Is Indianapolis, IN cheaper than Rochester, NH?

Based on cost of living data, Indianapolis, IN is 24.7% cheaper than Rochester, NH. This translates to saving $1852 per month.

What salary do I need in Indianapolis, IN to live like I do in Rochester, NH?

If you earn $150,000 in Rochester, NH, you'd need approximately $127,781.145 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Rochester, NH and Indianapolis, IN?

Housing in Indianapolis, IN is 47.1% cheaper than in Rochester, NH. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,213/month in Rochester, NH.

How much can I save per month by moving from Rochester, NH to Indianapolis, IN?

Moving from Rochester, NH to Indianapolis, IN could save you approximately $1852 per month, or $22219 per year, based on a $150,000 salary.

Rochester, NH vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

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

Current salary in Rochester, NH

Numbers update automatically as you type

You'd save $1.9K/month moving to Indianapolis, IN

$150.0K in your current city equals $127.8K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 24.7%

Less expensive

Monthly Impact

$1,852

Savings

Annual Impact

$22.2K

Per year

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

Rochester, NH

Population:34K

Cost Index:100

Median Home:$379K

Indianapolis, IN

Population:888K

Cost Index:75

Median Home:$176K

Rochester, NH

The Live Free or Die State

34K

Population

State Tax

No Income Tax

Located in New Hampshire, this city has a population of 34K residents.

💡 Advantage: New Hampshire 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: Rochester, NH vs Indianapolis, IN

Category	Rochester, NH	Indianapolis, IN	Difference	Change
🏠Housing	$3,681/mo	$1,949/mo	↓ $1,732less	47.1%
🚗Transportation	$1,419/mo	$1,188/mo	↓ $231less	16.3%
📦Other	$1,415/mo	$1,590/mo	↑ $176more	12.4%
⚡All Utilities	$630/mo	$503/mo	↓ $128less	20.2%
🏥Healthcare	$655/mo	$582/mo	↓ $72.25less	11.0%
🛒Groceries	$950/mo	$919/mo	↓ $30.93less	3.3%

🏠Housing

↓ 47.1%

Rochester, NH

$3,681

Indianapolis, IN

$1,949

Difference

$1,732

less

🚗Transportation

↓ 16.3%

Rochester, NH

$1,419

Indianapolis, IN

$1,188

Difference

$231

less

📦Other

↑ 12.4%

Rochester, NH

$1,415

Indianapolis, IN

$1,590

Difference

$176

⚡All Utilities

↓ 20.2%

Rochester, NH

$630

Indianapolis, IN

$503

Difference

$128

less

🏥Healthcare

↓ 11.0%

Rochester, NH

$655

Indianapolis, IN

$582

Difference

$72.25

less

🛒Groceries

↓ 3.3%

Rochester, NH

$950

Indianapolis, IN

$919

Difference

$30.93

less

🏛️ Local Income Taxes

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

Rochester, NH 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$883

To$1,030

↑ $147

1 Bed

From$929

To$1,170

↑ $241

2 Bed

From$1,213

To$1,360

↑ $147

3 Bed

From$1,489

To$1,760

↑ $271

Rochester, NHZIP-level data

1BR range: $1,410–$1,410/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.

$8,750

Monthly in Rochester, NH

$6,732

Monthly in Indianapolis, IN

$2,018

Difference

Home Values

Rochester

Indianapolis

$379K

Median Value

$176K

↑ +2.9%

YoY Change

↓ -1.1%

↑ +55.9%

5-Year Change

↑ +26.9%

$379K

Price Range

$109K - $340K

Homes in Indianapolis are 54% less expensive than Rochester

Calculate payment - Rochester Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $4.8K

More taxes

Monthly Difference

$404

Less take-home

Effective Rate Diff

3.2%

Rate difference

Rochester, NH

Federal Income Tax

Effective: 18.9%

$25.5K

New Hampshire State Tax

No state income tax

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

Rochester, NH Tax Rates

Sales Tax:0.0%

Property Tax:1.9%

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.