Last update: Nov 2026

Cost of Living Comparison Between Indianapolis, IN and Oshawa

For one person, living is cheaper in Oshawa: $2,370 a month against $2,689 in Indianapolis, IN, rent and utilities included – about $3,800 less a year. Rent and utilities account for about half of the difference.

129

Cost of Living Index in Indianapolis, IN
Learn more

Indianapolis, IN Living Index
113

Cost of Living Index in Oshawa
Learn more

Oshawa Living Index

Jump to prices

Indianapolis, IN

🇺🇸 United States

$2,689

/mo nomad

Oshawa

🇨🇦 Canada

$2,370

/mo nomad

Monthly Cost of Living

How much you'll spend in Indianapolis, IN and in Oshawa

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Indianapolis, IN and in Oshawa actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,689 in Indianapolis, IN versus $2,370 in Oshawa.

Indianapolis, IN $2,689
Oshawa $2,370

Estimated couple costs with rent: $3,862 in Indianapolis, IN versus $3,414 in Oshawa.

Indianapolis, IN $3,862
Oshawa $3,414

Monthly costs for a family of three with rent: $5,035 in Indianapolis, IN versus $4,457 in Oshawa.

Indianapolis, IN $5,035
Oshawa $4,457

Living in Indianapolis, IN is roughly 13% more expensive than in Oshawa, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Indianapolis, IN 99% above, Oshawa 75% above.

Meal at Budget Restaurant

$20.10 $20.10

$14.25 CA$19.90

41.05%

Three-Course Dinner for Two, Mid-Range

$80.3 $80.3

$63.6 CA$88.7

26.35%

Fast Food Meal (McDonalds, etc)

$12.03 $12.03

$8.33 CA$11.63

44.42%

Cappuccino

$5.54 $5.54

$3.54 CA$4.95

56.50%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.14 $3.14

$1.77 CA$2.47

77.40%

Water (0.33 liter bottle)

$2.66 $2.66

$1.36 CA$1.90

95.59%

Local Beer (0.5 liter draught)

$6.39 $6.39

$4.86 CA$6.79

31.48%

Imported Beer (0.33 liter bottle)

$8.17 $8.17

$6.04 CA$8.43

35.26%

Milk (1 liter)

$0.90 $0.90

$2.91 CA$4.06

-69.07%

White Bread (500g)

$3.39 $3.39

$2.91 CA$4.06

16.49%

Rice (white) (1kg)

$4.86 $4.86

$4.12 CA$5.75

17.96%

Eggs

$3.63 $3.63

$2.97 CA$4.14

22.22%

Local Cheese (1kg)

$12.15 $12.15

$10.14 CA$14.15

19.82%

Chicken Fillets (1kg)

$12.57 $12.57

$13.74 CA$19.19

-8.52%

Beef Round Steak (1kg)

$17.22 $17.22

$16.60 CA$23.17

3.73%

Apples (1kg)

$5.41 $5.41

$4.20 CA$5.87

28.81%

Banana (1kg)

$1.51 $1.51

$1.22 CA$1.70

23.77%

Oranges (1kg)

$4.79 $4.79

$2.94 CA$4.10

62.93%

Tomato (1kg)

$4.31 $4.31

$3.84 CA$5.36

12.24%

Potato (1kg)

$2.44 $2.44

$3.36 CA$4.69

-27.38%

Onion (1kg)

$2.95 $2.95

$2.57 CA$3.59

14.79%

Lettuce (1 head)

$2.38 $2.38

$2.35 CA$3.28

1.28%

Water (1.5 liter bottle)

$2.52 $2.52

$1.73 CA$2.41

45.66%

Cigarettes 20 Pack (Marlboro, Camel)

$11.31 $11.31

$14.29 CA$19.95

-20.85%

Wine (Bottle)

$15.42 $15.42

$12.63 CA$17.63

22.09%

Local Beer (0.5 liter bottle)

$2.04 $2.04

$3.53 CA$4.92

-42.21%

Imported Beer (0.33 liter bottle)

$3.58 $3.58

$3.49 CA$4.87

2.58%

One-way Ticket (Public Transport)

$1.71 $1.71

$2.82 CA$3.94

-39.36%

Public Transport Monthly Pass (Regular Price)

$59.3 $59.3

$87.1 CA$122

-31.99%

Taxi Start (Normal Tariff)

$1.97 $1.97

$2.74 CA$3.82

-28.10%

Taxi (Normal Tariff) (1km)

$1.74 $1.74

$1.44 CA$2.00

20.83%

Taxi 1hour Waiting (Normal Tariff)

$33.87 $33.87

$19.58 CA$27.33

72.98%

Gasoline (1 liter)

