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Cost of Living Comparison 2026

๐Ÿ“ Winter Garden, FL โ€” ZIP-level rent data ยท COL adjusted from Orlando, FL area

$

Numbers update automatically as you type

You'd save $897/month moving to Indianapolis, IN

$150.0K in your current city equals $139.2K in Indianapolis, IN

Rent data from HUD ZIP-level estimates ยท COL index from Orlando-Kissimmee-Sanford, FL area
Overall Cost
โ†“ 12.0%
Less expensive
Monthly Impact
$897
Savings
Annual Impact
$10.8K
Per year

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

Winter Garden, FL

Population:47K
Cost Index:100
Median Home:$563K

Indianapolis, IN

Population:888K
Cost Index:88
Median Home:$176K

Winter Garden, FL

The Sunshine State

47K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 47K residents.

๐Ÿ’ก Advantage: Florida 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: Winter Garden, FL vs Indianapolis, IN

๐Ÿ Housing
โ†“ 16.5%
Winter Garden, FL
$2,334
Indianapolis, IN
$1,949
Difference
$384
less
๐Ÿ“ฆOther
โ†“ 8.3%
Winter Garden, FL
$1,734
Indianapolis, IN
$1,590
Difference
$144
less
๐Ÿ›’Groceries
โ†“ 7.9%
Winter Garden, FL
$998
Indianapolis, IN
$919
Difference
$78.99
less
โšกAll Utilities
โ†“ 10.5%
Winter Garden, FL
$562
Indianapolis, IN
$503
Difference
$59.25
less
๐Ÿš—Transportation
โ†“ 3.5%
Winter Garden, FL
$1,232
Indianapolis, IN
$1,188
Difference
$43.41
less
๐ŸฅHealthcare
โ†‘ 4.3%
Winter Garden, FL
$558
Indianapolis, IN
$582
Difference
$24.10
more

๐Ÿ›๏ธ Local Income Taxes

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

Winter Garden, FL has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$1,606
To$1,030
โ†“ $576
1 Bed
From$1,680
To$1,170
โ†“ $510
2 Bed
From$1,916
To$1,360
โ†“ $556
3 Bed
From$2,406
To$1,760
โ†“ $646
Winter Garden, FLZIP-level data

1BR range: $2,060โ€“$2,060/mo

Indianapolis, INZIP-level data

1BR range: $1,080โ€“$1,870/mo

๐Ÿ’ก 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 Winter Garden, FL
$6,732
Monthly in Indianapolis, IN
$686
Difference

Home Values

Winter Garden
Indianapolis
$563K
Median Value
$176K
โ†“ -3.9%
YoY Change
โ†“ -1.1%
โ†‘ +42.5%
5-Year Change
โ†‘ +26.9%
$563K
Price Range
$109K - $340K

Homes in Indianapolis are 69% less expensive than Winter Garden

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $4.8K
More taxes
Monthly Difference
$404
Less take-home
Effective Rate Diff
3.2%
Rate difference

Winter Garden, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
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

Winter Garden, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

Indianapolis, IN Tax Rates

Sales Tax:7.0%
Property Tax:0.9%

๐Ÿ’ก 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

Winter Garden
Indianapolis
41 Good
Air Quality
54 Moderate
75.6%
Good Air Days
36.6%
98 High
Climate Risk
97 High
๐ŸŒŠ๐ŸŒ€๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+2.3ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
58 days
Heat Days >95ยฐF
18 days
โ–ฒ+2.3ยฐF
2050 Outlook
โ–ฒ+3.1ยฐF
58 days
Heat Days >95ยฐF
18 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Florida and Indiana on TaxTakeHome.com

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