Fishers vs Modesto
Cost of Living Comparison · 2026
Fishers
Modesto
The Verdict
Living in Fishers costs 5.4% less than Modesto. To match the purchasing power of a $75,000 salary in Fishers, you would need $79,245 in Modesto.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fishers has the same purchasing power as $79,245 in Modesto.
Conversely, $75,000 in Modesto equals $70,982 in Fishers.
Living in Fishers vs Modesto
Housing Costs
Fishers's housing index of 120 is lower Modesto's 121, translating to median home prices of $391,000 vs $380,000. The $11,000 difference in home prices means roughly $720 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,475/mo in Fishers compared to $1,400/mo in Modesto, a monthly difference of $75.
Grocery & Food Costs
Grocery expenses index at 99 in Fishers and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $470/month in Fishers 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 100 in Fishers and 108 in Modesto. Monthly utility bills average approximately $400 in Fishers vs $432 in Modesto. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 99 in Fishers 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 $130,200 in Fishers and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $122,830 and $49,230 respectively. Fishers residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $3,038/month to housing in Fishers vs $1,287/month in Modesto. In Fishers, median rent of $1,475/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 9 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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