Cary vs Plano
Cost of Living Comparison · 2026
Cary
Plano
The Verdict
Cary is 2.8% less expensive than Plano overall. A household earning $75,000 in Cary would need approximately $77,123 in Plano 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 $77,123 in Plano.
Conversely, $75,000 in Plano equals $72,936 in Cary.
Living in Cary vs Plano
Housing Costs
Cary's housing index of 152 is higher Plano's 123, translating to median home prices of $500,000 vs $400,000. The $100,000 difference in home prices means roughly $6,504 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 Plano, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 101 in Cary and 98 in Plano. A household spending the national average of $475/month on groceries would pay approximately $480/month in Cary vs $466/month in Plano. 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 99 in Plano. Monthly utility bills average approximately $388 in Cary vs $396 in Plano. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 113 in Cary and 100 in Plano. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 13-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 $96,348 in Plano. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $110,755 and $88,393 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 $2,248/month in Plano. In Cary, median rent of $1,850/mo fits within this budget. In Plano, median rent of $1,700/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 29 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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