Abilene vs Modesto
Cost of Living Comparison · 2026
Abilene
Modesto
The Verdict
The cost gap between these cities is 28.6%, with Abilene being the more affordable option. A $75,000 income in Abilene has equivalent purchasing power to $105,000 in Modesto.
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 $105,000 in Modesto.
Conversely, $75,000 in Modesto equals $53,571 in Abilene.
Living in Abilene vs Modesto
Housing Costs
Abilene's housing index of 58 is lower Modesto's 121, translating to median home prices of $179,000 vs $380,000. The $201,000 difference in home prices means roughly $13,068 per year in additional mortgage costs at current rates. Renters face a similar gap: $950/mo in Abilene compared to $1,400/mo in Modesto, a monthly difference of $450.
Grocery & Food Costs
Grocery expenses index at 91 in Abilene and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $432/month in Abilene vs $475/month in Modesto. Abilene offers a meaningful advantage on everyday food costs, saving roughly $516/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 97 in Abilene and 108 in Modesto. Monthly utility bills average approximately $388 in Abilene vs $432 in Modesto. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 96 in Abilene and 100 in Modesto. 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 $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $78,250 and $49,230 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 $1,287/month in Modesto. In Abilene, median rent of $950/mo fits within this budget. In Modesto, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 63 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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