Moving from Massachusetts to Indiana
Moving to Indiana on the same salary raises your real buying power by 14.5%. Change the salary below to see your own numbers.
The salary comparison above is for W-2 earnings. Your retirement income and budget results appear in the calculator below.
State-median gross rent (2024 ACS): $1,848/month in Massachusetts and $1,104/month in Indiana. These are state benchmarks, not current rental quotes or your own housing costs. Compare your salary offer, housing and moving-cost recovery using the personal-budget option in the calculator.
Equal salary in IN: $90,000
To keep the same lifestyle, you need about $90,000 in Indiana to match $105,000 in Massachusetts ($15,000 less), after 2026 taxes and local prices.
Single filer, W-2 salary, standard deduction.
The renter figure uses ACS gross rent, which includes tenant-paid electricity, gas, water/sewer and fuels. The buyer figure adds electricity separately to mortgage, property tax and insurance. Food, transport, healthcare, other spending and one-time moving costs are excluded. These are selected-cost changes, not total savings. State medians may differ from your neighborhood and current quotes.
| Tax on $105,000 | Massachusetts | Indiana |
|---|---|---|
| Federal income tax | $14,270 | $14,270 |
| Social Security + Medicare | $8,033 | $8,033 |
| State income tax | $5,030 | $4,784 |
| State payroll programs (UI, disability, paid leave, transit) | $483 | $0 |
| Take-home pay | $77,185 | $77,914 |
Key facts: Massachusetts to Indiana
- Median rent
- $1,848 → $1,104/mo
- Median home value
- $607,400 → $243,500
- Price level (U.S. = 100)
- 105.8 → 93.3
- Road distance
- ≈ 920 miles
- Natural hazard risk (FEMA)
- Very high county-score mean → High county-score mean
What changes when you move to Indiana
- Your state taxes fall by about $729 a year on the same $105,000 salary.
- BEA's housing rents price index is 42% lower in Indiana. Median rent goes from $1,848 to $1,104 a month and the median home value from $607,400 to $243,500.
- Homeowners pay less property tax: the median bill is $1,798 in Indiana vs $6,080 in Massachusetts.
- The average home electric bill is $150 a month in Indiana vs $181 in Massachusetts (EIA 2025), about $376 a year less.
- Prices for everyday goods are 3% lower (BEA). The statewide sales tax rate is 7% in Indiana vs 6.25% in Massachusetts, before local sales taxes.
Who moves from Massachusetts to Indiana
In the latest IRS migration data (2022–2023), 526 households (834 people) filed their taxes in Indiana after filing in Massachusetts the year before. That makes Indiana the #27 destination for people leaving Massachusetts. These households reported an average adjusted gross income of $76,186. Going the other way, 687 households moved from Indiana to Massachusetts, a net loss of 161 households for Indiana.
Five-year trend
Moves from Massachusetts to Indiana peaked in 2021–22 at 538 households, then held roughly steady by 2022–23. That is still up 21% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from Massachusetts to Indiana
Moving cost: $690–$9,490
Moving about 920 miles from Massachusetts to Indiana costs roughly $690 – $9,490, depending on how much of the work you hire out.
Distance between the states' population centers by road (estimate).
| Moving method | Typical range |
|---|---|
| Rental truck (DIY) Truck rental, taxes and fees. Add fuel, damage coverage, lodging and your time. | $690 – $2,770 |
| Moving container You pack and load; the company drives the container. | $1,510 – $3,620 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,460 – $9,490 |
These ranges are based on summer (peak-season) quotes. A move between October and April usually costs less: peak prices run 20–30% higher.
A rental truck also burns about 92 gallons of fuel over this distance. One-way truck rental prices depend on direction: a truck headed where many people are moving often costs more than the same trip in reverse.
Ranges combine 198 published quote ranges on 22 interstate routes (moveBuddha, retrieved 2026-09-24) with 47 independent published prices from U-Pack, HireAHelper and Move.org, which raised the top of several ranges. They are not quotes; get at least three written estimates.
Alaska and Hawaii ranges come from published carrier rates and moving quotes, dated in each row (Matson's household-goods rates, U-Pack, Royal Hawaiian Movers). See how we estimate.
Shipping a car from Massachusetts to Indiana
Car shipping: $850–$1,260
Shipping a sedan from Massachusetts to Indiana on an open carrier costs about $850–$1,260, typically 3–7 days in transit over about 920 miles.
Modeled from 32 published 2026 route prices (SGT Auto Transport 'Ship a Car to Another State' sample routes, SGT Auto Transport cost calculator sample routes) plus published mainland-to-Hawaii and mainland-to-Alaska prices. Reverse ocean routes reuse those inbound prices as a proxy, not a separately sourced price for that direction. The 25% SUV and 35% enclosed-carrier uplifts are model assumptions; ocean carrier packages and vehicle charges can differ. Not a quote.
