Warsaw wins overall by ~50% (COL index)
Cost of living: Fort Wayne vs Warsaw (2026)
A $75,000 salary in Fort Wayne buys roughly what $50,000 does in Warsaw (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
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Slide to match your household — estimates combine take-home, rent, and groceries.
Adjust income → set household → see a meaningful swing to unlock all three.
Estimated annual swing
+$7,692/yr
Favoring Fort Wayne for this income & household (illustrative).
With the extra $641/mo, you could pay down a $15,000 card balance in ~24 months and still keep ~$77/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Fort Wayne Indiana | Warsaw Masovian Voivodeship | Who wins |
|---|---|---|---|
| 🏠 HousingQ1 2026 | |||
| Studio rent/mo | $800 | $550Wins | Warsaw wins −$250/mo |
| 1BR rent/mo | $1,000 | $750Wins | Warsaw wins −$250/mo |
| 2BR rent/mo | $1,300 | $1,200Better | Warsaw wins −$100/mo |
| Median home price | $200K | — | — |
| 🛒 Food & GroceriesQ1 2026 | |||
| Groceries index (100 = US avg) | 93 | — | — |
| Budget meal (1 person) | $11 | $8Wins | Warsaw wins −$3/mo |
| Mid-range dinner (2) | $46 | $35Wins | Warsaw wins −$11/mo |
| 🚌 TransportationQ1 2026 | |||
| Monthly transit pass/mo | $42 | — | — |
| Gas price/gal | $3.05 | — | — |
| Car insurance/mo | $138 | — | — |
| ⚡ UtilitiesQ1 2026 | |||
| Monthly utilities bundle/mo | $155 | $95Wins | Warsaw wins −$60/mo |
| Internet/mo | $58 | $20Wins | Warsaw wins −$38/mo |
| 💰 Income & TaxesQ1 2026 | |||
| Median household income/yr | $50K | — | — |
| State income tax% | 3.2%Wins | 17.0% | Fort wins +13.8 pp |
| Sales tax (combined)% | 7.0%Wins | 23.0% | Fort wins +16.0 pp |
| 🎬 LeisureQ1 2026 | |||
| Movie ticket | $13.00 | — | — |
| Gym membership/mo | $30Wins | $35 | Fort wins +$5/mo |
| Beer at restaurant | $4.50 | — | — |
| 📊 OverviewQ1 2026 | |||
| Overall COL index (100 = US avg) | 81 | 54Wins | Warsaw wins -27 |
| Walk score / 100 | 28 | 72Wins | Warsaw wins +44 more/yr |
While you're comparing — don't leave money on the table.
Tax-smart rewards
Turn ~$10,356/yr tax differences into cash back
Warsaw fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Warsaw.
High-yield savings
Park ~$3,000/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolWhile you're comparing — don't leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is Fort Wayne cheaper than Warsaw?
No. Warsaw is 50% cheaper than Fort Wayne based on overall cost of living indices (54 vs 81, where 100 = US average).
What is the average rent in Fort Wayne vs Warsaw?
As of Q1 2026, the median 1-bedroom rent in Fort Wayne is $1,000/month and in Warsaw is $750/month. Fort Wayne is more expensive by 33%.
How much do I need to earn in Warsaw to match a $75,000 salary in Fort Wayne?
To maintain a similar lifestyle, you would need approximately $50,000/year in Warsaw to match a $75,000 salary in Fort Wayne. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Fort Wayne or Warsaw?
Fort Wayne has the lower state income tax rate at 3.2% vs 17%. The difference is 13.8 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Fort Wayne to Warsaw?
It depends on your priorities. Warsaw offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Fort Wayne ↔ Warsaw
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