Is Indianapolis, IN cheaper than Wilmington, DE?

Based on cost of living data, Indianapolis, IN is 7.8% cheaper than Wilmington, DE. This translates to saving $588 per month.

What salary do I need in Indianapolis, IN to live like I do in Wilmington, DE?

If you earn $150,000 in Wilmington, DE, you'd need approximately $142,947.278 in Indianapolis, IN to maintain the same standard of living.

How does housing cost compare between Wilmington, DE and Indianapolis, IN?

Housing in Indianapolis, IN is 0.4% more expensive than in Wilmington, DE. For a two-bedroom apartment, rent is $1,360/month in Indianapolis, IN compared to $1,273/month in Wilmington, DE.

How much can I save per month by moving from Wilmington, DE to Indianapolis, IN?

Moving from Wilmington, DE to Indianapolis, IN could save you approximately $588 per month, or $7053 per year, based on a $150,000 salary.

Wilmington, DE vs Indianapolis, IN: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Wilmington, DE — ZIP-level rent data · COL adjusted from Philadelphia, PA area

Current salary in Wilmington, DE

Numbers update automatically as you type

You'd save $588/month moving to Indianapolis, IN

$150.0K in your current city equals $142.9K in Indianapolis, IN

Rent data from HUD ZIP-level estimates · COL index from Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area

Overall Cost

↓ 7.8%

Less expensive

Monthly Impact

$588

Savings

Annual Impact

$7.1K

Per year

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

Wilmington, DE

Population:72K

Cost Index:100

Median Home:$205K

Indianapolis, IN

Population:888K

Cost Index:92

Median Home:$176K

Wilmington, DE

The First State

72K

Population

State Tax

Yes

Located in Delaware, this city has a population of 72K 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: Wilmington, DE vs Indianapolis, IN

Category	Wilmington, DE	Indianapolis, IN	Difference	Change
🛒Groceries	$1,066/mo	$919/mo	↓ $147less	13.8%
🚗Transportation	$1,325/mo	$1,188/mo	↓ $137less	10.3%
⚡All Utilities	$586/mo	$503/mo	↓ $83.08less	14.2%
📦Other	$1,655/mo	$1,590/mo	↓ $64.86less	3.9%
🏠Housing	$1,942/mo	$1,949/mo	↑ $7.39more	0.4%
🏥Healthcare	$586/mo	$582/mo	↓ $4.02less	0.7%

🛒Groceries

↓ 13.8%

Wilmington, DE

$1,066

Indianapolis, IN

$919

Difference

$147

less

🚗Transportation

↓ 10.3%

Wilmington, DE

$1,325

Indianapolis, IN

$1,188

Difference

$137

less

⚡All Utilities

↓ 14.2%

Wilmington, DE

$586

Indianapolis, IN

$503

Difference

$83.08

less

📦Other

↓ 3.9%

Wilmington, DE

$1,655

Indianapolis, IN

$1,590

Difference

$64.86

less

🏠Housing

↑ 0.4%

Wilmington, DE

$1,942

Indianapolis, IN

$1,949

Difference

$7.39

🏥Healthcare

↓ 0.7%

Wilmington, DE

$586

Indianapolis, IN

$582

Difference

$4.02

less

🏛️ Local Income Taxes

Wilmington, DE: Wilmington Earned Income Tax$1,875/yr (1.3%)

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

Net difference+$1,155/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$979

To$1,030

↑ $51.00

1 Bed

From$1,066

To$1,170

↑ $104

2 Bed

From$1,273

To$1,360

↑ $87.00

3 Bed

From$1,526

To$1,760

↑ $234

Wilmington, DEZIP-level data

1BR range: $1,300–$1,460/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.

$7,161

Monthly in Wilmington, DE

$6,732

Monthly in Indianapolis, IN

$428

Difference

Home Values

Wilmington

Indianapolis

$205K

Median Value

$176K

↑ +2.5%

YoY Change

↓ -1.1%

↑ +38.5%

5-Year Change

↑ +26.9%

$175K - $340K

Price Range

$109K - $340K

Homes in Indianapolis are 14% less expensive than Wilmington

Calculate payment - Wilmington Calculate payment - Indianapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.0K

Per year

Monthly Difference

$337

More take-home

Effective Rate Diff

2.7%

Rate difference

Wilmington, DE

Federal Income Tax

Effective: 18.9%

$25.5K

Delaware State Tax

Effective: 5.9%

$8.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,675/month

$104.1K

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

Wilmington, DE Tax Rates

Sales Tax:0.0%

Property Tax:0.6%

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.