Is Indianapolis, IN cheaper than Upland, CA?

Based on cost of living data, Indianapolis, IN is 25.3% cheaper than Upland, CA. This translates to saving $1898 per month.

What salary do I need in Indianapolis, IN to live like I do in Upland, CA?

If you earn $150,000 in Upland, CA, you'd need approximately $127,219.727 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Upland, CA and Indianapolis, IN?

Housing in Indianapolis, IN is 40.0% cheaper than in Upland, CA. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $2,513/month in Upland, CA.

How much can I save per month by moving from Upland, CA to Indianapolis, IN?

Moving from Upland, CA to Indianapolis, IN could save you approximately $1898 per month, or $22780 per year, based on a $150,000 salary.

Upland, CA vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Upland, CA — ZIP-level rent data · COL adjusted from Fontana, CA area

Current salary in Upland, CA

Numbers update automatically as you type

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

$150.0K in your current city equals $127.2K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↓ 25.3%

Less expensive

Monthly Impact

$1,898

Savings

Annual Impact

$22.8K

Per year

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

Upland, CA

Population:79K

Cost Index:100

Median Home:$832K

Indianapolis, IN

Population:888K

Cost Index:75

Median Home:$176K

Upland, CA

The Golden State

79K

Population

State Tax

Yes

Located in California, this city has a population of 79K 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: Upland, CA vs Indianapolis, IN

Category	Upland, CA	Indianapolis, IN	Difference	Change
🏠Housing	$3,251/mo	$1,949/mo	↓ $1,302less	40.0%
🚗Transportation	$2,113/mo	$1,188/mo	↓ $924less	43.7%
🛒Groceries	$1,028/mo	$919/mo	↓ $109less	10.6%
📦Other	$1,688/mo	$1,590/mo	↓ $97.46less	5.8%
⚡All Utilities	$551/mo	$503/mo	↓ $48.72less	8.8%
🏥Healthcare	$546/mo	$582/mo	↑ $36.84more	6.8%

🏠Housing

↓ 40.0%

Upland, CA

$3,251

Indianapolis, IN

$1,949

Difference

$1,302

less

🚗Transportation

↓ 43.7%

Upland, CA

$2,113

Indianapolis, IN

$1,188

Difference

$924

less

🛒Groceries

↓ 10.6%

Upland, CA

$1,028

Indianapolis, IN

$919

Difference

$109

less

📦Other

↓ 5.8%

Upland, CA

$1,688

Indianapolis, IN

$1,590

Difference

$97.46

less

⚡All Utilities

↓ 8.8%

Upland, CA

$551

Indianapolis, IN

$503

Difference

$48.72

less

🏥Healthcare

↑ 6.8%

Upland, CA

$546

Indianapolis, IN

$582

Difference

$36.84

🏛️ Local Income Taxes

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

Upland, CA 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$1,934

To$1,030

↓ $904

1 Bed

From$2,026

To$1,170

↓ $856

2 Bed

From$2,513

To$1,360

↓ $1,153

3 Bed

From$3,328

To$1,760

↓ $1,568

Upland, CAZIP-level data

1BR range: $2,210–$2,660/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.

$9,177

Monthly in Upland, CA

$6,732

Monthly in Indianapolis, IN

$2,444

Difference

Home Values

Upland

Indianapolis

$832K

Median Value

$176K

↓ -0.6%

YoY Change

↓ -1.1%

↑ +33.8%

5-Year Change

↑ +26.9%

$708K - $957K

Price Range

$109K - $340K

Homes in Indianapolis are 79% less expensive than Upland

Calculate payment - Upland Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.8K

Per year

Monthly Difference

$482

More take-home

Effective Rate Diff

3.9%

Rate difference

Upland, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

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

Upland, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

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.