Albany vs Topeka
Cost of Living Comparison · 2026
Albany
Topeka
The Verdict
Living in Topeka costs 19.3% less than Albany. To match the purchasing power of a $75,000 salary in Albany, you would need $62,879 in Topeka.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Albany has the same purchasing power as $62,879 in Topeka.
Conversely, $75,000 in Topeka equals $89,458 in Albany.
Living in Albany vs Topeka
Housing Costs
Albany's housing index of 93 is higher Topeka's 55, translating to median home prices of $220,000 vs $175,000. The $45,000 difference in home prices means roughly $2,928 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Albany compared to $900/mo in Topeka, a monthly difference of $300.
Grocery & Food Costs
Grocery expenses index at 102 in Albany and 98 in Topeka. A household spending the national average of $475/month on groceries would pay approximately $485/month in Albany vs $466/month in Topeka. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 107 in Albany and 97 in Topeka. Monthly utility bills average approximately $428 in Albany vs $388 in Topeka. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in Albany and 96 in Topeka. 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 $43,098 in Albany and $55,500 in Topeka. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $43,533 and $66,867 respectively. Topeka residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,006/month to housing in Albany vs $1,295/month in Topeka. In Albany, median rent of $1,200/mo exceeds this threshold, suggesting renters may feel stretched. In Topeka, median rent of $900/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 38 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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