Westfield, IN vs. Indianapolis, IN: Cost of Living Comparison (2025)
Which city gives you more for your money – Westfield or Indianapolis? This article provides a detailed cost of living comparison between Westfield and Indianapolis. It’s perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life costs of these two Indiana cities in 2025. All income figures are expressed in gross monthly income (pre-tax).
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how typical housing expenses compare in Westfield vs Indianapolis:
| Housing Type | Westfield | Indianapolis |
|---|---|---|
| Median 2BR Apartment Rent | $1,450 | $1,250 |
| Median 3BR Home Price | $450,000 | $350,000 |
🏆 Winner: Indianapolis. Housing costs an estimated 15-20% less in Indianapolis compared to Westfield.
Curious about your specific budget? See if you can afford to live in Westfield with our monthly budget guide.
Utilities and Energy Costs
Utility costs also factor heavily into monthly expenses. In Westfield, expect to pay around $180/month for electricity, gas, water, and trash. Indianapolis utility bills average closer to $150/month.
Both cities experience cold winters and hot summers, so budget for higher heating and A/C use seasonally. Indianapolis offers more public utility assistance programs for low-income households.
🏆 Winner: Indianapolis, but utility costs are fairly comparable between the two.
Groceries and Daily Expenses
Groceries, dining out, and everyday purchases cost about 5% less in Indianapolis vs Westfield. Budget around $400/month per person for groceries in Westfield compared to $380 in Indianapolis.
Restaurant prices are also slightly lower in Indianapolis. A meal for two averages $50 in Westfield and $45 in Indianapolis.
🏆 Winner: Indianapolis, with a slight edge on food and daily costs.
Taxes and Fees
Property taxes are higher in Westfield at 0.97% vs 0.89% in Indianapolis. For a $350K home, that’s a difference of $280/year.
Both cities charge similar local income tax rates around 1.7%. State income and sales tax apply equally.
🏆 Winner: Indianapolis. Lower property taxes add up, especially on higher-value homes.
Cost Summary
| Expense | Westfield | Indianapolis |
|---|---|---|
| Housing | $1,450 | $1,250 |
| Utilities | $180 | $150 |
| Groceries | $400 | $380 |
| Transportation | $60 | $55 |
| Taxes | 0.97% | 0.89% |
| Misc | $250 | $200 |
| Estimated Monthly Total | $2,340 | $2,035 |
Lifestyle Fit
Westfield offers more space, larger homes and a quieter suburban feel. It’s great for families wanting top-rated schools and safe neighborhoods.
Indianapolis provides an urban lifestyle with walkable areas, shorter commutes and public transit. It’s ideal for young professionals and those wanting city amenities.
Westfield averages 5°F cooler than Indianapolis in summer. Both get snowy winters.
FAQ
- Is Westfield more affordable than Indianapolis?
- No, Indianapolis is an estimated 15% cheaper overall.
- Which city has lower rent?
- Indianapolis. Rent prices average 15-20% less than Westfield.
- Where is it cheaper to buy a home?
- Indianapolis. Home prices are about 20% lower than in Westfield.
Conclusion
Indianapolis comes out ahead on overall affordability, with lower costs for housing, food, and taxes. It’s a great fit for young professionals, singles and those wanting an urban lifestyle on a budget.
Westfield is pricier but provides more space, highly-rated schools and quiet neighborhoods. It’s ideal for families and those willing to pay a premium for suburban comforts.
Considering a move? See our 2025 picks for best moving companies. Or explore the full cost of living in Westfield to see how it fits your monthly budget.