Eugene vs Franklin
Cost of Living Comparison · 2026
Eugene
Franklin
The Verdict
Living in Eugene costs 17.3% less than Franklin. To match the purchasing power of a $75,000 salary in Eugene, you would need $90,652 in Franklin.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Eugene has the same purchasing power as $90,652 in Franklin.
Conversely, $75,000 in Franklin equals $62,050 in Eugene.
Living in Eugene vs Franklin
Housing Costs
Eugene's housing index of 130 is lower Franklin's 230, translating to median home prices of $380,000 vs $750,000. The $370,000 difference in home prices means roughly $24,048 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Eugene compared to $1,850/mo in Franklin, a monthly difference of $450.
Grocery & Food Costs
Grocery expenses index at 103 in Eugene and 100 in Franklin. A household spending the national average of $475/month on groceries would pay approximately $489/month in Eugene vs $475/month in Franklin. 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 91 in Eugene and 97 in Franklin. Monthly utility bills average approximately $364 in Eugene vs $388 in Franklin. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 106 in Eugene and 91 in Franklin. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 15-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $49,448 in Eugene and $118,200 in Franklin. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $42,998 and $85,036 respectively. Franklin residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,154/month to housing in Eugene vs $2,758/month in Franklin. In Eugene, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Franklin, median rent of $1,850/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 100 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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