Schererville, IN vs Gardner, KS: Cost of Living

Which city costs less?

Gardner, KS has a modeled overall cost index 13.2% lower than Schererville, IN.

Schererville, IN · modeled 2BR rent: $1,480 / month
Gardner, KS · modeled 2BR rent: $1,480 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Schererville, IN and Gardner, KS using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Schererville, IN

Numbers update automatically as you type

Estimated savings: $1,142/month in Gardner, KS

$150,000 in your current city has a modeled equivalent of $136,295 in Gardner, KS

Regional cost estimates: Schererville, IN uses Chicago, IL. Gardner, KS uses Kansas City, MO. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 13.2%

Less expensive

Monthly Impact

$1,142

Savings

Annual Impact

$13.7K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Schererville, IN

Population:30K

Cost Index:

97.1

100 = national average

Typical Home:$345K

Gardner, KS

Population:25K

Cost Index:

84.3

100 = national average

Typical Home:$343K

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Schererville, IN

The Hoosier State

30K

Population

State Tax

Yes

Located in Indiana, this city has a population of 30K residents.

Gardner, KS

The Sunflower State

25K

Population

State Tax

Yes

Located in Kansas, this city has a population of 25K residents.

Cost Breakdown by Category

Estimated monthly spending: Schererville, IN vs Gardner, KS

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Schererville, IN	Gardner, KS	Difference	Change
Housing	$2,447/mo	$1,751/mo	↓ $696less	28.4%
Transportation	$1,490/mo	$1,124/mo	↓ $366less	24.6%
Other	$1,558/mo	$1,485/mo	↓ $73.17less	4.7%
Groceries	$963/mo	$907/mo	↓ $56.15less	5.8%
All Utilities	$486/mo	$511/mo	↑ $25.84more	5.3%
Healthcare	$556/mo	$580/mo	↑ $23.51more	4.2%

Housing

↓ 28.4%

Schererville, IN

$2,447

Gardner, KS

$1,751

Difference

$696

less

Transportation

↓ 24.6%

Schererville, IN

$1,490

Gardner, KS

$1,124

Difference

$366

less

Other

↓ 4.7%

Schererville, IN

$1,558

Gardner, KS

$1,485

Difference

$73.17

less

Groceries

↓ 5.8%

Schererville, IN

$963

Gardner, KS

$907

Difference

$56.15

less

All Utilities

↑ 5.3%

Schererville, IN

$486

Gardner, KS

$511

Difference

$25.84

Healthcare

↑ 4.2%

Schererville, IN

$556

Gardner, KS

$580

Difference

$23.51

🏠Rent Comparison

Studio

From$1,080

To$1,190

↑ $110

1 Bed

From$1,220

To$1,300

↑ $80.00

2 Bed

From$1,480

To$1,480

→ $0

3 Bed

From$1,810

To$1,930

↑ $120

Schererville, INZIP-level data

1BR range: $1,220–$1,220/mo

Gardner, KSZIP-level data

1BR range: $1,300–$1,300/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Schererville, IN

$6,358

Monthly in Gardner, KS

$1,142

Difference

Home Values

Schererville

Gardner

$345K

Median Value

$343K

↑ +1.5%

YoY Change

↑ +3.2%

↑ +27.8%

5-Year Change

↑ +33.2%

Homes in Gardner are 1% less expensive than Schererville

Calculate payment - Schererville Calculate payment - Gardner

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $3.6K

More taxes

Monthly Difference

$298

Less take-home

Effective Rate Diff

2.4%

Rate difference

Schererville, 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

Gardner, KS

Federal Income Tax

Effective: 18.9%

$25.5K

Kansas State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,714/month

$104.6K

Additional Tax Information

Schererville, IN Tax Rates

Sales Tax:7.0%

Property Tax:0.9%

Gardner, KS Tax Rates

Sales Tax:8.7%

Property Tax:1.3%

💡 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.

Environment

Schererville

Gardner

54 Moderate

Air Quality

46 Good

35.8%

Good Air Days

59.3%

100 Very High

Climate Risk

97 High

🌊🌡🫨

Top Hazards

🌊🌡🌪

▲+3.2°F

2050 Outlook

▲+3.3°F

18 days

Heat Days >95°F

44 days

▲+3.2°F

2050 Outlook

▲+3.3°F

18 days

Heat Days >95°F

44 days

Before moving from Schererville, IN to Gardner, KS

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Gardner, KS for the same bedroom count and included utilities as your home in Schererville, IN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Schererville to Gardner moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Gardner, KS by cost, housing, population and region.

Frequently Asked Questions: Schererville, IN vs Gardner, KS

How do the cost estimates for Schererville, IN and Gardner, KS compare?

Gardner, KS has a modeled overall cost index 13.2% lower than Schererville, IN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Schererville, IN, the model estimates $136,295 in Gardner, KS. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Schererville, IN and Gardner, KS?

The modeled two-bedroom rents are $1,480/month in Schererville, IN and $1,480/month in Gardner, KS. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Indiana and Kansas on TaxTakeHome.com