Medford vs Naples
Cost of Living Comparison · 2026
Medford
Naples
The Verdict
Living in Medford costs 17.2% less than Naples. To match the purchasing power of a $75,000 salary in Medford, you would need $90,566 in Naples.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Medford has the same purchasing power as $90,566 in Naples.
Conversely, $75,000 in Naples equals $62,109 in Medford.
Living in Medford vs Naples
Housing Costs
Medford's housing index of 139 is lower Naples's 180, translating to median home prices of $406,000 vs $520,000. The $114,000 difference in home prices means roughly $7,416 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Medford compared to $2,100/mo in Naples, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 108 in Medford and 106 in Naples. A household spending the national average of $475/month on groceries would pay approximately $513/month in Medford vs $504/month in Naples. 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 97 in Medford and 96 in Naples. Monthly utility bills average approximately $388 in Medford vs $384 in Naples. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in Medford and 98 in Naples. 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 $73,200 in Medford and $72,178 in Naples. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,057 and $56,389 respectively. Medford residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,708/month to housing in Medford vs $1,684/month in Naples. In Medford, median rent of $1,375/mo fits within this budget. In Naples, median rent of $2,100/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 41 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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