

Ames vs Indianapolis
$67/mo more in Indianapolis
AmesIndianapolisAbout 425 miles apart, close enough to drive.
- Indianapolis leaves you more
- Rent under 30% of pay
- Real winters
Same paycheck, two cities. $2,468/mo in Indianapolis. $2,401/mo in Ames. +$804 a year.
Ames
$2,401
left each month
Indianapolis
$2,468
+$67 vs Ames
Compare
Same paycheck, another city.
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+$67 / mo
See full breakdown
| Per month | Ames | Indianapolis | Difference |
|---|---|---|---|
| Gross pay | $6,208 | $7,400 | +$1,192 |
| Income and payroll tax | $1,332 | $1,864 | +$533 |
| Take-home pay | $4,877 | $5,536 | +$659 |
| Rent | $760 | $1,189 | +$429 |
| Getting around | $457 | $545 | +$88 |
| Groceries | $347 | $368 | +$21 |
| Healthcare | $391 | $414 | +$23 |
| Utilities | $217 | $230 | +$13 |
| Everything else | $304 | $322 | +$18 |
| Left over | $2,401 | $2,468 | +$67 |
Salary to match Ames
$87,500
Gross pay in Indianapolis that leaves the same amount as $74,500 in Ames.
Tax difference
−$2,152
A year, in state and local income tax. Effective rates: 21.4% in Ames, 25.2% in Indianapolis.
More about Indianapolis
Ames, IA in full
A flat 3.8% state income tax, a median 2-bedroom asking rent of $905 and 207 sunny days; commutes average 19 minutes.
Indianapolis, IN in full
Cheap housing, a 3% flat state tax, and a short commute.
The other way
Start in Indianapolis.
Indianapolis → Ames →Questions
Is the cost of living lower in Indianapolis than Ames?
For one adult in a one-bedroom, Indianapolis leaves about $67 more a month. A one-bedroom is about $760 in Ames and $1,189 in Indianapolis.
Does Indianapolis have state income tax?
Indianapolis is in Indiana, which taxes wage income, plus a local wage tax of 2.02%.
What changes if you move from Ames to Indianapolis?
The paycheck is taxed in Indiana. Rent stays at the same bedroom count. What you keep is the difference.
Left over each month is take-home pay minus rent and the rest of the bills. The gap between Ames and Indianapolis changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Estimate, not a quote. How we figure this.