Moving to Indianapolis

Moving to Indy?

Short answer: Indianapolis is a Midwest city where your money goes further. The median single-family sale price in central Indiana was about $320K in September 2026, the state income tax is a flat 2.95% plus a county tax, and property tax on the home you live in is capped at 1% of its value. Chicago is about three hours away by car, and Louisville and Cincinnati are about two.

Good call. I moved here from Crown Point 15 years ago (honestly, anything was an upgrade). Now I help people move here every year, and I write a weekly newsletter about the best stuff happening in town. This is everything I tell people before they pack the U-Haul: what it costs, how the city is laid out, the honest downsides, and how to buy a house here from somewhere else.

Trevor biting into a giant turkey leg at a fair Local guide

Indy at a glance

Typical home price
$320K

Median single-family sale price in central Indiana, September 2026 (MIBOR). Hamilton County runs higher.

State income tax
2.95%

Flat rate for 2026, plus a county tax (2.02% in Marion County).

Property tax cap
1%

Of assessed value on the home you live in. It's in the state constitution.

Chicago
~3 hrs

By car. Louisville and Cincinnati are about two.

The pitch

Why people move here.

Your money goes further. Housing costs a lot less than in most big metros, and that's the main reason people land here. A paycheck that rents you a closet in some cities can buy you a house with a yard in Indy.

It's easy. Most drives take about 20 minutes, which is basically the official unit of measurement here. The airport is easy too: Airports Council International keeps naming it the best airport in North America for its size, year after year.

Big-city stuff, small-town scale. We have the Colts, Pacers and Fever, the Indy 500, a real art museum, great restaurants and a solid music scene, without the two-hour commute. Indy hosts the kind of events (Final Fours, the Big Ten title game) that bigger cities fight over.

People are nice. Midwest nice is real. Your neighbor will wave at you, help you jump your car, and tell you about their dog's knee surgery for 25 minutes. It's a feature, not a bug.

The honest part

What people don't love.

  • You'll probably want a car. A few neighborhoods are walkable and transit is growing, but most of the metro is built around driving.
  • Winters are gray. Not Buffalo-level snow, but January and February can feel like living inside a dirty dishrag. Plan a trip somewhere sunny.
  • Summers are humid. July air sticks to you like a wet t-shirt. Pools, lakes and air conditioning get you through.
  • It's spread out. Indianapolis covers almost all of Marion County, so "Indy" can mean very different places. That's why the next section matters.

How the city works

How Indy is laid out.

In 1970 the city and Marion County merged into one government (locals call it Unigov), so the City of Indianapolis covers almost the whole county. A few small cities inside it kept their own governments: Beech Grove, Lawrence, Southport and Speedway. I-465 loops around the city, and people talk about being "inside" or "outside the loop."

North of Marion County is Hamilton County, home to Carmel, Fishers, Westfield and Noblesville. Those are separate cities with their own taxes and services, and most homes there were built more recently. Zionsville sits to the northwest in Boone County.

Here's how I'd sort the areas by what you want your days to look like. Each link goes to my full guide.

Walk to dinner

Restaurants, patios and the Cultural Trail within a few blocks.

Old houses with character

Tudors, bungalows, foursquares and Victorians on tree-lined streets.

On the trail

Close to the Monon Trail, the canal and White River.

North suburbs

Newer homes, roundabouts, and downtowns built for strolling.

Near the water

Reservoirs, big parks and room to spread out.

Race town

Its own little town around the Indianapolis Motor Speedway.

See all 29 neighborhood guides →

Getting around

Cars, buses and bikes.

Indiana's motto is "The Crossroads of America," and it's earned: I-65, I-69, I-70 and I-74 all meet here. Rush hour exists, but it's mild compared to most cities this size.

IndyGo runs rapid bus lines with dedicated lanes. The Red Line (opened 2019) runs north–south through downtown and Broad Ripple. The Purple Line (2024) heads northeast to Lawrence. The Blue Line, east–west along Washington Street, is under construction and expected around 2028.

For bikes and walks, the Cultural Trail is about eight miles of protected path looping through downtown, and the Monon Trail runs north from near downtown through Broad Ripple, Carmel and Westfield. If you live near either one, you'll use it more than you think.

