Medford vs Sacramento
Cost of Living Comparison · 2026 Data
Medford
Sacramento
💡 The Verdict
Medford is 9% cheaper than Sacramento overall. A $75,000 salary in Medford is equivalent to $82,051 in Sacramento.
Category-by-Category Breakdown
Index values for Medford (left) vs Sacramento (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Medford versus Sacramento. Differences shown from Medford perspective.
| Item | Medford | Sacramento | Difference |
|---|---|---|---|
| 1-Bed Rent | $890/mo | $1,260/mo | $-370.00 |
| 2-Bed Rent | $1,200/mo | $1,700/mo | $-500.00 |
| 3-Bed Rent | $1,590/mo | $2,230/mo | $-640.00 |
| Bread (loaf) | $3.32 | $3.03 | +$0.29 |
| Milk (gallon) | $4.61 | $3.90 | +$0.71 |
| Eggs (dozen) | $3.58 | $3.22 | +$0.36 |
| Coffee (latte) | $6.61 | $5.98 | +$0.63 |
| Gas (gallon) | $3.64 | $3.55 | +$0.09 |
| Restaurant Meal | $15.21 | $20.36 | $-5.15 |
💰 Salary Equivalence
A $75,000 salary in Medford has the same purchasing power as $82,051 in Sacramento.
Conversely, $75,000 in Sacramento equals $68,555 in Medford.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $1349 difference is driven by Oregon having a higher state income tax rate. Oregon details → · California details →
Reading These Numbers: Medford (117) vs Sacramento (128)
Medford at 117 is 17% above the US average, while Sacramento at 128 is 28% above average. The cost difference between these cities is relatively modest.
In Medford, the composite index of 117 reflects a weighted calculation where housing carries the most influence at 95, followed by groceries (115), utilities (107), transportation (116), and healthcare (117). Costs are fairly balanced across categories.
For renters: With median rents of $1,200/mo in Medford and $1,700/mo in Sacramento, the annual rent difference is approximately $6,000.0. Over a 5-year period, that compounds to $30,000.0 in savings by choosing the more affordable city.
For homebuyers: The $160,000.0 difference in median home prices between Medford and Sacramento translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Medford vs Sacramento
Choosing between Medford and Sacramento involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Medford versus Sacramento depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.