Is Indianapolis, IN cheaper than Rock Island, IL?

Based on cost of living data, Indianapolis, IN is 4.6% cheaper than Rock Island, IL. This translates to saving $347 per month.

What salary do I need in Indianapolis, IN to live like I do in Rock Island, IL?

If you earn $150,000 in Rock Island, IL, you'd need approximately $145,841.044 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Rock Island, IL and Indianapolis, IN?

Housing in Indianapolis, IN is 9.5% cheaper than in Rock Island, IL. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $827/month in Rock Island, IL.

How much can I save per month by moving from Rock Island, IL to Indianapolis, IN?

Moving from Rock Island, IL to Indianapolis, IN could save you approximately $347 per month, or $4159 per year, based on a $150,000 salary.

Rock Island, IL vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Rock Island, IL — ZIP-level rent data · COL adjusted from Madison, WI area

Current salary in Rock Island, IL

Numbers update automatically as you type

You'd save $347/month moving to Indianapolis, IN

$150.0K in your current city equals $145.8K in Indianapolis, IN

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

Overall Cost

↓ 4.6%

Less expensive

Monthly Impact

$347

Savings

Annual Impact

$4.2K

Per year

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

Rock Island, IL

Population:36K

Cost Index:100

Median Home:$122K

Indianapolis, IN

Population:888K

Cost Index:95

Median Home:$176K

Rock Island, IL

The Prairie State

36K

Population

State Tax

Yes

Located in Illinois, this city has a population of 36K 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: Rock Island, IL vs Indianapolis, IN

Category	Rock Island, IL	Indianapolis, IN	Difference	Change
🏠Housing	$2,154/mo	$1,949/mo	↓ $205less	9.5%
🏥Healthcare	$670/mo	$582/mo	↓ $87.47less	13.1%
📦Other	$1,556/mo	$1,590/mo	↑ $34.27more	2.2%
🚗Transportation	$1,222/mo	$1,188/mo	↓ $33.84less	2.8%
⚡All Utilities	$474/mo	$503/mo	↑ $29.07more	6.1%
🛒Groceries	$894/mo	$919/mo	↑ $25.21more	2.8%

🏠Housing

↓ 9.5%

Rock Island, IL

$2,154

Indianapolis, IN

$1,949

Difference

$205

less

🏥Healthcare

↓ 13.1%

Rock Island, IL

$670

Indianapolis, IN

$582

Difference

$87.47

less

📦Other

↑ 2.2%

Rock Island, IL

$1,556

Indianapolis, IN

$1,590

Difference

$34.27

🚗Transportation

↓ 2.8%

Rock Island, IL

$1,222

Indianapolis, IN

$1,188

Difference

$33.84

less

⚡All Utilities

↑ 6.1%

Rock Island, IL

$474

Indianapolis, IN

$503

Difference

$29.07

🛒Groceries

↑ 2.8%

Rock Island, IL

$894

Indianapolis, IN

$919

Difference

$25.21

🏛️ Local Income Taxes

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

Rock Island, IL 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$591

To$1,030

↑ $439

1 Bed

From$672

To$1,170

↑ $498

2 Bed

From$827

To$1,360

↑ $533

3 Bed

From$1,085

To$1,760

↑ $675

Rock Island, ILZIP-level data

1BR range: $910–$910/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.

$6,970

Monthly in Rock Island, IL

$6,732

Monthly in Indianapolis, IN

$237

Difference

Home Values

Rock Island

Indianapolis

$122K

Median Value

$176K

↑ +3.2%

YoY Change

↓ -1.1%

↑ +19.8%

5-Year Change

↑ +26.9%

$122K

Price Range

$109K - $340K

Homes in Indianapolis are 45% more expensive than Rock Island

Calculate payment - Rock Island Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.6K

Per year

Monthly Difference

$215

More take-home

Effective Rate Diff

1.7%

Rate difference

Rock Island, 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

Rock Island, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

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.