$80K in Phoenix = $71,200 in Indianapolis
Your $80K salary in Phoenix (COL 100) has the same purchasing power as $71,200 in Indianapolis (COL 89). Indianapolis is cheaper — your money goes 11% further there.
Budget breakdown — $80K in both cities
What $80K actually buys you in each city after taxes and core expenses.
| Expense | Phoenix $80K | Indianapolis $80K (same salary) |
|---|---|---|
| Monthly take-home | $4,890 | $4,843 |
| 1BR rent | $1,500 | $1,200 |
| Groceries | $369 | $357 |
| Transport | $64 | $60 |
| Utilities | $210 | $155 |
| Internet | $60 | $55 |
| Left after essentials | $2,687/month | $3,016/month |
Frequently asked questions
What is $80K in Phoenix equivalent to in Indianapolis?
$80K in Phoenix (COL index 100) has the same purchasing power as $71,200 in Indianapolis (COL index 89). That's 11% less than your current salary.
If I move from Phoenix to Indianapolis keeping my $80K salary, will I be better off?
Yes. If you keep earning $80K after moving to Indianapolis, you'd have $329 more per month after core expenses — because Indianapolis is cheaper than Phoenix.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $80K × (89 ÷ 100) = $71,200. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Phoenix to Indianapolis
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only