Gilbert vs Nampa
Cost of Living Comparison · 2026
Gilbert
Nampa
The Verdict
Living in Nampa costs 5.7% less than Gilbert. To match the purchasing power of a $75,000 salary in Gilbert, you would need $70,946 in Nampa.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Gilbert has the same purchasing power as $70,946 in Nampa.
Conversely, $75,000 in Nampa equals $79,286 in Gilbert.
Living in Gilbert vs Nampa
Housing Costs
Gilbert's housing index of 128 is higher Nampa's 104, translating to median home prices of $470,000 vs $371,000. The $99,000 difference in home prices means roughly $6,432 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,700/mo in Gilbert compared to $1,500/mo in Nampa, a monthly difference of $200.
Grocery & Food Costs
Grocery expenses index at 100 in Gilbert and 105 in Nampa. A household spending the national average of $475/month on groceries would pay approximately $475/month in Gilbert vs $499/month in Nampa. 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 96 in Gilbert and 83 in Nampa. Monthly utility bills average approximately $384 in Gilbert vs $332 in Nampa. 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 95 in Gilbert and 102 in Nampa. 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 $94,518 in Gilbert and $74,300 in Nampa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $85,151 and $70,762 respectively. Gilbert residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,205/month to housing in Gilbert vs $1,734/month in Nampa. In Gilbert, median rent of $1,700/mo fits within this budget. In Nampa, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 24 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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