Indiana vs Rhode Island Paycheck Comparison 2026

Annual salary

$

Annual salary

$
Additional options (filing status, deductions)
Filing status
$
$

You take home $600/yr more in Indiana

$50/mo · $23/paycheck more

Indiana
Rhode Island

$59,380/yr in Indiana vs $58,780/yr in Rhode Island.

Indiana

Take-home per paycheck

$2,283.85

$59,380/yr · 26x/yr

Federal tax$7,67010%
State tax$2,2133%
Social Security$4,6506%
Medicare$1,0881%
Take-home$59,38079%
Tax rates
Effective: 20.8%Marginal fed: 22.0%Marginal state: 2.9%

Rhode Island

Take-home per paycheck

$2,260.77

$58,780/yr · 26x/yr

Federal tax$7,67010%
State tax$2,8134%
Social Security$4,6506%
Medicare$1,0881%
Take-home$58,78078%
Tax rates
Effective: 21.6%Marginal fed: 22.0%Marginal state: 3.8%

Cost of living comparison

Cost of living in Indiana is 18% lower than in Rhode Island.

At a $75,000 salary, take-home pay of $59,380 in Indiana has the purchasing power of $48,652 in Rhode Island terms.

After adjusting for cost of living, Rhode Island comes out ahead by $10,128/yr.

Housing
Median home$230,000vs$440,000
Indiana
Rhode Island
91% more
Avg 2BR rent$1,056/movs$1,611/mo
Indiana
Rhode Island
53% more
Groceries
Index
Indiana
Rhode Island
2% more
Transportation
Regular gas$3.49/galvs$3.40/gal
Indiana
3% more
Rhode Island
Utilities
Electric bill$101/movs$214/mo
Indiana
Rhode Island
112% more
Healthcare
Index
Indiana
Rhode Island
5% more
Childcare & Misc
Infant childcare$14,471/yrvs$16,758/yr
Indiana
Rhode Island
16% more

Estimate based on 2026 tax rates and standard deductions. Does not include local taxes, itemized deductions, tax credits, or other individual circumstances.

Tax system comparison

Indiana: Indiana has a flat state income tax of 2.95%. All taxable income is taxed at the same rate.

Rhode Island: Rhode Island uses a progressive income tax with 3 brackets ranging from 3.75% to 5.99%.

Take-home pay at different salaries (single filer, 2026)

Salary Indiana take-home Rhode Island take-home Difference
$50,000 $40,880 $40,480 + $400
$75,000 $59,380 $58,780 + $600
$100,000 $76,230 $75,205 + $1,026
$150,000 $109,366 $107,441 + $1,926
$200,000 $143,027 $139,905 + $3,122
$300,000 $206,327 $200,164 + $6,162

Positive values mean higher take-home in Indiana. Assumes single filer, no deductions.

FAQ

Which state has lower taxes, Indiana or Rhode Island?

At a $100,000 salary, Indiana results in $1,026 more annual take-home pay. Indiana has a flat state income tax of 2.95%. All taxable income is taxed at the same rate. Rhode Island uses a progressive income tax with 3 brackets ranging from 3.75% to 5.99%.

How much more do you take home in Indiana vs the other state?

The difference depends on salary. At $50,000, the gap is $400/yr. At $150,000, it grows to $1,926/yr. At $300,000, the difference is $6,162/yr.

Do Indiana and Rhode Island have the same federal taxes?

Yes. Federal income tax, Social Security, and Medicare are the same in every state. Only state income tax differs. This calculator shows the combined effect of federal and state taxes on your take-home pay.

Is it cheaper to live in Indiana or Rhode Island?

Indiana is cheaper to live in. Cost of living in Indiana is 10% lower than in Rhode Island. Indiana's Regional Price Parity is 90.6 and Rhode Island's is 100.9 (US average = 100).

Is Indiana cheaper than Rhode Island?

Yes. Indiana has a lower cost of living than Rhode Island (index 90.6 vs 100.9). Housing is typically the biggest difference between the two states.

Is Rhode Island more expensive than Indiana?

Yes. Rhode Island has a higher cost of living (index 100.9) compared to Indiana (index 90.6). The national average is 100. Housing costs are typically the largest driver of the difference.

After cost of living, which state is actually cheaper?

At a $100,000 salary, take-home pay of $76,230 in Indiana has the purchasing power of $68,448 in Rhode Island terms. Conversely, $75,205 in Rhode Island equals $83,754 in Indiana terms. After adjusting for both taxes and cost of living, Rhode Island comes out ahead.

Indiana vs Rhode Island cost of living — what's the difference?

The overall cost of living is 10% different between Indiana and Rhode Island. Living costs are 9% below the national average Living costs are about 1% above the national average After taxes and cost of living, Rhode Island gives you more purchasing power on a $100,000 salary.

Do I need to file state tax returns in both Indiana and Rhode Island?

Indiana requires residents to file a state income tax return annually, typically due April 15. Rhode Island requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there. Each state has its own tax return form — check your state's department of revenue website for the correct form and e-filing options.

Related tools

Indiana Paycheck Estimator · Rhode Island Paycheck Estimator · All states