

less

📦Other

↓ 7.8%

Ontario, CA

$1,724

Indianapolis, IN

$1,590

Difference

$134

less

🛒Groceries

↓ 11.5%

Ontario, CA

$1,039

Indianapolis, IN

$919

Difference

$120

less

⚡All Utilities

↓ 9.8%

Ontario, CA

$557

Indianapolis, IN

$503

Difference

$54.64

less

🏥Healthcare

↑ 5.6%

Ontario, CA

$551

Indianapolis, IN

$582

Difference

$30.98

🏛️ Local Income Taxes

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

Ontario, 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$1,980

To$1,030

↓ $950

1 Bed

From$2,080

To$1,170

↓ $910

2 Bed

From$2,580

To$1,360

↓ $1,220

3 Bed

From$3,410

To$1,760

↓ $1,650

Ontario, CAZIP-level data

1BR range: $1,980–$2,240/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.

$9,721

Monthly in Ontario, CA

$6,732

Monthly in Indianapolis, IN

$2,988

Difference

Home Values

Ontario

Indianapolis

$672K

Median Value

$176K

↓ -1.9%

YoY Change

↓ -1.1%

↑ +34.4%

5-Year Change

↑ +26.9%

$623K - $683K

Price Range

$109K - $340K

Homes in Indianapolis are 74% less expensive than Ontario

Calculate payment - Ontario 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

Ontario, 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

Ontario, 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.