$1.01 $1.01

$1.24 CA$1.74

-18.55%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$31.0K $31.0K

$28.8K CA$40.2K

7.70%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.4K $26.4K

$22.9K CA$32.0K

15.33%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$233 $233

$139 CA$194

67.92%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$62.0 $62.0

$37.94 CA$53.0

63.47%

Internet (50+ Mbps, Unlimited Data)

$63.6 $63.6

$54.3 CA$75.9

16.99%

Gym Membership (Monthly)

$37.02 $37.02

$22.91 CA$31.98

61.59%

Tennis Court (1 Hour on Weekend)

$41.34 $41.34

$29.28 CA$40.87

41.19%

Cinema Ticket

$15.01 $15.01

$10.86 CA$15.17

38.21%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,730 $1,730

$922 CA$1,287

87.63%

International Primary School, 1 Child (Yearly)

$25.9K $25.9K

$8,083 CA$11.3K

220.34%

Jeans (Levis 501 Or Similar)

$57.5 $57.5

$58.3 CA$81.4

-1.32%

Summer Dress (H&M, Zara, etc)

$45.22 $45.22

$57.7 CA$80.5

-21.59%

Sport Shoes (Adidas, Nike)

$112 $112

$107 CA$150

4.37%

Men's Leather Business Shoes

$145 $145

$129 CA$180

12.32%

1-bedroom Apartment, City Center (Monthly)

$1,685 $1,685

$1,400 CA$1,954

20.36%

1-bedroom Apartment, Outside City Center (Monthly)

$1,284 $1,284

$1,207 CA$1,685

6.35%

3-bedroom Apartment, City Center (Monthly)

$2,762 $2,762

$2,003 CA$2,795

37.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,922 $1,922

$1,824 CA$2,546

5.42%

Buy Apartment in City Center (m2)

$2,818 $2,818

$5,158 CA$7,200

-45.36%

Buy Apartment Outside City Center (m2)

$1,712 $1,712

$10.3K CA$14.4K

-83.43%

Average Monthly Net Salary (After Tax)

$4,105 $4,105

$3,049 CA$4,256

34.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.7

4.53

47.90%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Indianapolis, IN: November 3, 2026

Last update for Oshawa: October 31, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Indianapolis, IN

$1.3K 47.8%

Oshawa

$1.2K 50.9% 6% $77

Groceries & Markets

Indianapolis, IN

$406 15.1%

Oshawa

$390 16.5% 3.9% $16

Monthly Utilities & Internet

Indianapolis, IN

$359 13.4%

Oshawa

$231 9.8% 35.6% $128

Eating Out

Indianapolis, IN

$335 12.5%

Oshawa

$230 9.7% 31.2% $104

Clothing & Footwear

Indianapolis, IN

$162 6%

Oshawa

$158 6.7% 2% $3.3

Getting Around

Indianapolis, IN

$77 2.9%

Oshawa

$108 4.6% 41.2% $32

Sport & Entertainment

Indianapolis, IN

$67 2.5%

Oshawa

$45 1.9% 33.4% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,685 in Indianapolis, IN and $1,400 in Oshawa. Housing cost is often the main lever when comparing two cities.

Indianapolis, IN pays 35% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $80 in Indianapolis, IN vs $64 in Oshawa for a mid-range dinner for two. Groceries echo the gap at $406 vs $390 per month, with Oshawa cheaper across the board.

Good to know

🇺🇸 Indianapolis, IN

🇨🇦 Oshawa

🕒 Local time

14:06 2:06 PM

Same time as Indianapolis, IN

🌤 Weather

👥 Population

882,039

159,458

💱 Currency

United States Dollar USD $

Canadian Dollar CAD $

📈 Exchange rate

1 USD = 0.89 EUR

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

Exchange rates and currency converter

CAD, EUR to USD – United States Dollar Converter

🇨🇦 Canadian Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of November 5, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Canadian Dollar exchange rates as of November 5, 2026: 1 USD = 1.4 CAD (1 CAD = 0.716 USD). 1 EUR = 1.57 CAD (1 CAD = 0.638 EUR).

CAD to USD in detail →

On the map

Lowest

Highest

Between locations

Indianapolis, IN Oshawa 760 km ≈ 1 h 30 min nonstop flight

From you

Indianapolis, IN
Oshawa

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Indianapolis, IN vs Oshawa: Cost of Living - Frequently Asked Questions

Oshawa wins on cost – living expenses run 12% lower than in Indianapolis, IN. Housing and daily spending are where you’ll feel the difference most, making Oshawa the obvious pick if budget is a priority.

Average pay runs 35% higher in Indianapolis, IN, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,685 in Indianapolis, IN versus $1,400 in Oshawa. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Oshawa – a meal for two runs $64 versus $80 in Indianapolis, IN. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,689 per month in Indianapolis, IN versus $2,370 in Oshawa – Oshawa is about 12% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $2,000. Oshawa is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

It comes down to priorities – Oshawa wins on affordability, Indianapolis, IN on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.