Cost of Living: Indianapolis, IN vs Garland, TX (2026)

Indianapolis

Indiana
74
VS

Garland

Texas
96

Indianapolis is 23% cheaper than Garland.

$1,112/mo ↓ 27%
Median Rent
$1,525/mo ↑ 37%
$62,995/yr ↓ 16%
Median Income
$74,717/yr ↑ 19%
$207,000 ↓ 17%
Home Value
$248,900 ↑ 20%
$1,124/mo ↓ 22%
Owner Costs
$1,445/mo ↑ 29%
882,043
Population
245,298

Tax Comparison

3.05%
Income Tax
0%
7.0%
State Sales Tax
6.25%
0.83%
Property Tax
1.6%

Affordability

21.2%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Indianapolis, IN and Garland, TX, the overall cost of living indices are 74 and 96 respectively (national median = 100). Rent is $413/month cheaper in Indianapolis, saving renters about $4,956/year.

Median household income is $11,722/year higher in Garland. Home values also differ significantly — the median in Indianapolis is $207,000 compared to $248,900 in Garland.

Texas has no state income tax, giving Garland residents a significant tax advantage over Indiana's 3.05% rate.

Frequently Asked Questions

Indianapolis vs Garland — common questions

Is Indianapolis or Garland cheaper to live in?
Based on our cost index, Indianapolis is cheaper to live in with an index of 74 compared to 96 (US average = 100).
What is the rent difference between Indianapolis and Garland?
Median rent in Indianapolis is $1,112/month and in Garland it's $1,525/month — a difference of $413/month.
Which city has higher income, Indianapolis or Garland?
Median household income is $62,995 in Indianapolis and $74,717 in Garland. Median household income is $11,722/year higher in Garland.
How do taxes compare between Indiana and Texas?
Indiana has 3.05% income tax, 7.0% sales tax, and 0.83% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Indianapolis or Garland?
It depends on your priorities. Indianapolis has a cost index of 74 with median rent of $1,112/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Indianapolis details → View Garland details →

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