Medford vs Seattle
Cost of Living Comparison · 2026 Data
Medford
Seattle
💡 The Verdict
Medford is 23% cheaper than Seattle overall. A $75,000 salary in Medford is equivalent to $97,436 in Seattle.
Category-by-Category Breakdown
Index values for Medford (left) vs Seattle (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Medford versus Seattle. Differences shown from Medford perspective.
| Item | Medford | Seattle | Difference |
|---|---|---|---|
| 1-Bed Rent | $890/mo | $1,640/mo | $-750.00 |
| 2-Bed Rent | $1,200/mo | $2,300/mo | $-1100.00 |
| 3-Bed Rent | $1,590/mo | $3,090/mo | $-1500.00 |
| Bread (loaf) | $3.32 | $3.00 | +$0.32 |
| Milk (gallon) | $4.61 | $4.02 | +$0.59 |
| Eggs (dozen) | $3.58 | $3.58 | $0.00 |
| Coffee (latte) | $6.61 | $5.87 | +$0.74 |
| Gas (gallon) | $3.64 | $3.64 | $0.00 |
| Restaurant Meal | $15.21 | $22.87 | $-7.66 |
💰 Salary Equivalence
A $75,000 salary in Medford has the same purchasing power as $97,436 in Seattle.
Conversely, $75,000 in Seattle equals $57,730 in Medford.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $6000 difference is driven by Oregon having a higher state income tax rate. Oregon details → · Washington details →
Reading These Numbers: Medford (117) vs Seattle (152)
Medford at 117 is 17% above the US average, while Seattle at 152 is 52% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
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 $2,300/mo in Seattle, the annual rent difference is approximately $13,200.0. Over a 5-year period, that compounds to $66,000.0 in savings by choosing the more affordable city.
For homebuyers: The $460,000.0 difference in median home prices between Medford and Seattle 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 Seattle
Choosing between Medford and Seattle 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.
When weighing Medford against Seattle, think beyond the composite index. Your personal savings rate, retirement timeline, and family size all influence which cost categories dominate your budget. Someone spending sixty percent of income on housing and childcare will experience these two cities very differently than a single renter whose largest variable expense is dining out. Model your own spending breakdown against the category indices above for the most realistic comparison.