Moving to Indiana from New York

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What to Expect

Considering a move from New York to Indiana? Here's how the two compare on cost, climate, safety, and more.

If you moved from New York to Indiana, you would find that Indiana is 18.8% cheaper than New York. A $75,000 salary in New York would need to be roughly $60,037 in Indiana to maintain the same lifestyle.

How Far Will Your Money Go?

A breakdown of how everyday costs differ between New York and Indiana.

What does your salary buy?

$75,000 $60,037

To maintain the same standard of living in Indiana

Calculate with your salary →

How key spending categories compare

Restaurants

pay 11.1% less

Groceries

pay 23.1% less

Transportation

pay 20.1% less

Housing

pay 16.0% less

Childcare

pay 25.1% less

Entertainment and Sports

pay 27.8% less

See full cost of living breakdown

Data: MyLifeElsewhere's crowdsourced cost of living database, with prices submitted and updated by users worldwide. Exchange rates are refreshed regularly from public sources.

Cost of living by city

Cost of living varies a lot by city. Each figure is a city's overall cost of living as a percentage of New York City (the priciest, = 100%).

On average, cities in Indiana cost about 23% less than cities in New York.

Compare cities head-to-head

Key Indicator Comparison

The numbers behind daily life in Indiana compared to New York.

Is it safe?

Violent crime rateFBI Uniform Crime Reporting, 2023

incidents per 100,000 people per year

NY
381
IN
327
Property crime rateFBI Uniform Crime Reporting, 2023

incidents per 100,000 people per year

NY
1760
IN
1519

Indiana performs significantly better than New York across all safety metrics.

How's the healthcare?

Uninsured rateUS Census Bureau (American Community Survey), 2023

share of people without health insurance

NY
5.0%
IN
7.3%
Adult obesity rateCenters for Disease Control and Prevention (PLACES), 2022

share of adults with obesity

NY
29.9%
IN
38.5%

New York performs better than Indiana across all health & wellbeing metrics.

What about housing?

Median home valueUS Census Bureau (American Community Survey), 2023

typical price of a home

NY
$403,000
IN
$201,600
Median rentUS Census Bureau (American Community Survey), 2023

typical monthly gross rent

NY
$1,576
IN
$1,020

Indiana performs significantly better than New York across all what about housing? metrics.

Will I have good infrastructure?

Internet accessUS Census Bureau (American Community Survey), 2023

share of households with internet

NY
89.7%
IN
88.5%
Average commuteUS Census Bureau (American Community Survey), 2023

minutes each way to work

NY
33 min
IN
24 min

New York generally does better on infrastructure, though Indiana leads in average commute.

What are the job prospects?

Unemployment rateBureau of Labor Statistics, 2025

percentage of the labour force without work

NY
4.4%
IN
2.7%
GDP per capitaBureau of Economic Analysis, 2024

a broad measure of economic output per person

NY
$91,992
IN
$59,083

New York generally does better on employment & economy, though Indiana leads in unemployment rate.

Is it good for families?

Life expectancyOECD Regional Demography, 2020

average years of life at birth

NY
77.7 yrs
IN
75.0 yrs
Bachelor's degree or higherUS Census Bureau (American Community Survey), 2023

share of adults with a 4-year college degree

NY
28%
IN
19%

New York performs better than Indiana across all family life metrics.

Data: Bureau of Economic Analysis, Bureau of Labor Statistics, Centers for Disease Control and Prevention (PLACES), FBI Uniform Crime Reporting, OECD Regional Demography, US Census Bureau (American Community Survey)

What's the Climate Like?

Monthly averages — select a city to compare.

AlbanyRain: 39.4 in/yr (1000 mm)
58°/39°F

Avg. annual high / low

IndianapolisRain: 40.8 in/yr (1036 mm)
62°/44°F

Avg. annual high / low

MonthsAlbanyIndianapolis
Jan–Mar37°/19°F (2°/-7°C)42°/26°F (6°/-3°C)
Apr–Jun68°/47°F (20°/8°C)72°/53°F (22°/12°C)
Jul–Sep78°/58°F (26°/14°C)81°/63°F (27°/17°C)
Oct–Dec48°/31°F (9°/-1°C)51°/35°F (11°/2°C)
View all months
MonthAlbanyIndianapolis
Jan31°/15°F (-0.8°/-9.7°C)35°/21°F (1.7°/-6.1°C)
Feb35°/17°F (1.4°/-8.2°C)40°/24°F (4.4°/-4.4°C)
Mar44°/26°F (6.9°/-3.5°C)51°/33°F (10.8°/0.8°C)
Apr58°/37°F (14.6°/2.9°C)63°/44°F (17.1°/6.4°C)
May69°/47°F (20.8°/8.4°C)72°/53°F (22.5°/11.7°C)
Jun78°/56°F (25.5°/13.6°C)81°/63°F (27.4°/17.4°C)
Jul82°/61°F (27.9°/16.3°C)84°/67°F (28.8°/19.2°C)
Aug80°/60°F (26.9°/15.5°C)83°/65°F (28.4°/18.3°C)
Sep72°/52°F (22.3°/10.9°C)77°/57°F (25.1°/13.9°C)
Oct60°/40°F (15.4°/4.2°C)64°/45°F (18.0°/7.3°C)
Nov48°/31°F (8.8°/-0.3°C)52°/36°F (11.0°/2.3°C)
Dec36°/21°F (2.1°/-6.0°C)38°/25°F (3.6°/-3.9°C)

Data: National Weather Service National Weather Service

Frequently Asked Questions

Is it cheaper to live in Indiana than New York?

On average Indiana is about 20% less expensive than New York, with major cities narrowing the gap.

How much money do I need to move to Indiana?

Budget about $15,009 for 3 months in Indiana (based on a $75,000 comparable annual salary), then add the one-off costs: movers, a truck rental, and a rental deposit.

Is Indiana safe?

Indiana performs significantly better than New York across all safety metrics.

How is healthcare in Indiana compared to New York?

New York performs better than Indiana across all health & wellbeing metrics.

What's the weather like in Indiana compared to New York?

The average high temperature in Indianapolis is 62°F, compared to 58°F in Albany. Indianapolis receives around 40.8 in of rainfall per year, while Albany gets 39.4 in.

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