Last update: Oct 2026

Cost of Living Comparison Between Oshawa and Indianapolis, IN

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.

113

Cost of Living Index in Oshawa
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Oshawa Living Index
129

Cost of Living Index in Indianapolis, IN
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Indianapolis, IN Living Index

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Oshawa

🇨🇦 Canada

$2,370

/mo nomad

Indianapolis, IN

🇺🇸 United States

$2,689

/mo nomad

Monthly Cost of Living

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

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

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

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

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

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

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

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

Living in Oshawa costs roughly 12% less than in Indianapolis, IN, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$14.25 CA$19.90

$20.10 $20.10

-29.10%

Three-Course Dinner for Two, Mid-Range

$63.6 CA$88.7

$80.3 $80.3

-20.86%

Fast Food Meal (McDonalds, etc)

$8.33 CA$11.63

$12.03 $12.03

-30.76%

Cappuccino

$3.54 CA$4.95

$5.54 $5.54

-36.10%

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

$1.77 CA$2.47

$3.14 $3.14

-43.63%

Water (0.33 liter bottle)

$1.36 CA$1.90

$2.66 $2.66

-48.87%

Local Beer (0.5 liter draught)

$4.86 CA$6.79

$6.39 $6.39

-23.94%

Imported Beer (0.33 liter bottle)

$6.04 CA$8.43

$8.17 $8.17

-26.07%

Milk (1 liter)

$2.91 CA$4.06

$0.90 $0.90

223.33%

White Bread (500g)

$2.91 CA$4.06

$3.39 $3.39

-14.16%

Rice (white) (1kg)

$4.12 CA$5.75

$4.86 $4.86

-15.23%

Eggs

$2.97 CA$4.14

$3.63 $3.63

-18.18%

Local Cheese (1kg)

$10.14 CA$14.15

$12.15 $12.15

-16.54%

Chicken Fillets (1kg)

$13.74 CA$19.19

$12.57 $12.57

9.31%

Beef Round Steak (1kg)

$16.60 CA$23.17

$17.22 $17.22

-3.60%

Apples (1kg)

$4.20 CA$5.87

$5.41 $5.41

-22.37%

Banana (1kg)

$1.22 CA$1.70

$1.51 $1.51

-19.21%

Oranges (1kg)

$2.94 CA$4.10

$4.79 $4.79

-38.62%

Tomato (1kg)

$3.84 CA$5.36

$4.31 $4.31

-10.90%

Potato (1kg)

$3.36 CA$4.69

$2.44 $2.44

37.70%

Onion (1kg)

$2.57 CA$3.59

$2.95 $2.95

-12.88%

Lettuce (1 head)

$2.35 CA$3.28

$2.38 $2.38

-1.26%

Water (1.5 liter bottle)

$1.73 CA$2.41

$2.52 $2.52

-31.35%

Cigarettes 20 Pack (Marlboro, Camel)

$14.29 CA$19.95

$11.31 $11.31

26.35%

Wine (Bottle)

$12.63 CA$17.63

$15.42 $15.42

-18.09%

Local Beer (0.5 liter bottle)

$3.53 CA$4.92

$2.04 $2.04

73.04%

Imported Beer (0.33 liter bottle)

$3.49 CA$4.87

$3.58 $3.58

-2.51%

One-way Ticket (Public Transport)

$2.82 CA$3.94

$1.71 $1.71

64.91%

Public Transport Monthly Pass (Regular Price)

$87.1 CA$122

$59.3 $59.3

47.03%

Taxi Start (Normal Tariff)

$2.74 CA$3.82

$1.97 $1.97

39.09%

Taxi (Normal Tariff) (1km)

$1.44 CA$2.00

$1.74 $1.74

-17.24%

Taxi 1hour Waiting (Normal Tariff)

$19.58 CA$27.33

$33.87 $33.87

-42.19%

Gasoline (1 liter)

