Indianapolis, IN vs Chicago, IL
Moving from Indianapolis to Chicago? Here's what changes — from your equivalent salary to housing ($295,921 → $353,998 median home) and taxes.
Indianapolis vs Chicago at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Indianapolis, IN, you'd need about $110,571 in Chicago, IL (+$10,571).
Livability — Indianapolis, IN: 71 · Chicago, IL: 63 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,211 sqft in Indianapolis vs 2,402 sqft in Chicago ($156 vs $208 per sqft).
Annual cost breakdown (at $100,000)
| Category | Indianapolis, IN | Chicago, IL | Difference |
|---|---|---|---|
| Housing | $18,636 | $27,192 | +$8,556 |
| Groceries | $4,740 | $5,215 | +$475 |
| Transportation | $3,250 | $3,550 | +$300 |
| Utilities | $4,992 | $4,800 | −$192 |
| Insurance | $180 | $180 | +$0 |
| Taxes | $7,470 | $8,051 | +$581 |
| Total | $39,268 | $48,988 | +$9,720 |
Effective state & local tax rate on $100,000 — Indianapolis, IN: 7.5% · Chicago, IL: 8.1% (income + local + sales + property tax where applicable ÷ income)
Assumptions: 500 gal gasoline/yr · $5000 base annual grocery · 35% of income sales-taxable. Renter: housing = median rent, renter's insurance, no property tax.
Side by side
| Metric | Indianapolis, IN | Chicago, IL |
|---|---|---|
| Cost-of-living index | 94.7 | 102.5 |
| Unemployment rate | 4.28% | 6.19% |
| Population growth (5-yr) | 6.1% | 0.2% |
| Air quality (median AQI) | 55 | 56 |
| Big Mac price (est.) | $5.39 | $5.83 |
| Median home price | $295,921 | $353,998 |
| Home price ÷ income | 4.0× | 4.2× |
| 1-yr home appreciation | 1.3% | 4.4% |
| Price per square foot | $156 | $208 |
| Median rent | $1,553 | $2,266 |
| Total tax burden (state avg, Tax Foundation) | 9.3% | 12.9% |
| Combined sales tax | 7.00% | 8.86% |
| Capital gains tax | 3.05% | 4.95% |
| Property tax rate | 0.84% | 2.11% |
| Life expectancy at birth | 75.6 yrs | 78.2 yrs |
| Healthcare (annual) | $6,600 | $6,800 |
| Uninsured (share of residents) | 7.7% | 8.4% |
| Primary care providers / 100k | 86 | 85 |
| Childcare (annual, infant) | $12,000 | $14,000 |
| Vehicle property tax | 1.20% | None |
| Days per year ≥ 90°F | 10 | 18 |
| Days per year ≥ 100°F | 0 | 1 |
| Homes with air conditioning (state) | 94% | 96% |
| Avg commute (min) | 25 | 31 |
| Commute by driving alone | 74.5% | 63.6% |
| Home insurance / yr | $1,600 | $1,900 |
| Auto insurance / yr | $1,400 | $1,600 |
| FEMA risk index (0–100, higher = more risk) | 83.9 — Relatively Moderate | 97.1 — Relatively High |
| Flood insurance / yr | $600 | $700 |
| Earthquake insurance / yr | $100 | $300 |
| Electricity ¢/kWh | 17.9 | 20.5 |
| Gas $/gal | 3.30 | 3.60 |
| Natural gas / mo | $72 | $82 |
| Water & sewer / mo | $102 | $57 |
| Home internet / mo | $81 | $77 |
| Violent crime /100k (state avg) | 360 | 430 |
| Avg summer high °F | 86 | 85 |
| Avg winter low °F | 20 | 15 |
| Annual precipitation (in) | 43.6 | 40.9 |
| Annual snowfall (in) | 25.5 | 38.8 |
| Sunshine (% possible) | 55% | 54% |
| Permit difficulty (1–5) | 2 | 4 |
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