Pensacola, FL vs Indianapolis, IN
Moving from Pensacola to Indianapolis? Here's what changes — from your equivalent salary to housing ($310,470 → $295,921 median home) and taxes.
Pensacola 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 Pensacola, FL, you'd need about $98,749 in Indianapolis, IN (−$1,251).
Livability — Pensacola, FL: 70 · Indianapolis, IN: 71 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,980 sqft in Pensacola vs 3,211 sqft in Indianapolis ($168 vs $156 per sqft).
Annual cost breakdown (at $100,000)
| Category | Pensacola, FL | Indianapolis, IN | Difference |
|---|---|---|---|
| Housing | $21,180 | $18,636 | −$2,544 |
| Groceries | $4,813 | $4,740 | −$73 |
| Transportation | $4,800 | $3,250 | −$1,550 |
| Utilities | $1,656 | $1,932 | +$276 |
| Insurance | $4,200 | $1,600 | −$2,600 |
| Taxes | $3,897 | $7,367 | +$3,470 |
| Total | $40,546 | $37,525 | −$3,021 |
Side by side
| Metric | Pensacola, FL | Indianapolis, IN |
|---|---|---|
| Cost-of-living index | 95.8 | 94.7 |
| Unemployment rate | 5.65% | 4.28% |
| Population growth (5-yr) | 7.0% | 6.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.45 | $5.39 |
| Median home price | $310,470 | $295,921 |
| Home price ÷ income | 4.5× | 4.0× |
| 1-yr home appreciation | 0.7% | 1.3% |
| Price per square foot | $168 | $156 |
| Median rent | $1,765 | $1,553 |
| Total tax burden (% income) | 9.1% | 9.3% |
| Combined sales tax | 7.02% | 7.00% |
| Capital gains tax | None | 3.05% |
| Property tax rate | 0.62% | 0.84% |
| Healthcare (annual) | $7,500 | $6,600 |
| Childcare (annual, infant) | $10,000 | $12,000 |
| Vehicle property tax | None | 1.20% |
| Avg commute (min) | 26 | 25 |
| Home insurance / yr | $4,200 | $1,600 |
| Auto insurance / yr | $2,900 | $1,400 |
| Flood insurance / yr | $1,400 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.4 | 17.9 |
| Gas $/gal | 3.35 | 3.30 |
| Natural gas / mo | $38 | $72 |
| Water & sewer / mo | $88 | $102 |
| Home internet / mo | $76 | $81 |
| Violent crime /100k | 380 | 360 |
| Avg summer high °F | 91 | 86 |
| Avg winter low °F | 52 | 20 |
| Annual precipitation (in) | 60.0 | 43.6 |
| Annual snowfall (in) | 0.0 | 25.5 |
| Sunshine (% possible) | 62% | 55% |
| Permit difficulty (1–5) | 3 | 2 |