Is Indianapolis, IN cheaper than Round Rock, TX?

Based on cost of living data, Indianapolis, IN is 11.7% cheaper than Round Rock, TX. This translates to saving $875 per month.

What salary do I need in Indianapolis, IN to live like I do in Round Rock, TX?

If you earn $150,000 in Round Rock, TX, you'd need approximately $139,499.277 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Round Rock, TX and Indianapolis, IN?

Housing in Indianapolis, IN is 21.5% cheaper than in Round Rock, TX. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,577/month in Round Rock, TX.

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

Moving from Round Rock, TX to Indianapolis, IN could save you approximately $875 per month, or $10501 per year, based on a $150,000 salary.

Round Rock, TX vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Round Rock, TX — ZIP-level rent data · COL adjusted from Austin, TX area

Current salary in Round Rock, TX

Numbers update automatically as you type

You'd save $875/month moving to Indianapolis, IN

$150.0K in your current city equals $139.5K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Austin-Round Rock-Georgetown, TX area

Overall Cost

↓ 11.7%

Less expensive

Monthly Impact

$875

Savings

Annual Impact

$10.5K

Per year

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

Round Rock, TX

Population:130K

Cost Index:100

Median Home:$404K

Indianapolis, IN

Population:888K

Cost Index:88

Median Home:$176K

Round Rock, TX

The Lone Star State

130K

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 130K residents.

💡 Advantage: Texas 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: Round Rock, TX vs Indianapolis, IN

Category	Round Rock, TX	Indianapolis, IN	Difference	Change
🏠Housing	$2,482/mo	$1,949/mo	↓ $533less	21.5%
📦Other	$1,665/mo	$1,590/mo	↓ $74.45less	4.5%
🚗Transportation	$1,228/mo	$1,188/mo	↓ $39.41less	3.2%
⚡All Utilities	$529/mo	$503/mo	↓ $26.28less	5.0%
🛒Groceries	$938/mo	$919/mo	↓ $18.74less	2.0%
🏥Healthcare	$576/mo	$582/mo	↑ $6.83more	1.2%

🏠Housing

↓ 21.5%

Round Rock, TX

$2,482

Indianapolis, IN

$1,949

Difference

$533

less

📦Other

↓ 4.5%

Round Rock, TX

$1,665

Indianapolis, IN

$1,590

Difference

$74.45

less

🚗Transportation

↓ 3.2%

Round Rock, TX

$1,228

Indianapolis, IN

$1,188

Difference

$39.41

less

⚡All Utilities

↓ 5.0%

Round Rock, TX

$529

Indianapolis, IN

$503

Difference

$26.28

less

🛒Groceries

↓ 2.0%

Round Rock, TX

$938

Indianapolis, IN

$919

Difference

$18.74

less

🏥Healthcare

↑ 1.2%

Round Rock, TX

$576

Indianapolis, IN

$582

Difference

$6.83

🏛️ Local Income Taxes

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

Round Rock, TX 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$1,252

To$1,030

↓ $222

1 Bed

From$1,329

To$1,170

↓ $159

2 Bed

From$1,577

To$1,360

↓ $217

3 Bed

From$1,999

To$1,760

↓ $239

Round Rock, TXZIP-level data

1BR range: $1,510–$1,760/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.

$7,418

Monthly in Round Rock, TX

$6,732

Monthly in Indianapolis, IN

$686

Difference

Home Values

Round Rock

Indianapolis

$404K

Median Value

$176K

↓ -5.4%

YoY Change

↓ -1.1%

↑ +21.6%

5-Year Change

↑ +26.9%

$335K - $474K

Price Range

$109K - $340K

Homes in Indianapolis are 56% less expensive than Round Rock

Calculate payment - Round Rock 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

Round Rock, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas 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

Round Rock, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

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.