California vs Indiana Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$52,411
in California
$82,690
in Indiana
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | California | Indiana | Difference |
|---|---|---|---|
| Housing | 199.4 | 75.4 | +164% |
| Groceries | 109.3 | 99.2 | +10% |
| Utilities | 140.5 | 95.0 | +48% |
| Transportation | 136.8 | 101.0 | +35% |
| Healthcare | 104.2 | 96.3 | +8% |
| Dining & Misc | 116.6 | 95.8 | +22% |
| Overall | 143.1 | 90.7 | +58% |
Index values relative to national average (100). Positive difference = more expensive in California.
What things actually cost
| Item | California | Indiana | Difference |
|---|---|---|---|
| Median home price | $785,000 | $230,000 | +$555,000 |
| Average 2BR rent | $2,792/mo | $1,056/mo | +$1,736 |
| Gas price | $5.29/gal | $3.49/gal | +$1.80 |
| Electric bill | $240/mo | $101/mo | +$139 |
| Infant childcare | $21,945/yr | $14,471/yr | +$7,474 |
Salary equivalent: California → Indiana
What a California salary buys you in Indiana, adjusted for cost of living.
| Salary in California | Equivalent in Indiana | Difference |
|---|---|---|
| $50,000 | $31,691 | +$18,309 |
| $75,000 | $47,537 | +$27,463 |
| $100,000 | $63,382 | +$36,618 |
| $150,000 | $95,073 | +$54,927 |
| $200,000 | $126,765 | +$73,235 |
Positive = your money goes further in Indiana. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
California is 58% more expensive than Indiana overall. California has an index of 143.1 vs 90.7 for Indiana (national average = 100).
FAQ
Is it cheaper to live in California or Indiana?
Indiana is cheaper to live in. California is 58% more expensive overall. The biggest driver is housing — median home prices are $785,000 in California vs $230,000 in Indiana.
Is Indiana cheaper than California?
Yes, Indiana is 58% cheaper than California overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is California more expensive than Indiana?
Yes, California is 58% more expensive than Indiana based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Indiana equals $100,000 in California?
To maintain the same purchasing power as a $100,000 salary in California, you would need approximately $63,382 in Indiana. This is based on the overall cost-of-living index (143.1 vs 90.7).
How do housing costs compare between California and Indiana?
Housing is significantly cheaper in Indiana. Median home prices are $785,000 in California vs $230,000 in Indiana — a $555,000 difference. Average 2-bedroom rent is $2,792/mo vs $1,056/mo.
What costs more in California vs Indiana?
Housing is 164% higher in California (index 199.4 vs 75.4). Utilities is 48% higher in California (index 140.5 vs 95). Transportation is 35% higher in California (index 136.8 vs 101).
Is gas cheaper in California or Indiana?
Gas averages $5.29/gallon in California and $3.49/gallon in Indiana — a $1.80 difference per gallon.
California vs Indiana cost of living — how do they compare?
California has an overall cost-of-living index of 143.1 and Indiana has 90.7 (national average = 100). California is 58% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between California and Indiana?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. Use the California vs Indiana paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- California Cost of Living — Housing, groceries, gas, and more
- Indiana Cost of Living — Housing, groceries, gas, and more
- California vs Indiana Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in California — How much house can you afford?
- House Affordability in Indiana — How much house can you afford?
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.