Abilene vs Albany
Cost of Living Comparison · 2026
Abilene
Albany
The Verdict
Living in Abilene costs 19.2% less than Albany. To match the purchasing power of a $75,000 salary in Abilene, you would need $92,813 in Albany.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Abilene has the same purchasing power as $92,813 in Albany.
Conversely, $75,000 in Albany equals $60,606 in Abilene.
Living in Abilene vs Albany
Housing Costs
Abilene's housing index of 58 is lower Albany's 93, translating to median home prices of $179,000 vs $220,000. The $41,000 difference in home prices means roughly $2,664 per year in additional mortgage costs at current rates. Renters face a similar gap: $950/mo in Abilene compared to $1,200/mo in Albany, a monthly difference of $250.
Grocery & Food Costs
Grocery expenses index at 91 in Abilene and 102 in Albany. A household spending the national average of $475/month on groceries would pay approximately $432/month in Abilene vs $485/month in Albany. Abilene offers a meaningful advantage on everyday food costs, saving roughly $636/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in Abilene and 107 in Albany. Monthly utility bills average approximately $388 in Abilene vs $428 in Albany. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 96 in Abilene and 100 in Albany. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $62,600 in Abilene and $43,098 in Albany. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $78,250 and $43,533 respectively. Abilene residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,461/month to housing in Abilene vs $1,006/month in Albany. In Abilene, median rent of $950/mo fits within this budget. In Albany, median rent of $1,200/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 35 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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