Modesto vs Peoria
Cost of Living Comparison · 2026
Modesto
Peoria
The Verdict
Modesto is 0.9% less expensive than Peoria overall. A household earning $75,000 in Modesto would need approximately $75,670 in Peoria to maintain the same standard of living.
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 $75,670 in Peoria.
Conversely, $75,000 in Peoria equals $74,336 in Modesto.
Living in Modesto vs Peoria
Housing Costs
Modesto's housing index of 121 is lower Peoria's 149, translating to median home prices of $380,000 vs $495,000. The $115,000 difference in home prices means roughly $7,476 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Modesto compared to $1,725/mo in Peoria, a monthly difference of $325.
Grocery & Food Costs
Grocery expenses index at 100 in Modesto and 98 in Peoria. A household spending the national average of $475/month on groceries would pay approximately $475/month in Modesto vs $466/month in Peoria. 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 106 in Peoria. Monthly utility bills average approximately $432 in Modesto vs $424 in Peoria. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 100 in Modesto and 86 in Peoria. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 14-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,138 in Modesto and $97,300 in Peoria. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,230 and $86,106 respectively. Peoria 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 $2,270/month in Peoria. In Modesto, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Peoria, median rent of $1,725/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 28 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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