Cost of Living Comparison Between Indianapolis, IN and San Bernardino, CA Cost of Living Comparison Between Indianapolis, IN and San Bernardino, CA

Monthly Cost of Living

Monthly costs for one person with rent: $2,680 in Indianapolis, IN versus $3,040 in San Bernardino, CA.

Estimated couple costs with rent: $3,872 in Indianapolis, IN versus $4,426 in San Bernardino, CA.

Monthly costs for a family of three with rent: $5,065 in Indianapolis, IN versus $5,813 in San Bernardino, CA.

Living in Indianapolis, IN costs roughly 12% less than in San Bernardino, CA, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Indianapolis, IN 101% above, San Bernardino, CA 128% above.

Meal at Budget Restaurant

$25.22 $25.22

$19.78 $19.78

27.50%

Three-Course Dinner for Two, Mid-Range

$74.9 $74.9

$80.8 $80.8

-7.35%

Fast Food Meal (McDonalds, etc)

$11.08 $11.08

$15.10 $15.10

-26.62%

Cappuccino

$5.52 $5.52

$5.32 $5.32

3.76%

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

$2.77 $2.77

$3.63 $3.63

-23.69%

Water (0.33 liter bottle)

$2.42 $2.42

$1.99 $1.99

21.61%

Local Beer (0.5 liter draught)

$5.85 $5.85

$7.20 $7.20

-18.75%

Imported Beer (0.33 liter bottle)

$8.18 $8.18

$7.87 $7.87

3.94%

Milk (1 liter)

$0.82 $0.82

$1.10 $1.10

-25.45%

White Bread (500g)

$3.07 $3.07

$4.11 $4.11

-25.30%

Rice (white) (1kg)

$5.30 $5.30

$4.23 $4.23

25.30%

Eggs

$3.46 $3.46

$5.94 $5.94

-41.75%

Local Cheese (1kg)

$9.23 $9.23

$10.67 $10.67

-13.50%

Chicken Fillets (1kg)

$11.07 $11.07

$13.44 $13.44

-17.63%

Beef Round Steak (1kg)

$14.69 $14.69

$14.40 $14.40

2.01%

Apples (1kg)

$5.22 $5.22

$3.41 $3.41

53.08%

Banana (1kg)

$1.33 $1.33

$1.74 $1.74

-23.56%

Oranges (1kg)

$5.67 $5.67

$4.11 $4.11

37.96%

Tomato (1kg)

$3.08 $3.08

$5.44 $5.44

-43.38%

Potato (1kg)

$2.15 $2.15

$3.25 $3.25

-33.85%

Onion (1kg)

$2.56 $2.56

$2.82 $2.82

-9.22%

Lettuce (1 head)

$1.81 $1.81

$1.45 $1.45

24.83%

Water (1.5 liter bottle)

$2.04 $2.04

$2.11 $2.11

-3.32%

Cigarettes 20 Pack (Marlboro, Camel)

$9.27 $9.27

$11.01 $11.01

-15.80%

Wine (Bottle)

$15.51 $15.51

$12.88 $12.88

20.42%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$1.99 $1.99

-15.08%

Imported Beer (0.33 liter bottle)

$2.19 $2.19

$5.73 $5.73

-61.78%

One-way Ticket (Public Transport)

$1.70 $1.70

$1.98 $1.98

-14.14%

Public Transport Monthly Pass (Regular Price)

$60.7 $60.7

$58.0 $58.0

4.71%

Taxi Start (Normal Tariff)

$1.95 $1.95

$4.85 $4.85

-59.79%

Taxi (Normal Tariff) (1km)

$1.68 $1.68

$4.29 $4.29

-60.84%

Taxi 1hour Waiting (Normal Tariff)

$34.21 $34.21

$29.55 $29.55

15.77%

Gasoline (1 liter)

$0.92 $0.92

$1.24 $1.24

-25.81%

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

$33.9K $33.9K

$25.1K $25.1K

35.05%

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

$25.2K $25.2K

$24.7K $24.7K

2.13%

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

$237 $237

$251 $251

-5.80%

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

$64.4 $64.4

$54.0 $54.0

19.40%

Internet (50+ Mbps, Unlimited Data)

$73.3 $73.3

$60.4 $60.4

21.25%

Gym Membership (Monthly)

$35.25 $35.25

$39.95 $39.95

-11.76%

Tennis Court (1 Hour on Weekend)

$31.75 $31.75

Cinema Ticket

$15.00 $15.00

$13.89 $13.89

7.99%

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

$1,745 $1,745

$1,167 $1,167

49.47%

International Primary School, 1 Child (Yearly)

$27.6K $27.6K

$9,999 $9,999

175.96%

Jeans (Levis 501 Or Similar)

$48.25 $48.25

$55.7 $55.7

-13.44%

Summer Dress (H&M, Zara, etc)

$41.33 $41.33

$34.15 $34.15

21.02%

Sport Shoes (Adidas, Nike)

$98.8 $98.8

$104 $104

-4.98%

Men's Leather Business Shoes

$127 $127

$103 $103

23.53%

1-bedroom Apartment, City Center (Monthly)

$1,755 $1,755

$1,902 $1,902

-7.72%

1-bedroom Apartment, Outside City Center (Monthly)

$1,307 $1,307

$1,674 $1,674

-21.92%

3-bedroom Apartment, City Center (Monthly)

$2,817 $2,817

$2,523 $2,523

11.63%

3-bedroom Apartment, Outside City Center (Monthly)

$2,107 $2,107

$2,743 $2,743

-23.21%

Buy Apartment in City Center (m2)

$2,745 $2,745

$3,580 $3,580

-23.33%

Buy Apartment Outside City Center (m2)

$1,924 $1,924

$3,573 $3,573

-46.16%

Average Monthly Net Salary (After Tax)

$4,598 $4,598

$3,458 $3,458

32.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

6.58

-0.61%

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

Last update for Indianapolis, IN: July 14, 2026

Last update for San Bernardino, CA: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,755 in Indianapolis, IN and $1,902 in San Bernardino, CA. Housing cost is often the main lever when comparing two cities.

Indianapolis, IN pays 33% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $75.0 in Indianapolis, IN vs $81.0 in San Bernardino, CA for a mid-range dinner for two. Groceries echo the gap at $360 vs $400 per month, with Indianapolis, IN cheaper across the board.

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 San Bernardino, CA: Cost of Living - Frequently Asked Questions

Indianapolis, IN wins on cost – living expenses run 13% lower than in San Bernardino, CA. Housing and daily spending are where you'll feel the difference most, making Indianapolis, IN the obvious pick if budget is a priority.

Average pay runs 33% 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: $1,755 in Indianapolis, IN versus $1,902 in San Bernardino, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Indianapolis, IN – a meal for two runs $75.0 versus $81.0 in San Bernardino, CA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,680 per month in Indianapolis, IN versus $3,040 in San Bernardino, CA – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

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

Both work as nomad bases, but Indianapolis, IN delivers better value – similar infrastructure at $2,680 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Indianapolis, IN hard to pass up.

Expats usually find Indianapolis, IN gentler on the wallet – expenses run 13% less than in San Bernardino, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.