Concord vs Modesto
Cost of Living Comparison · 2026
Concord
Modesto
The Verdict
Concord is 14.3% less expensive than Modesto overall. A household earning $75,000 in Concord would need approximately $87,500 in Modesto 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 $87,500 in Modesto.
Conversely, $75,000 in Modesto equals $64,286 in Concord.
Living in Concord vs Modesto
Housing Costs
Concord's housing index of 89 is lower Modesto's 121, translating to median home prices of $380,000 vs $380,000. The $0 difference in home prices means roughly $0 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Concord compared to $1,400/mo in Modesto, a monthly difference of $50.
Grocery & Food Costs
Grocery expenses index at 97 in Concord and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $461/month in Concord vs $475/month in Modesto. 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 Concord and 108 in Modesto. Monthly utility bills average approximately $388 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 104 in Concord and 100 in Modesto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $86,900 in Concord and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $90,521 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 $2,028/month to housing in Concord vs $1,287/month in Modesto. In Concord, median rent of $1,350/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 32 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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