$1.24 CA$1.74

$1.01 $1.01

22.77%

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

$28.8K CA$40.2K

$31.0K $31.0K

-7.15%

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

$22.9K CA$32.0K

$26.4K $26.4K

-13.29%

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

$139 CA$194

$233 $233

-40.45%

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

$37.94 CA$53.0

$62.0 $62.0

-38.83%

Internet (50+ Mbps, Unlimited Data)

$54.3 CA$75.9

$63.6 $63.6

-14.52%

Gym Membership (Monthly)

$22.91 CA$31.98

$37.02 $37.02

-38.11%

Tennis Court (1 Hour on Weekend)

$29.28 CA$40.87

$41.34 $41.34

-29.17%

Cinema Ticket

$10.86 CA$15.17

$15.01 $15.01

-27.65%

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

$922 CA$1,287

$1,730 $1,730

-46.70%

International Primary School, 1 Child (Yearly)

$8,083 CA$11.3K

$25.9K $25.9K

-68.78%

Jeans (Levis 501 Or Similar)

$58.3 CA$81.4

$57.5 $57.5

1.34%

Summer Dress (H&M, Zara, etc)

$57.7 CA$80.5

$45.22 $45.22

27.53%

Sport Shoes (Adidas, Nike)

$107 CA$150

$112 $112

-4.19%

Men's Leather Business Shoes

$129 CA$180

$145 $145

-10.97%

1-bedroom Apartment, City Center (Monthly)

$1,400 CA$1,954

$1,685 $1,685

-16.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,207 CA$1,685

$1,284 $1,284

-5.97%

3-bedroom Apartment, City Center (Monthly)

$2,003 CA$2,795

$2,762 $2,762

-27.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,824 CA$2,546

$1,922 $1,922

-5.14%

Buy Apartment in City Center (m2)

$5,158 CA$7,200

$2,818 $2,818

83.02%

Buy Apartment Outside City Center (m2)

$10.3K CA$14.4K

$1,712 $1,712

503.35%

Average Monthly Net Salary (After Tax)

$3,049 CA$4,256

$4,105 $4,105

-25.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.53

6.7

-32.39%

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

Last update for Oshawa: October 31, 2026

Last update for Indianapolis, IN: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Oshawa

$1.2K 50.9%

Indianapolis, IN

$1.3K 47.8% 6.3% $77

Groceries & Markets

Oshawa

$390 16.5%

Indianapolis, IN

$406 15.1% 4.1% $16

Monthly Utilities & Internet

Oshawa

$231 9.8%

Indianapolis, IN

$359 13.4% 55.2% $128

Eating Out

Oshawa

$230 9.7%

Indianapolis, IN

$335 12.5% 45.3% $104

Clothing & Footwear

Oshawa

$158 6.7%

Indianapolis, IN

$162 6% 2.1% $3.3

Getting Around

Oshawa

$108 4.6%

Indianapolis, IN

$77 2.9% 29.2% $32

Sport & Entertainment

Oshawa

$45 1.9%

Indianapolis, IN

$67 2.5% 50.2% $22

Cost Breakdown

A one-bedroom apartment in the center runs $1,400 in Oshawa and $1,685 in Indianapolis, IN. 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: $64 in Oshawa vs $80 in Indianapolis, IN for a mid-range dinner for two. Groceries echo the gap at $390 vs $406 per month, with Oshawa cheaper across the board.

Good to know

🇨🇦 Oshawa

🇺🇸 Indianapolis, IN

🕒 Local time

17:10 5:10 PM

Same time as Oshawa

🌤 Weather

👥 Population

159,458

882,039

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.716 USD

1 CAD = 0.638 EUR

1 USD = 0.891 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

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).

United States Dollar exchange rates as of November 5, 2026: 1 EUR = 1.12 USD (1 USD = 0.891 EUR).

USD to CAD in detail →

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

From you

Oshawa
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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

Oshawa vs Indianapolis, IN: 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.

On paper, salaries run 26% lower in Oshawa. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,400 in Oshawa versus $1,685 in Indianapolis, IN. 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 $2,370 per month in Oshawa versus $2,689 in Indianapolis, IN – 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.