Is Indianapolis, IN cheaper than Quincy, MA?

Based on cost of living data, Indianapolis, IN is 39.1% cheaper than Quincy, MA. This translates to saving $2931 per month.

What salary do I need in Indianapolis, IN to live like I do in Quincy, MA?

If you earn $150,000 in Quincy, MA, you'd need approximately $114,822.364 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Quincy, MA and Indianapolis, IN?

Housing in Indianapolis, IN is 57.2% cheaper than in Quincy, MA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $2,395/month in Quincy, MA.

How much can I save per month by moving from Quincy, MA to Indianapolis, IN?

Moving from Quincy, MA to Indianapolis, IN could save you approximately $2931 per month, or $35178 per year, based on a $150,000 salary.

Quincy, MA vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Quincy, MA — ZIP-level rent data · COL adjusted from Boston, MA area

Current salary in Quincy, MA

Numbers update automatically as you type

You'd save $2.9K/month moving to Indianapolis, IN

$150.0K in your current city equals $114.8K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Boston-Cambridge-Newton, MA-NH area

Overall Cost

↓ 39.1%

Less expensive

Monthly Impact

$2,931

Savings

Annual Impact

$35.2K

Per year

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

Quincy, MA

Population:102K

Cost Index:100

Median Home:$689K

Indianapolis, IN

Population:888K

Cost Index:61

Median Home:$176K

Quincy, MA

The Bay State

102K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 102K 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: Quincy, MA vs Indianapolis, IN

Category	Quincy, MA	Indianapolis, IN	Difference	Change
🏠Housing	$4,551/mo	$1,949/mo	↓ $2,602less	57.2%
🚗Transportation	$1,755/mo	$1,188/mo	↓ $566less	32.3%
⚡All Utilities	$701/mo	$503/mo	↓ $198less	28.3%
📦Other	$1,749/mo	$1,590/mo	↓ $159less	9.1%
🏥Healthcare	$728/mo	$582/mo	↓ $146less	20.0%
🛒Groceries	$1,057/mo	$919/mo	↓ $137less	13.0%

🏠Housing

↓ 57.2%

Quincy, MA

$4,551

Indianapolis, IN

$1,949

Difference

$2,602

less

🚗Transportation

↓ 32.3%

Quincy, MA

$1,755

Indianapolis, IN

$1,188

Difference

$566

less

⚡All Utilities

↓ 28.3%

Quincy, MA

$701

Indianapolis, IN

$503

Difference

$198

less

📦Other

↓ 9.1%

Quincy, MA

$1,749

Indianapolis, IN

$1,590

Difference

$159

less

🏥Healthcare

↓ 20.0%

Quincy, MA

$728

Indianapolis, IN

$582

Difference

$146

less

🛒Groceries

↓ 13.0%

Quincy, MA

$1,057

Indianapolis, IN

$919

Difference

$137

less

🏛️ Local Income Taxes

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

Quincy, MA 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$1,923

To$1,030

↓ $893

1 Bed

From$2,021

To$1,170

↓ $851

2 Bed

From$2,395

To$1,360

↓ $1,035

3 Bed

From$2,876

To$1,760

↓ $1,116

Quincy, MAZIP-level data

1BR range: $2,160–$2,550/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.

$10,540

Monthly in Quincy, MA

$6,732

Monthly in Indianapolis, IN

$3,808

Difference

Home Values

Quincy

Indianapolis

$689K

Median Value

$176K

↑ +0.6%

YoY Change

↓ -1.1%

↑ +23.9%

5-Year Change

↑ +26.9%

$614K - $729K

Price Range

$109K - $340K

Homes in Indianapolis are 74% less expensive than Quincy

Calculate payment - Quincy Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.7K

Per year

Monthly Difference

$221

More take-home

Effective Rate Diff

1.8%

Rate difference

Quincy, MA

Federal Income Tax

Effective: 18.9%

$25.5K

Massachusetts State Tax

Effective: 5.0%

$7.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.7%

$44.5K

Take-Home Pay

$8,791/month

$105.5K

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

Quincy, MA Tax Rates

Sales Tax:6.3%

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.