Cary vs Gilbert
Cost of Living Comparison · 2026
Cary
Gilbert
The Verdict
Cary is 4.5% less expensive than Gilbert overall. A household earning $75,000 in Cary would need approximately $78,538 in Gilbert 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 Cary has the same purchasing power as $78,538 in Gilbert.
Conversely, $75,000 in Gilbert equals $71,622 in Cary.
Living in Cary vs Gilbert
Housing Costs
Cary's housing index of 152 is higher Gilbert's 128, translating to median home prices of $500,000 vs $470,000. The $30,000 difference in home prices means roughly $1,956 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,850/mo in Cary compared to $1,700/mo in Gilbert, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 101 in Cary and 100 in Gilbert. A household spending the national average of $475/month on groceries would pay approximately $480/month in Cary vs $475/month in Gilbert. 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 97 in Cary and 96 in Gilbert. Monthly utility bills average approximately $388 in Cary vs $384 in Gilbert. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 113 in Cary and 95 in Gilbert. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $117,400 in Cary and $94,518 in Gilbert. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $110,755 and $85,151 respectively. Cary residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,739/month to housing in Cary vs $2,205/month in Gilbert. In Cary, median rent of $1,850/mo fits within this budget. In Gilbert, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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