Is Indianapolis, IN cheaper than Somerville, MA?

Based on cost of living data, Indianapolis, IN is 38.8% cheaper than Somerville, MA. This translates to saving $2907 per month.

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

If you earn $150,000 in Somerville, MA, you'd need approximately $115,114.413 in Indianapolis, IN to maintain the same standard of living.

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

Housing in Indianapolis, IN is 56.9% cheaper than in Somerville, MA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $2,812/month in Somerville, MA.

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

Moving from Somerville, MA to Indianapolis, IN could save you approximately $2907 per month, or $34886 per year, based on a $150,000 salary.

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

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Cost of Living Comparison 2026

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

Current salary in Somerville, MA

Numbers update automatically as you type

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

$150.0K in your current city equals $115.1K in Indianapolis, IN

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

Overall Cost

↓ 38.8%

Less expensive

Monthly Impact

$2,907

Savings

Annual Impact

$34.9K

Per year

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

Somerville, MA

Population:80K

Cost Index:100

Median Home:$911K

Indianapolis, IN

Population:888K

Cost Index:61

Median Home:$176K

Somerville, MA

The Bay State

80K

Population

State Tax

Yes

Located in Massachusetts, this city has a population of 80K 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: Somerville, MA vs Indianapolis, IN

Category	Somerville, MA	Indianapolis, IN	Difference	Change
🏠Housing	$4,527/mo	$1,949/mo	↓ $2,578less	56.9%
🚗Transportation	$1,745/mo	$1,188/mo	↓ $557less	31.9%
⚡All Utilities	$699/mo	$503/mo	↓ $196less	28.1%
📦Other	$1,740/mo	$1,590/mo	↓ $149less	8.6%
🏥Healthcare	$726/mo	$582/mo	↓ $144less	19.8%
🛒Groceries	$1,054/mo	$919/mo	↓ $134less	12.8%

🏠Housing

↓ 56.9%

Somerville, MA

$4,527

Indianapolis, IN

$1,949

Difference

$2,578

less

🚗Transportation

↓ 31.9%

Somerville, MA

$1,745

Indianapolis, IN

$1,188

Difference

$557

less

⚡All Utilities

↓ 28.1%

Somerville, MA

$699

Indianapolis, IN

$503

Difference

$196

less

📦Other

↓ 8.6%

Somerville, MA

$1,740

Indianapolis, IN

$1,590

Difference

$149

less

🏥Healthcare

↓ 19.8%

Somerville, MA

$726

Indianapolis, IN

$582

Difference

$144

less

🛒Groceries

↓ 12.8%

Somerville, MA

$1,054

Indianapolis, IN

$919

Difference

$134

less

🏛️ Local Income Taxes

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

Somerville, 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$2,253

To$1,030

↓ $1,223

1 Bed

From$2,367

To$1,170

↓ $1,197

2 Bed

From$2,812

To$1,360

↓ $1,452

3 Bed

From$3,371

To$1,760

↓ $1,611

Somerville, MAZIP-level data

1BR range: $2,820–$3,060/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.

$10,491

Monthly in Somerville, MA

$6,732

Monthly in Indianapolis, IN

$3,759

Difference

Home Values

Somerville

Indianapolis

$911K

Median Value

$176K

↑ +1.1%

YoY Change

↓ -1.1%

↑ +14.2%

5-Year Change

↑ +26.9%

$821K - $1.02M

Price Range

$109K - $340K

Homes in Indianapolis are 81% less expensive than Somerville

Calculate payment - Somerville 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

Somerville, 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

Somerville, 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.