Side-by-side cost of living comparison for 2026
49% cheaper
Indianapolis is 49% more affordable than San Jose. A $75,000 salary in San Jose is equivalent to $37,912 in Indianapolis.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Indiana salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Indianapolis has a housing index of 80 while San Jose sits at 308 (national average = 100). The median home in Indianapolis costs $220,000 compared to $1,300,000 in San Jose, a difference of $1,080,000. Monthly rent follows a similar pattern: $1,100 in Indianapolis versus $3,100 in San Jose.
Groceries and everyday expenses show a notable difference: Indianapolis scores 98 while San Jose scores 110.
Healthcare costs in Indianapolis (96) are lower than San Jose (112).
Median household income in Indianapolis is $49,968 compared to $117,324 in San Jose. When adjusted for cost of living, income goes further in Indianapolis.
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