What we do for fun

Your new weekends.

  • May is race month. The Indy 500 runs Memorial Day weekend, and the whole city treats May like one long tailgate.
  • Sports. Colts at Lucas Oil, Pacers and Fever at Gainbridge, Indy Eleven soccer, and the Indianapolis Indians at Victory Field, one of the nicest minor league parks you'll find.
  • Art and outdoors. Newfields (the art museum and its gardens), White River State Park, and the canal walk downtown.
  • The State Fair. Every August. Go hungry. That turkey leg in my photo didn't stand a chance.
  • Live music. Small rooms like HI-FI in Fountain Square, plus big summer shows up north.
  • Where I actually eat. My first meal in Indy was at Yats, and coming from Crown Point it was nice to have something different for a change. These days you'll find me at Coat Check Coffee, Julieta Taco Shop, La Eskina, Sakura and 9th Street Bistro.

Want the week-to-week version? I write Indy's Dopest, a free weekly email with the best things happening around town. It's the fastest way to feel like a local before you even get here.

Weather

Four real seasons.

Spring is green and stormy, so learn what the tornado sirens mean and keep a weather app handy. Summer is hot and humid. Fall is the best season, no debate. Winter brings some snow most years, but the bigger complaint is gray skies, not blizzards.

Buying from out of town

How to buy a house here from somewhere else.

  1. Talk to a local lender first. Get pre-approved before you start shopping, so you know your number and sellers take your offer seriously. I'll connect you with lenders I trust.
  2. Come see the city. One weekend on a city tour with me will narrow things down more than a month of scrolling Zillow.
  3. Shop by video. Once you know the areas you like, I'll walk homes for you on FaceTime and tell you what the listing photos don't show.
  4. Make an offer and inspect. Indiana uses a standard purchase agreement with an inspection period, so you can get the house checked out before you're locked in.
  5. Close, often without flying back. Indiana closings are handled by a title company, and many can be signed remotely or by mail. Closing usually takes about a month after your offer is accepted.

You don't even have to visit first. I once helped a couple move here from overseas who had never set foot in Indy. They told me what they were looking for, we narrowed it down together, and they landed in Noblesville. It was exactly what they wanted.

Two Indiana things nobody tells you

Property taxes are paid a year behind. They're due in two installments, in spring and fall, for the previous year. At closing the seller credits you for their share, so set that money aside instead of spending it on a new couch.

File your homestead deduction. It lowers the taxable value of the home you live in. The title company can usually file it with your closing paperwork, but double-check that it's done.

Renting first while you learn the city is a smart move too. I'm happy to help you figure out where to rent so you're close to where you'll want to buy.

Relocation questions

What people ask me before they move.

Is Indianapolis a good place to live?

For a lot of people, yes. You get big-city amenities (pro sports, the Indy 500, museums, a real food scene) with lower housing costs and short drives. The trade-offs are gray winters, humid summers, and needing a car in most areas.

Is it cheaper to live in Indianapolis?

Usually, yes. Indy comes in below the national average on most cost-of-living comparisons, and housing is the biggest reason. Indiana's 2.95% flat income tax and the 1% property tax cap on your primary home help too.

Should I live in Indianapolis or a suburb like Carmel or Fishers?

It depends on how you want to live. Indianapolis has more older homes and walkable districts like Mass Ave and Fountain Square. Carmel, Fishers and Westfield are separate cities in Hamilton County, with more newer homes and higher prices on average. A city tour is the fastest way to feel the difference.

How do property taxes work in Indiana?

Taxes on the home you live in are capped at 1% of its assessed value. They're paid a year behind, in spring and fall installments. Make sure your homestead deduction is filed, because it lowers what you owe.

Can I buy a house in Indianapolis without visiting first?

Yes. I can tour homes for you by video, and many closings can be signed remotely. Most people still like to visit once before they buy, and a city tour makes that one trip count.

Do you give city tours?

Yes, and they're my favorite part of the job. I'll drive you around the areas that fit what you're looking for and show you the local spots. Request one here.

Come see it for yourself.

Tell me a little about your move and I'll plan a few hours around the parts of town that fit you. Chauffeur hat included.

Request a city tour →