Concord vs Modesto
Cost of Living Comparison · 2026
Concord
Modesto
The Verdict
The cost gap between these cities is 31.3%, with Modesto being the more affordable option. A $75,000 income in Concord has equivalent purchasing power to $57,143 in Modesto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Concord has the same purchasing power as $57,143 in Modesto.
Conversely, $75,000 in Modesto equals $98,438 in Concord.
Living in Concord vs Modesto
Housing Costs
Concord's housing index of 210 is higher Modesto's 121, translating to median home prices of $680,000 vs $380,000. The $300,000 difference in home prices means roughly $19,500 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Concord compared to $1,400/mo in Modesto, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 112 in Concord and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $532/month in Concord vs $475/month in Modesto. Modesto offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 147 in Concord and 108 in Modesto. Monthly utility bills average approximately $588 in Concord vs $432 in Modesto. 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 121 in Concord and 100 in Modesto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 21-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $109,000 in Concord and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $74,150 and $49,230 respectively. Concord residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,543/month to housing in Concord vs $1,287/month in Modesto. In Concord, median rent of $2,350/mo fits within this budget. In Modesto, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 89 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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