Irvine vs Springfield
Cost of Living Comparison · 2026
Irvine
Springfield
The Verdict
Springfield is 128.2% less expensive than Irvine overall. A household earning $75,000 in Irvine would need approximately $32,865 in Springfield 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 Irvine has the same purchasing power as $32,865 in Springfield.
Conversely, $75,000 in Springfield equals $171,154 in Irvine.
Living in Irvine vs Springfield
Housing Costs
Irvine's housing index of 294 is higher Springfield's 52, translating to median home prices of $1.1M vs $162,000. The $888,000 difference in home prices means roughly $57,720 per year in additional mortgage costs at current rates. Renters face a similar gap: $3,000/mo in Irvine compared to $925/mo in Springfield, a monthly difference of $2,075.
Grocery & Food Costs
Grocery expenses index at 108 in Irvine and 98 in Springfield. A household spending the national average of $475/month on groceries would pay approximately $513/month in Irvine vs $466/month in Springfield. Springfield offers a meaningful advantage on everyday food costs, saving roughly $564/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 115 in Irvine and 98 in Springfield. Monthly utility bills average approximately $460 in Irvine vs $392 in Springfield. 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 109 in Irvine and 91 in Springfield. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 18-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $108,038 in Irvine and $65,500 in Springfield. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $60,696 and $83,974 respectively. Springfield residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,521/month to housing in Irvine vs $1,528/month in Springfield. In Irvine, median rent of $3,000/mo exceeds this threshold, suggesting renters may feel stretched. In Springfield, median rent of $925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 242 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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