Deltona vs Modesto
Cost of Living Comparison · 2026
Deltona
Modesto
The Verdict
The cost gap between these cities is 15.2%, with Deltona being the more affordable option. A $75,000 income in Deltona has equivalent purchasing power to $88,421 in Modesto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Deltona has the same purchasing power as $88,421 in Modesto.
Conversely, $75,000 in Modesto equals $63,616 in Deltona.
Living in Deltona vs Modesto
Housing Costs
Deltona's housing index of 92 is lower Modesto's 121, translating to median home prices of $303,000 vs $380,000. The $77,000 difference in home prices means roughly $5,004 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Deltona compared to $1,400/mo in Modesto, a monthly difference of $100.
Grocery & Food Costs
Grocery expenses index at 104 in Deltona and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $494/month in Deltona 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 101 in Deltona and 108 in Modesto. Monthly utility bills average approximately $404 in Deltona vs $432 in Modesto. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 99 in Deltona 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 $73,000 in Deltona and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $76,842 and $49,230 respectively. Deltona residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,703/month to housing in Deltona vs $1,287/month in Modesto. In Deltona, median rent of $1,500/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 29 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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