City comparison

Indianapolis, IN vs Omaha, NE

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in Indianapolis, IN are 4.1% higher than in Omaha, NE. Someone earning $100,000 in Omaha, NE would need about $104,100 in Indianapolis, IN to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,267 a month in Indianapolis, IN versus $1,148 in Omaha, NE. On $100,000, that's 20% of take-home pay in Indianapolis, IN and 18% in Omaha, NE.
  • On $100,000, estimated state income tax is about $750 a year higher in Omaha, NE than in Indianapolis, IN.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +0.1% moving from Indianapolis, IN to Omaha, NE ($107,428 → $107,501), while prices change by −4.0%. Net effect of the transfer: +4.2% in real buying power.
IndianapolisOmaha
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • Indianapolis, IN: price level 95.7 (cheaper)
  • Omaha, NE: price level 91.9 (much cheaper)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

Indianapolis, INOmaha, NE
Price level (U.S. = 100)295.791.9
$100,000 is worth, in the other city2$96,045 in Omaha$104,118 in Indianapolis
Typical 1-bedroom rent3$1,267/mo$1,148/mo
Take-home on $100,00014,15,8$76,260$75,510
State income tax on $100,000 (estimate)8$2,921 (IN)$3,670 (NE)
Rent burden on $100,00020%18%
Median pay, all jobs4$49,340$49,660
Federal locality pay area7Indianapolis-Carmel-Muncie, INOmaha-Council Bluffs-Fremont, NE-IA

Rent areas: Indianapolis-Carmel, IN HUD Metro FMR Area and Omaha-Council Bluffs, NE-IA HUD Metro FMR Area. Metro areas: Indianapolis-Carmel-Greenwood, IN and Omaha, NE-IA.

What costs more or less

Indianapolis, INOmaha, NE
Price level (U.S. = 100)IndianapolisOmaha
Housing (rent)88.986.4
Goods94.394.1
Utilities86.476.4
Other services99.193.0
Overall95.791.9
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

Indianapolis, IN → Omaha, NE

Same pay goes further

Buying power +4.1%; rent takes 18% of take-home; state tax +$750/yr.

82 Strong offer

Omaha, NE → Indianapolis, IN

Same pay buys less

Buying power −4.0%; rent takes 20% of take-home; state tax −$750/yr.

56 Fair offer

On the GS pay scale?

Indianapolis, IN is in the Indianapolis-Carmel-Muncie, IN pay area; Omaha, NE is in Omaha-Council Bluffs-Fremont, NE-IA. The last column shows what a transfer from Indianapolis, IN to Omaha, NE at the same grade and step does to real buying power.

Grade5,2Indianapolis, INOmaha, NEReal change, Indianapolis → Omaha
GS-9 step 1$62,297$62,339+4.2%
GS-11 step 1$75,374$75,425+4.2%
GS-12 step 1$90,341$90,402+4.2%
GS-13 step 1$107,428$107,501+4.2%
GS-14 step 1$126,947$127,033+4.2%

Pay for common jobs

Median annual pay4Indianapolis, INOmaha, NEOmaha pay in Indianapolis dollars
Elementary School Teachers, Except Special Education$60,510$62,670$65,251 (+7.8%)
Software Developers$106,870$125,220$130,377 (+22.0%)
Accountants and Auditors$79,290$77,030$80,202 (+1.2%)
Registered Nurses$84,230$84,600$88,084 (+4.6%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.
  16. U.S. Department of Labor, Employment and Training Administration, O*NET 31.0 Database: Job Titles (used under CC BY 4.0; O*NET is a trademark of USDOL/ETA) (2026). Retrieved 2026-10-14.