Modesto vs Overland Park

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Modesto has the same purchasing power as $70,982 in Overland Park.

Conversely, $75,000 in Overland Park equals $79,245 in Modesto.

Living in Modesto vs Overland Park

Housing Costs

Modesto's housing index of 121 is higher Overland Park's 109, translating to median home prices of $380,000 vs $414,000. The $34,000 difference in home prices means roughly $2,208 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Modesto compared to $1,450/mo in Overland Park, a monthly difference of $50.

Grocery & Food Costs

Grocery expenses index at 100 in Modesto and 96 in Overland Park. A household spending the national average of $475/month on groceries would pay approximately $475/month in Modesto vs $456/month in Overland Park. 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 108 in Modesto and 98 in Overland Park. Monthly utility bills average approximately $432 in Modesto vs $392 in Overland Park. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 100 in Modesto and 102 in Overland Park. 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 $55,138 in Modesto and $104,800 in Overland Park. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,230 and $98,868 respectively. Overland Park residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,287/month to housing in Modesto vs $2,445/month in Overland Park. In Modesto, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Overland Park, median rent of $1,450/mo remains manageable. The biggest category-level difference between these two cities is Transportation, where the gap is 16 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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