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San Jose vs Indianapolis

Cost of living comparison — C2ER 2024-2025 data

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Indianapolis is 57% cheaper than San Jose overall.San Jose has a cost of living index of 210 vs Indianapolis at 90 (national average = 100). The biggest difference is housing San Jose costs 77% more.

Pierre
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San Jose
CA
210
COLI index
VS
Indianapolis
IN
90
COLI index

Category Breakdown

CategorySan JoseIndianapolisDifference
Overall COLI21090-57%
Housing39890-77%
Groceries118100-15%
Transport116101-13%
Healthcare107101-6%
Utilities120104-13%

Median 1BR Rent

San Jose
$2,850/mo
Indianapolis
$1,100/mo

Median Home Price

San Jose
$1,380,000
Indianapolis
$220,000

Median Household Income

San Jose
$130,890
Indianapolis
$54,261

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Frequently Asked Questions

Indianapolis is cheaper to live in overall. San Jose has a cost of living index of 210 while Indianapolis has an index of 90, where 100 represents the US national average. Indianapolis is 57% cheaper than San Jose overall.

The median 1-bedroom rent in San Jose is $2,850 per month compared to $1,100 in Indianapolis. The median home price in San Jose is $1,380,000 versus $220,000 in Indianapolis. Housing is typically the largest factor in cost of living differences between cities.

San Jose has a cost of living index of 210 and Indianapolis has an index of 90, both measured against a US national average of 100. An index above 100 means more expensive than the national average — below 100 means cheaper.

To maintain the same purchasing power as a salary in San Jose, multiply by 0.43. For example a $75,000 salary in San Jose is equivalent to approximately $32,143 in Indianapolis.

San Jose has a median household income of $130,890 per year versus $54,261 in Indianapolis. Higher incomes must be weighed against cost of living. Use the Dayblip salary tools to see specific job salaries in both cities.

Whether moving from San Jose to Indianapolis is worthwhile depends on your salary, lifestyle, and priorities. Indianapolis is 57% cheaper overall — with the biggest difference in housing. Use the Dayblip cost of living calculator to enter your specific salary and see the exact dollar impact.

Last updated: June 2026

Methodology: Cost of living indices from C2ER Cost of Living Index 2024-2025. Rent data from Zillow December 2024. Home price data from Zillow Home Value Index December 2024. Household income from US Census Bureau ACS 2023. National average COLI = 100. Data updated annually.