Concord vs Hilo
Cost of Living Comparison · 2026
Concord
Hilo
The Verdict
Living in Concord costs 24.2% less than Hilo. To match the purchasing power of a $75,000 salary in Concord, you would need $99,000 in Hilo.
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 $99,000 in Hilo.
Conversely, $75,000 in Hilo equals $56,818 in Concord.
Living in Concord vs Hilo
Housing Costs
Concord's housing index of 110 is lower Hilo's 149, translating to median home prices of $340,000 vs $555,000. The $215,000 difference in home prices means roughly $13,980 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Concord compared to $1,575/mo in Hilo, a monthly difference of $200.
Grocery & Food Costs
Grocery expenses index at 101 in Concord and 149 in Hilo. A household spending the national average of $475/month on groceries would pay approximately $480/month in Concord vs $708/month in Hilo. Concord offers a meaningful advantage on everyday food costs, saving roughly $2736/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 110 in Concord and 218 in Hilo. Monthly utility bills average approximately $440 in Concord vs $872 in Hilo. 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 Concord and 118 in Hilo. 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 $84,900 in Concord and $78,700 in Hilo. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $84,900 and $59,621 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 $1,981/month to housing in Concord vs $1,836/month in Hilo. In Concord, median rent of $1,375/mo fits within this budget. In Hilo, median rent of $1,575/mo remains manageable. The biggest category-level difference between these two cities is Utilities, where the gap is 108 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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