Lincoln vs Warwick
Cost of Living Comparison · 2026
Lincoln
Warwick
The Verdict
The cost gap between these cities is 12.3%, with Lincoln being the more affordable option. A $75,000 income in Lincoln has equivalent purchasing power to $85,484 in Warwick.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Lincoln has the same purchasing power as $85,484 in Warwick.
Conversely, $75,000 in Warwick equals $65,802 in Lincoln.
Living in Lincoln vs Warwick
Housing Costs
Lincoln's housing index of 77 is lower Warwick's 127, translating to median home prices of $264,000 vs $413,000. The $149,000 difference in home prices means roughly $9,684 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,075/mo in Lincoln compared to $1,425/mo in Warwick, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 98 in Lincoln and 102 in Warwick. A household spending the national average of $475/month on groceries would pay approximately $466/month in Lincoln vs $485/month in Warwick. 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 Lincoln and 112 in Warwick. Monthly utility bills average approximately $372 in Lincoln vs $448 in Warwick. 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 102 in Lincoln and 103 in Warwick. 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 $71,900 in Lincoln and $74,600 in Warwick. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $77,312 and $70,377 respectively. Lincoln residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,678/month to housing in Lincoln vs $1,741/month in Warwick. In Lincoln, median rent of $1,075/mo fits within this budget. In Warwick, median rent of $1,425/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 50 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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