Compare / Cincinnati to Indianapolis
Cincinnati, OH vs Indianapolis, IN
Simple answer
You'd likely save $94 a month in Cincinnati.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Fair Market Rent. The 2-bedroom Fair Market Rent gap is $94: Indianapolis is higher at $1,536 versus $1,442.
Ohio taxes wages at a flat 2.75%. Indiana taxes wages at a flat 2.95%. Combined sales tax differs by 0.3 percentage points, higher in Ohio. The effective property tax gap is 0.49 percentage points, higher in Ohio.
After a move from Ohio to Indiana, those two example households keep the same benefit status labels. A different income can still split Medicaid and marketplace credits.
A $75,000 salary in Cincinnati lines up with about $75,256 in Indianapolis on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Cincinnati
Cincinnati, OH-KY-IN
- 2-bedroom Fair Market Rent
- $1,442
- HUD area
- Cincinnati, OH-KY-IN HUD Metro FMR Area
- Census median gross rent
- $1,203
- All-items price parity
- 95.4
- Goods price parity
- 93.8
- Utilities price parity
- 91.0
- Mean commute
- 25.1 min
- Median household income
- $81,489
Indianapolis
Indianapolis-Carmel-Greenwood, IN
- 2-bedroom Fair Market Rent
- $1,536
- HUD area
- Indianapolis-Carmel, IN HUD Metro FMR Area
- Census median gross rent
- $1,273
- All-items price parity
- 95.7
- Goods price parity
- 94.3
- Utilities price parity
- 86.4
- Mean commute
- 25.6 min
- Median household income
- $80,239
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$75,256
Salary in Indianapolis that matches the 2024 all-items regional price parity.
$75,699
Gross salary in Indianapolis whose after-tax pay buys the same basket, using price parities.
$79,889
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Ohio | Indiana |
|---|---|---|
| State income tax on wages | 2.75% flat | 2.95% flat |
| Combined sales tax, Jan 1, 2026 | 7.3% | 7.0% |
| Effective property tax, ACS 2024 median / median | 1.22% | 0.74% |
On a $400,000 home, the state median effective rate implies about $4,899 a year in Ohio and $2,954 in Indiana. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Indiana
Same household, $40,000 a year, scored once in Ohio and once in Indiana. This is an illustration, not your application.
Food stamps (SNAP)
CincinnatiLikely eligible
IndianapolisLikely eligible
Medicaid and CHIP
CincinnatiLikely eligible
IndianapolisLikely eligible
WIC
CincinnatiLikely eligible
IndianapolisLikely eligible
School meals
CincinnatiLikely eligible
IndianapolisLikely eligible
LIHEAP
CincinnatiMaybe
IndianapolisMaybe
Earned Income Tax Credit
CincinnatiLikely eligible
IndianapolisLikely eligible
Child Tax Credit
CincinnatiLikely eligible
IndianapolisLikely eligible
Marketplace premium tax credits
CincinnatiUnlikely
IndianapolisUnlikely
Lifeline phone and internet
CincinnatiLikely eligible
IndianapolisLikely eligible
SSI
CincinnatiUnlikely
IndianapolisUnlikely
| Program | Cincinnati | Indianapolis |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Unlikely | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.
Related comparisons
From Cincinnati
The eight largest 2-bedroom Fair Market Rent gaps from Cincinnati.
- Cincinnati and San Francisco · rent gap $2,255
- Cincinnati and San Jose · rent gap $1,830
- Cincinnati and Boston · rent gap $1,566
- Cincinnati and New York · rent gap $1,529
- Cincinnati and Los Angeles · rent gap $1,522
- Cincinnati and San Diego · rent gap $1,381
- Cincinnati and Miami · rent gap $1,122
- Cincinnati and Seattle · rent gap $1,107
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.