Moving from North Dakota to Indiana
Moving to Indiana on the same salary cuts your real buying power by 9.5%; you'd need about $89,900 to break even. 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): $980/month in North Dakota 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: $89,900
To keep the same lifestyle, you need about $89,900 in Indiana to match $80,000 in North Dakota ($9,900 more), 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 $80,000 | North Dakota | Indiana |
|---|---|---|
| Federal income tax | $8,770 | $8,770 |
| Social Security + Medicare | $6,120 | $6,120 |
| State income tax | $279 | $3,634 |
| State payroll programs (UI, disability, paid leave, transit) | $0 | $0 |
| Take-home pay | $64,831 | $61,476 |
Key facts: North Dakota to Indiana
- Median rent
- $980 → $1,104/mo
- Median home value
- $266,100 → $243,500
- Price level (U.S. = 100)
- 89.0 → 93.3
- Road distance
- ≈ 960 miles
- Natural hazard risk (FEMA)
- Midrange county-score mean → High county-score mean
What changes when you move to Indiana
- Your state taxes rise by about $3,355 a year on the same $80,000 salary.
- BEA's housing rents price index is 4% higher in Indiana. Median rent goes from $980 to $1,104 a month and the median home value from $266,100 to $243,500.
- Homeowners pay less property tax: the median bill is $1,798 in Indiana vs $2,550 in North Dakota.
- The average home electric bill is $150 a month in Indiana vs $126 in North Dakota (EIA 2025), about $280 a year more.
Who moves from North Dakota to Indiana
In the latest IRS migration data (2022–2023), 114 households (216 people) filed their taxes in Indiana after filing in North Dakota the year before. That makes Indiana the #32 destination for people leaving North Dakota. These households reported an average adjusted gross income of $49,211. Going the other way, 124 households moved from Indiana to North Dakota, a net loss of 10 households for Indiana.
Five-year trend
Moves from North Dakota to Indiana peaked in 2020–21 at 164 households, then fell 30% by 2022–23. That is still down 1% from 2018–19.
Source: IRS SOI state-to-state migration files, tax years 2018–19 to 2022–23.
Cost to move from North Dakota to Indiana
Moving cost: $710–$9,750
Moving about 960 miles from North Dakota to Indiana costs roughly $710 – $9,750, 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. | $710 – $2,890 |
| Moving container You pack and load; the company drives the container. | $1,540 – $3,710 |
| Full-service movers Loading, transport and unloading. Packing, storage and other extra services may cost more; confirm the written estimate. | $2,500 – $9,750 |
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 96 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 North Dakota to Indiana
Car shipping: $860–$1,280
Shipping a sedan from North Dakota to Indiana on an open carrier costs about $860–$1,280, typically 3–7 days in transit over about 960 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.
North Dakota vs Indiana take-home pay at every salary
| Salary | Equal salary in IN | Take-home change | Take-home in ND | Take-home in IN |
|---|---|---|---|---|
| $50,000 | $55,700 | -$2,254 | $42,355 | $40,101 |
| $75,000 | $84,400 | -$3,222 | $61,411 | $58,189 |
| $100,000 | $111,700 | -$3,885 | $78,511 | $74,626 |
| $150,000 | $166,700 | -$5,210 | $112,147 | $106,937 |
| $250,000 | $277,300 | -$7,860 | $179,588 | $171,728 |
Single filer, 2026 tax rules, standard deduction. "Equal salary" keeps the same after-tax buying power.
At higher incomes, especially for homeowners, itemizing state and local taxes (deductible up to $40,400 in 2026) can lower your federal tax once you live in Indiana, which narrows the gap shown.
Cost of living: North Dakota vs Indiana
| Measure | North Dakota | Indiana |
|---|---|---|
| Overall price level (U.S. = 100) | 89.0 | 93.3 |
| Housing rents price index | 71.4 | 73.9 |
| Utilities price index | 73.7 | 85.5 |
| Goods price index | 95.7 | 95.5 |
| Median rent (monthly) | $980 | $1,104 |
| Median home value | $266,100 | $243,500 |
| Median property tax (yearly) | $2,550 | $1,798 |
| Electricity (residential) | 14.12¢/kWh | 17.51¢/kWh |
| State sales tax rate | 5% | 7% |
| Median household income | $77,871 | $71,959 |
Renting and buying: North Dakota vs Indiana
| Measure | North Dakota | Indiana |
|---|---|---|
| Income to rent the median home (30% rule) | $39,200 | $44,160 |
| Monthly cost to own the median home (20% down) | $1,792 | $1,586 |
| Income needed to buy the median home | $76,783 | $67,974 |
| Homeowners insurance (yearly median, homes with a mortgage) | $1,540 | $1,304 |
| Infant child care (center, yearly) | $12,281 | $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: North Dakota vs Indiana
On an $80,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $36,535 a year in North Dakota and $40,254 in Indiana if you rent: $3,719 more 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 $47,791 and $47,836 ($45 more).
Your yearly budget, before vs after
| Yearly cost | ND | IN | Change |
|---|---|---|---|
| Income and payroll taxes on $80,000, single filer | $15,169 | $18,524 | +$3,355 |
| Car insurance one car, state average | $808 | $926 | +$118 |
| Gas 12,000 miles at 25 mpg | $1,958 | $1,868 | -$90 |
| Health insurance one adult, age 40, own plan before subsidies | $6,840 | $5,688 | -$1,152 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $11,760 | $13,248 | +$1,488 |
| Total if you rent | $36,535 | $40,254 | +$3,719 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $17,409 | $15,931 | -$1,478 |
| Property tax median home | $2,550 | $1,798 | -$752 |
| Homeowners insurance state median, with a mortgage | $1,540 | $1,304 | -$236 |
| Electricity state average bill | $1,517 | $1,797 | +$280 |
| Total if you buy | $47,791 | $47,836 | +$45 |
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 $12,281 a year in North Dakota 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 North Dakota and Indiana.
- How Indiana taxes retirement income.
Frequently asked questions
How much salary do I need in Indiana to live like I do in North Dakota?
An $80,000 salary in North Dakota works out to about $89,900 in Indiana once 2026 federal and state taxes and BEA regional price levels are counted. At $100,000 it is about $111,700.
Will I pay less tax in Indiana than in North Dakota?
No, about $3,355 more a year in income and payroll taxes on an $80,000 salary (19.0% of pay in North Dakota vs 23.2% in Indiana). Property and sales taxes are shown separately.
How much does it cost to move from North Dakota to Indiana?
For a 2–3 bedroom home over about 960 miles, expect roughly $710–$2,890 with a rental truck, $1,540–$3,710 with a moving container, or $2,500–$9,750 with full-service movers.
Are more people moving from North Dakota to Indiana?
Moves from North Dakota to Indiana peaked in 2020–21 at 164 households, then fell 30% by 2022–23. That is still down 1% from 2018–19.
How many people move from North Dakota to Indiana?
IRS migration data for 2022–2023 show 114 households (216 people) moved from North Dakota to Indiana, making Indiana the #32 destination for people leaving North Dakota. 124 households moved the other way.
Is Indiana cheaper than North Dakota?
Overall prices in Indiana are 4.8% higher than North Dakota (BEA Regional Price Parities 2024). Median rent is $1,104 vs $980 a month.
Compare other moves
Where people from North Dakota actually move
- ND to Minnesota 4,007 households
- ND to Texas 920 households
- ND to Arizona 680 households
- ND to South Dakota 676 households
- ND to Florida 596 households
- ND to Colorado 538 households
- ND to Montana 501 households
- ND to California 492 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.