Massachusetts vs Indiana take-home pay at every salary
| Salary | Equal salary in IN | Take-home change | Take-home in MA | Take-home in IN |
|---|---|---|---|---|
| $50,000 | $43,400 | +$256 | $39,845 | $40,101 |
| $75,000 | $64,300 | +$471 | $57,718 | $58,189 |
| $100,000 | $85,700 | +$686 | $73,940 | $74,626 |
| $150,000 | $128,600 | +$1,116 | $105,821 | $106,937 |
| $250,000 | $214,800 | +$1,675 | $170,053 | $171,728 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
Cost of living: Massachusetts vs Indiana
| Measure | Massachusetts | Indiana |
|---|---|---|
| Overall price level (U.S. = 100) | 105.8 | 93.3 |
| Housing rents price index | 128.1 | 73.9 |
| Utilities price index | 152.1 | 85.5 |
| Goods price index | 98.8 | 95.5 |
| Median rent (monthly) | $1,848 | $1,104 |
| Median home value | $607,400 | $243,500 |
| Median property tax (yearly) | $6,080 | $1,798 |
| Electricity (residential) | 29.61¢/kWh | 17.51¢/kWh |
| State sales tax rate | 6.25% | 7% |
| Median household income | $104,828 | $71,959 |
Renting and buying: Massachusetts vs Indiana
| Measure | Massachusetts | Indiana |
|---|---|---|
| Income to rent the median home (30% rule) | $73,920 | $44,160 |
| Monthly cost to own the median home (20% down) | $3,956 | $1,586 |
| Income needed to buy the median home | $169,548 | $67,974 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,655 | $1,304 |
| Infant child care (center, yearly) | $27,067 | $17,461 |
Mortgage at the Freddie Mac 30-year average with 20% down, plus the median property tax and the median homeowners insurance that owners with a mortgage paid in 2024 (Census ACS). Premiums have risen in most states since then, so get quotes. See buying a home in Indiana for other down payments.
Your yearly budget: Massachusetts vs Indiana
On a $105,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $59,262 a year in Massachusetts and $48,817 in Indiana if you rent: $10,445 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to $86,732 and $56,399 ($30,333 less).
Your yearly budget, before vs after
| Yearly cost | MA | IN | Change |
|---|---|---|---|
| Income and payroll taxes on $105,000, single filer | $27,816 | $27,087 | -$729 |
| Car insurance one car, state average | $1,326 | $926 | -$400 |
| Gas 12,000 miles at 25 mpg | $2,016 | $1,868 | -$148 |
| Health insurance one adult, age 40, own plan before subsidies | $5,928 | $5,688 | -$240 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $22,176 | $13,248 | -$8,928 |
| Total if you rent | $59,262 | $48,817 | -$10,445 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $39,738 | $15,931 | -$23,807 |
| Property tax median home | $6,080 | $1,798 | -$4,282 |
| Homeowners insurance state median, with a mortgage | $1,655 | $1,304 | -$351 |
| Electricity state average bill | $2,173 | $1,797 | -$376 |
| Total if you buy | $86,732 | $56,399 | -$30,333 |
Taxes: 2026 federal and state rules, standard deduction. Rent, home value and property tax: Census ACS 2024 state medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $27,067 a year in Massachusetts and $17,461 in Indiana (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Cost of living in Indiana cities: Indianapolis, Fort Wayne.
After you arrive in Indiana
- Indiana new resident checklist: driver license and vehicle registration deadlines.
- Taxes the year you move: part-year returns in Massachusetts and Indiana.
- How Indiana taxes retirement income.
Frequently asked questions
How much salary do I need in Indiana to live like I do in Massachusetts?
A $105,000 salary in Massachusetts works out to about $90,000 in Indiana once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $85,700.
Will I pay less tax in Indiana than in Massachusetts?
Yes, about $729 less a year in income and payroll taxes on a $105,000 salary (26.5% of pay in Massachusetts vs 25.8% in Indiana). Property and sales taxes are shown separately.
How much does it cost to move from Massachusetts to Indiana?
For a 2–3 bedroom home over about 920 miles, expect roughly $690–$2,770 with a rental truck, $1,510–$3,620 with a moving container, or $2,460–$9,490 with full-service movers.
Are more people moving from Massachusetts to Indiana?
Moves from Massachusetts to Indiana peaked in 2021–22 at 538 households, then held roughly steady by 2022–23. That is still up 21% from 2018–19.
How many people move from Massachusetts to Indiana?
IRS migration data for 2022–2023 show 526 households (834 people) moved from Massachusetts to Indiana, making Indiana the #27 destination for people leaving Massachusetts. 687 households moved the other way.
Is Indiana cheaper than Massachusetts?
Overall prices in Indiana are 11.8% lower than Massachusetts (BEA Regional Price Parities 2024). Median rent is $1,104 vs $1,848 a month.
Compare other moves
Where people from Massachusetts actually move
- MA to Florida 12,159 households
- MA to New York 11,027 households
- MA to New Hampshire 10,603 households
- MA to California 7,767 households
- MA to Rhode Island 6,510 households
- MA to Connecticut 6,006 households
- MA to Texas 4,218 households
- MA to North Carolina 3,483 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.