Concord vs 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 $84,000 in Modesto.

Conversely, $75,000 in Modesto equals $66,964 in Concord.

Living in Concord vs Modesto

Housing Costs

Concord's housing index of 110 is lower Modesto's 121, translating to median home prices of $340,000 vs $380,000. 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: $1,375/mo in Concord compared to $1,400/mo in Modesto, a monthly difference of $25.

Grocery & Food Costs

Grocery expenses index at 101 in Concord and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $480/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 110 in Concord and 108 in Modesto. Monthly utility bills average approximately $440 in Concord vs $432 in Modesto. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 113 in Concord and 100 in Modesto. 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 $84,900 in Concord and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $84,900 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 $1,981/month to housing in Concord vs $1,287/month in Modesto. In Concord, median rent of $1,375/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 Transportation, where the gap is 18 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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