If you're looking for a state to retire to, the Hoosier State may be what you're looking for in a retirement place. Indiana is well-known for its vast farmlands, which can be excellent if you're looking for a place to spend your golden years at. You can grow some corn, watch the Indy 500, or enjoy your home in peace. The weather can be a little muggy but is balanced overall. The sights in Indiana can be gorgeous, particularly regarding its state parks. In addition, Indiana is known for its low cost of living, which we will discuss now.
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The cost of living in Indiana is 10 points below the national average. On average, the cost of a home is around $186,100, with utilities costing about slightly less than the national average, however, health and transportation are much cheaper a month compared to the rest of the country. . Overall, Indiana’s cost of living is much cheaper, with housing being almost half of what the national average is, compared to the rest of the country. If you’re looking to save money when you retire, this is a great place to look into, especially if you don’t want to move somewhere expensive.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
Mishawaka, IN
4.2 · 39 reviews
Indianapolis, IN
4.5 · 29 reviews
Plainfield, IN
4.0 · 29 reviews
Fort Wayne, IN
4.9 · 27 reviews
Indianapolis, IN
4.5 · 27 reviews
Indianapolis, IN
4.0 · 27 reviews
Caregivers who come to you
Indianapolis, IN
4.9 · 270 reviews
Schererville, IN
4.5 · 123 reviews
Indianapolis, IN
4.9 · 121 reviews
Highland, IN
4.5 · 112 reviews
Anderson, IN
4.6 · 89 reviews
Valparaiso, IN
4.2 · 85 reviews
55+ housing without daily care
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Guides for families
Resource library
For two years, a federal program quietly held down the premiums on stand-alone Medicare drug plans. It ends with the 2027 plan year, which is why some Part D premiums could jump more this Open Enrollment than they have recently. Here is what changed, who is affected, and how to protect your drug costs before December 7.
Resource library
In 2027, the full retirement age for Social Security finishes its long climb to 67. People born in 1960 are the first group to reach a full retirement age of exactly 67. Here is what that changes, what it does not, and how the age you claim still moves your check by hundreds of dollars a month.
Resource library
The federal government has stopped mailing most paper checks, and Social Security wants every beneficiary on direct deposit or a Direct Express card by the end of 2026. Fewer than 1 percent of recipients still get a check in the mail. Here is who is affected, how to switch, and the narrow exceptions that let a few people keep paper.
Savings
Find affordable lawn care for seniors through volunteer groups, local assistance programs, and competitive quotes. Learn how to request discounts and reduce ongoing yard maintenance costs.
Savings
Fifteen senior discounts and memberships that are actually published, with the age, the price and the fine print for each, plus which store discounts are real only if your local branch says so.
Savings
Five of these 18 chains publish a senior or member discount you can count on. The other 13 leave it to the franchise owner. Here's which is which, what's been reported, and how to ask.
More beyond care: all savings guides and all buying guides.
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