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Cost of Living: San Francisco, CA vs Indianapolis, IN

A data-driven comparison of housing, groceries, transportation, taxes, job market and more. See which city gives you more for your money.

38.5% Indianapolis, IN is cheaper overall
61.9% 61.9% cheaper housing
17.4% 17.4% cheaper groceries
Updated April 2026 · Data: Bureau of Labor Statistics, U.S. Census Bureau National average = 100

At a Glance

🏠 Housing 61.9% cheaper
San Francisco
210
Indianapolis
80
🛒 Groceries 17.4% cheaper
San Francisco
115
Indianapolis
95
🚗 Transportation 23.4% cheaper
San Francisco
128
Indianapolis
98
🏥 Healthcare 18.6% cheaper
San Francisco
118
Indianapolis
96
⚡ Utilities 10.2% cheaper
San Francisco
108
Indianapolis
97

Detailed Breakdown

Category San Francisco, CA Indianapolis, IN Difference
Overall Cost Index1489138.5% less
Housing2108061.9% less
Median 1BR Rent$3,000$1,05065.0% less
Median Home Price$1,250,000$230,00081.6% less
Groceries1159517.4% less
Transportation1289823.4% less
Healthcare1189618.6% less
Utilities1089710.2% less

Tax Comparison

Tax Type San Francisco, CA Indianapolis, IN
State Income Tax13.30% (top)3.05%
State Sales Tax7.25%7.00%
Avg Property Tax Rate0.71%0.75%
Estate / Inheritance TaxNoneNone

What You'd Need to Earn

San Francisco, CA
$130,000
Median household income
Indianapolis, IN
$60,000
Median household income
⚠️ Heads up: Indianapolis costs more but median income is lower. You may need to earn more to maintain the same standard of living.

Salary Equivalent Calculator

Find out what you'd need to earn in Indianapolis to maintain your San Francisco lifestyle.

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Based on overall cost index: San Francisco (148) vs Indianapolis (91). This is an estimate for comparison purposes.

Job Market Snapshot

Unemployment Rate
San Francisco3.8%
Indianapolis3.9%
Job Growth (YoY)
San Francisco3.2%
Indianapolis2.6%
Top Industries
San FranciscoTech, Biotech, Finance
IndianapolisPharma, Logistics, Motorsports

Quality of Life

Avg Commute
San Francisco34 min
Indianapolis24 min
Walk Score
San Francisco87
Indianapolis31
Air Quality (AQI)
San Francisco42
Indianapolis42
Avg Temperature
San Francisco57°F
Indianapolis53°F
Population
San Francisco808,437
Indianapolis887,642

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Planning Your Move?

Here are some helpful resources if you're considering relocating.

🏠 Find ApartmentsBrowse rentals in San Francisco and Indianapolis → 🚚 Get Moving QuotesCompare prices from top movers → 📈 Check Home ValuesSee real estate trends in both cities → 💼 Search JobsFind open positions in Indianapolis →

Compare Other Cities

San Francisco vs Austin → San Francisco vs Denver → San Francisco vs Nashville → Indianapolis vs Raleigh → Indianapolis vs Portland → Indianapolis vs Phoenix →

Frequently Asked Questions

Is San Francisco or Indianapolis cheaper to live in?+
Indianapolis is the more affordable option overall. The biggest difference is in housing costs, where the gap is about 61.9%. Day-to-day expenses like groceries and transportation are closer between the two cities.
How much is rent in San Francisco vs Indianapolis?+
A typical one-bedroom apartment costs around $3,000/month in San Francisco and $1,050/month in Indianapolis — a difference of about $1,950 per month.
Which city has lower taxes, San Francisco or Indianapolis?+
California has a state income tax of 13.30% (top) and sales tax of 7.25%. Indiana has a state income tax of 3.05% and sales tax of 7.00%. Consider all tax types together when evaluating total tax burden, as states with no income tax often compensate with higher sales or property taxes.
Can I afford to move from San Francisco to Indianapolis?+
Median household income in San Francisco is $130,000 compared to $60,000 in Indianapolis. Use the salary calculator above to see what you'd need to earn to maintain your current standard of living.
What about buying a home in San Francisco vs Indianapolis?+
The median home price in San Francisco is $1,250,000 versus $230,000 in Indianapolis — a difference of $1,020,000. Property tax rates also differ: California averages 0.71% while Indiana averages 0.75%.