Cary vs Nampa
Cost of Living Comparison · 2026
Cary
Nampa
The Verdict
The cost gap between these cities is 1.0%, with Nampa being the more affordable option. A $75,000 income in Cary has equivalent purchasing power to $74,292 in Nampa.
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 $74,292 in Nampa.
Conversely, $75,000 in Nampa equals $75,714 in Cary.
Living in Cary vs Nampa
Housing Costs
Cary's housing index of 152 is higher Nampa's 104, translating to median home prices of $500,000 vs $371,000. The $129,000 difference in home prices means roughly $8,388 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,850/mo in Cary compared to $1,500/mo in Nampa, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 101 in Cary and 105 in Nampa. A household spending the national average of $475/month on groceries would pay approximately $480/month in Cary vs $499/month in Nampa. 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 83 in Nampa. Monthly utility bills average approximately $388 in Cary vs $332 in Nampa. 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 113 in Cary and 102 in Nampa. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 11-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 $74,300 in Nampa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $110,755 and $70,762 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 $1,734/month in Nampa. In Cary, median rent of $1,850/mo fits within this budget. In Nampa, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 48 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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