Fort Wayne vs Modesto
Cost of Living Comparison · 2026
Fort Wayne
Modesto
The Verdict
Fort Wayne is 26.8% less expensive than Modesto overall. A household earning $75,000 in Fort Wayne would need approximately $102,439 in Modesto to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fort Wayne has the same purchasing power as $102,439 in Modesto.
Conversely, $75,000 in Modesto equals $54,911 in Fort Wayne.
Living in Fort Wayne vs Modesto
Housing Costs
Fort Wayne's housing index of 57 is lower Modesto's 121, translating to median home prices of $195,000 vs $380,000. The $185,000 difference in home prices means roughly $12,024 per year in additional mortgage costs at current rates. Renters face a similar gap: $950/mo in Fort Wayne compared to $1,400/mo in Modesto, a monthly difference of $450.
Grocery & Food Costs
Grocery expenses index at 99 in Fort Wayne and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $470/month in Fort Wayne 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 93 in Fort Wayne and 108 in Modesto. Monthly utility bills average approximately $372 in Fort Wayne vs $432 in Modesto. 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 96 in Fort Wayne 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 $54,600 in Fort Wayne and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $66,585 and $49,230 respectively. Fort Wayne residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,274/month to housing in Fort Wayne vs $1,287/month in Modesto. In Fort Wayne, median rent of $950/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 64 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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