Modesto, CA vs Indianapolis, IN
Moving from Modesto to Indianapolis? Here's what changes — from your equivalent salary to housing ($468,302 → $295,921 median home) and taxes.
Modesto vs Indianapolis at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Modesto, CA, you'd need about $90,034 in Indianapolis, IN (−$9,966).
Livability — Modesto, CA: 52 · Indianapolis, IN: 71 (0–100).
What your home budget buys
A $500,000 home budget gets you about 1,602 sqft in Modesto vs 3,211 sqft in Indianapolis ($312 vs $156 per sqft).
Annual cost breakdown (at $100,000)
| Category | Modesto, CA | Indianapolis, IN | Difference |
|---|---|---|---|
| Housing | $24,624 | $18,636 | −$5,988 |
| Groceries | $5,247 | $4,740 | −$507 |
| Transportation | $5,125 | $3,250 | −$1,875 |
| Utilities | $3,804 | $1,932 | −$1,872 |
| Insurance | $1,500 | $1,600 | +$100 |
| Taxes | $19,239 | $7,367 | −$11,872 |
| Total | $59,539 | $37,525 | −$22,014 |
Side by side
| Metric | Modesto, CA | Indianapolis, IN |
|---|---|---|
| Cost-of-living index | 105.1 | 94.7 |
| Unemployment rate | 8.16% | 4.28% |
| Population growth (5-yr) | 3.1% | 6.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.98 | $5.39 |
| Median home price | $468,302 | $295,921 |
| Home price ÷ income | 6.3× | 4.0× |
| 1-yr home appreciation | -0.8% | 1.3% |
| Price per square foot | $312 | $156 |
| Median rent | $2,052 | $1,553 |
| Total tax burden (% income) | 13.5% | 9.3% |
| Combined sales tax | 8.82% | 7.00% |
| Capital gains tax | 13.30% | 3.05% |
| Property tax rate | 0.73% | 0.84% |
| Healthcare (annual) | $7,200 | $6,600 |
| Childcare (annual, infant) | $19,000 | $12,000 |
| Vehicle property tax | 0.65% | 1.20% |
| Avg commute (min) | 31 | 25 |
| Home insurance / yr | $1,500 | $1,600 |
| Auto insurance / yr | $2,400 | $1,400 |
| Flood insurance / yr | $750 | $600 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 17.9 |
| Gas $/gal | 4.85 | 3.30 |
| Natural gas / mo | $72 | $72 |
| Water & sewer / mo | $138 | $102 |
| Home internet / mo | $83 | $81 |
| Violent crime /100k | 500 | 360 |
| Avg summer high °F | 84 | 86 |
| Avg winter low °F | 45 | 20 |
| Annual precipitation (in) | 13.5 | 43.6 |
| Annual snowfall (in) | 0.0 | 25.5 |
| Sunshine (% possible) | 75% | 55% |
| Permit difficulty (1–5) | 5 | 2 |