Modesto vs Racine
Cost of Living Comparison · 2026
Modesto
Racine
The Verdict
Racine is 27.3% less expensive than Modesto overall. A household earning $75,000 in Modesto would need approximately $58,929 in Racine 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 $58,929 in Racine.
Conversely, $75,000 in Racine equals $95,455 in Modesto.
Living in Modesto vs Racine
Housing Costs
Modesto's housing index of 121 is higher Racine's 66, translating to median home prices of $380,000 vs $126,000. The $254,000 difference in home prices means roughly $16,512 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Modesto compared to $1,025/mo in Racine, a monthly difference of $375.
Grocery & Food Costs
Grocery expenses index at 100 in Modesto and 97 in Racine. A household spending the national average of $475/month on groceries would pay approximately $475/month in Modesto vs $461/month in Racine. 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 94 in Racine. Monthly utility bills average approximately $432 in Modesto vs $376 in Racine. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 100 in Modesto and 111 in Racine. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 11-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 $57,700 in Racine. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $49,230 and $65,568 respectively. Racine 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 $1,346/month in Racine. In Modesto, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Racine, median rent of $1,025/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 55 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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