Boise vs Concord
Cost of Living Comparison · 2026
Boise
Concord
The Verdict
Boise is 27.9% less expensive than Concord overall. A household earning $75,000 in Boise would need approximately $104,009 in Concord to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Boise has the same purchasing power as $104,009 in Concord.
Conversely, $75,000 in Concord equals $54,082 in Boise.
Living in Boise vs Concord
Housing Costs
Boise's housing index of 118 is lower Concord's 210, translating to median home prices of $420,000 vs $680,000. The $260,000 difference in home prices means roughly $16,896 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Boise compared to $2,350/mo in Concord, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 99 in Boise and 112 in Concord. A household spending the national average of $475/month on groceries would pay approximately $470/month in Boise vs $532/month in Concord. Boise offers a meaningful advantage on everyday food costs, saving roughly $744/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 89 in Boise and 147 in Concord. Monthly utility bills average approximately $356 in Boise vs $588 in Concord. 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 98 in Boise and 121 in Concord. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 23-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $60,818 in Boise and $109,000 in Concord. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,375 and $74,150 respectively. Concord residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,419/month to housing in Boise vs $2,543/month in Concord. In Boise, median rent of $1,400/mo fits within this budget. In Concord, median rent of $2,350/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 92 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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