Cost of Living Comparison Between Montclair, NJ and Indianapolis, IN Cost of Living Comparison Between Montclair, NJ and Indianapolis, IN

Monthly Cost of Living

Monthly costs for one person with rent: $2,816 in Montclair, NJ versus $2,705 in Indianapolis, IN.

Estimated couple costs with rent: $4,285 in Montclair, NJ versus $3,869 in Indianapolis, IN.

Monthly costs for a family of three with rent: $5,753 in Montclair, NJ versus $5,034 in Indianapolis, IN.

Living in Montclair, NJ is roughly 4% more expensive than Indianapolis, IN, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Montclair, NJ 110% above, Indianapolis, IN 102% above.

Meal at Budget Restaurant

$17.45 $17.45

$25.49 $25.49

-31.54%

Three-Course Dinner for Two, Mid-Range

$101 $101

$74.3 $74.3

36.38%

Fast Food Meal (McDonalds, etc)

$11.88 $11.88

$11.10 $11.10

7.03%

Cappuccino

$5.80 $5.80

$5.40 $5.40

7.41%

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

$3.06 $3.06

$2.86 $2.86

6.99%

Water (0.33 liter bottle)

$1.60 $1.60

$2.45 $2.45

-34.69%

Local Beer (0.5 liter draught)

$7.99 $7.99

$6.18 $6.18

29.29%

Imported Beer (0.33 liter bottle)

$11.95 $11.95

$7.91 $7.91

51.07%

Milk (1 liter)

$1.26 $1.26

$0.77 $0.77

63.64%

White Bread (500g)

$4.13 $4.13

$3.01 $3.01

37.21%

Rice (white) (1kg)

$5.49 $5.49

$5.10 $5.10

7.65%

Eggs

$6.47 $6.47

$3.43 $3.43

88.63%

Local Cheese (1kg)

$14.18 $14.18

$9.39 $9.39

51.01%

Chicken Fillets (1kg)

$10.11 $10.11

$10.73 $10.73

-5.78%

Beef Round Steak (1kg)

$19.86 $19.86

$14.76 $14.76

34.55%

Apples (1kg)

$5.89 $5.89

$5.03 $5.03

17.10%

Banana (1kg)

$2.54 $2.54

$1.33 $1.33

90.98%

Oranges (1kg)

$4.23 $4.23

$5.89 $5.89

-28.18%

Tomato (1kg)

$4.32 $4.32

$3.18 $3.18

35.85%

Potato (1kg)

$3.13 $3.13

$2.14 $2.14

46.26%

Onion (1kg)

$2.54 $2.54

$2.59 $2.59

-1.93%

Lettuce (1 head)

$2.87 $2.87

$1.81 $1.81

58.56%

Water (1.5 liter bottle)

$2.48 $2.48

$2.06 $2.06

20.39%

Cigarettes 20 Pack (Marlboro, Camel)

$17.16 $17.16

$9.19 $9.19

86.72%

Wine (Bottle)

$15.08 $15.08

$15.35 $15.35

-1.76%

Local Beer (0.5 liter bottle)

$1.85 $1.85

$1.78 $1.78

3.93%

Imported Beer (0.33 liter bottle)

$3.84 $3.84

$2.29 $2.29

67.69%

One-way Ticket (Public Transport)

$1.95 $1.95

$1.78 $1.78

9.55%

Public Transport Monthly Pass (Regular Price)

$60.6 $60.6

Taxi Start (Normal Tariff)

$2.95 $2.95

$1.97 $1.97

49.75%

Taxi (Normal Tariff) (1km)

$2.13 $2.13

$1.76 $1.76

21.02%

Taxi 1hour Waiting (Normal Tariff)

$42.30 $42.30

$33.68 $33.68

25.59%

Gasoline (1 liter)

$0.91 $0.91

$0.84 $0.84

8.33%

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

$23.3K $23.3K

$33.0K $33.0K

-29.32%

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

$25.6K $25.6K

$25.0K $25.0K

2.61%

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

$180 $180

$232 $232

-22.46%

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

$52.7 $52.7

$63.8 $63.8

-17.42%

Internet (50+ Mbps, Unlimited Data)

$62.0 $62.0

$74.8 $74.8

-17.12%

Gym Membership (Monthly)

$42.98 $42.98

$34.91 $34.91

23.12%

Tennis Court (1 Hour on Weekend)

$31.50 $31.50

Cinema Ticket

$19.73 $19.73

$14.94 $14.94

32.06%

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

$1,763 $1,763

$1,767 $1,767

-0.20%

International Primary School, 1 Child (Yearly)

$15.9K $15.9K

$27.1K $27.1K

-41.29%

Jeans (Levis 501 Or Similar)

$66.1 $66.1

$48.38 $48.38

36.63%

Summer Dress (H&M, Zara, etc)

$48.96 $48.96

$40.55 $40.55

20.74%

Sport Shoes (Adidas, Nike)

$98.3 $98.3

$99.7 $99.7

-1.40%

Men's Leather Business Shoes

$120 $120

$127 $127

-5.57%

1-bedroom Apartment, City Center (Monthly)

$2,280 $2,280

$1,754 $1,754

29.99%

1-bedroom Apartment, Outside City Center (Monthly)

$1,561 $1,561

$1,292 $1,292

20.85%

3-bedroom Apartment, City Center (Monthly)

$3,779 $3,779

$2,859 $2,859

32.16%

3-bedroom Apartment, Outside City Center (Monthly)

$2,679 $2,679

$2,100 $2,100

27.59%

Buy Apartment in City Center (m2)

$2,768 $2,768

Buy Apartment Outside City Center (m2)

$1,899 $1,899

Average Monthly Net Salary (After Tax)

$4,383 $4,383

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.54

-1.53%

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

Last update for Montclair, NJ: May 31, 2026

Last update for Indianapolis, IN: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,280 in Montclair, NJ and $1,754 in Indianapolis, IN. Housing cost is often the main lever when comparing two cities.

Dining out: $101 in Montclair, NJ vs $74.0 in Indianapolis, IN for a mid-range dinner for two. Groceries echo the gap at $441 vs $358 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

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

Indianapolis, IN wins on cost – living expenses run 4% lower than in Montclair, NJ. Housing and daily spending are where you'll feel the difference most, making Indianapolis, IN the obvious pick if budget is a priority.

You'd need roughly $4,224 in Montclair, NJ and $4,057 in Indianapolis, IN to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $2,280 in Montclair, NJ versus $1,754 in Indianapolis, IN. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,763 in Montclair, NJ versus $1,767 in Indianapolis, IN. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Indianapolis, IN – a meal for two runs $74.0 versus $101 in Montclair, NJ. If you eat out regularly, this makes a real dent in your monthly spending.

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 $2,705 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Indianapolis, IN hard to pass up.

Safety-wise, Montclair, NJ and Indianapolis, IN are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Indianapolis, IN gentler on the wallet – expenses run 4% less than in Montclair, NJ. Beyond cost, consider language, visa policies, and how big the international community is in each city.