WhereCanIAfford › Take-home › Portland, OR vs Indianapolis, IN

Portland, OR vs Indianapolis, IN: cost of living on $120,000

Indianapolis, IN +$20,668/yr On $120,000, Portland, OR leaves $51,570/yr in pocket vs Indianapolis, IN's $72,238 — after state income tax and housing.

Where the money goes

On $120,000Portland, ORIndianapolis, IN
Federal + FICA (est.)$29,580$29,580
State income tax$11,880 (9.90%)$3,600 (3%)
After-tax income$78,540$86,820
− Housing/yr (Zillow)$26,970$14,582
Real money in pocket$51,570$72,238

· State tax: Tax Foundation, “State Individual Income Tax Rates and Brackets, 2025” + state revenue departments. Modeled as an effective planning rate for a typical $80k–$160k filer — not a full bracket engine. · Housing from Zillow ZHVI 2026-09.

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FAQ

Is Portland, OR or Indianapolis, IN cheaper?
On $120,000, Indianapolis, IN — by $20,668/yr in real take-home.
What's the biggest driver?
State income tax (Oregon 9.90% vs Indiana 3%) and housing cost.

See also: FIRE in Portland, OR · salary to buy in Portland, OR · compare other cities →

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