Concord vs Santa Rosa
Cost of Living Comparison · 2026
Concord
Santa Rosa
The Verdict
Concord is 3.3% less expensive than Santa Rosa overall. A household earning $75,000 in Concord would need approximately $77,551 in Santa Rosa 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 Concord has the same purchasing power as $77,551 in Santa Rosa.
Conversely, $75,000 in Santa Rosa equals $72,533 in Concord.
Living in Concord vs Santa Rosa
Housing Costs
Concord's housing index of 210 is lower Santa Rosa's 233, translating to median home prices of $680,000 vs $720,000. The $40,000 difference in home prices means roughly $2,604 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Concord compared to $2,100/mo in Santa Rosa, a monthly difference of $250.
Grocery & Food Costs
Grocery expenses index at 112 in Concord and 107 in Santa Rosa. A household spending the national average of $475/month on groceries would pay approximately $532/month in Concord vs $508/month in Santa Rosa. 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 147 in Concord and 135 in Santa Rosa. Monthly utility bills average approximately $588 in Concord vs $540 in Santa Rosa. 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 112 in Santa Rosa. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-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 $94,300 in Santa Rosa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $74,150 and $62,039 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 $2,200/month in Santa Rosa. In Concord, median rent of $2,350/mo fits within this budget. In Santa Rosa, median rent of $2,100/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 23 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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