Nampa vs Odessa
Cost of Living Comparison · 2026
Nampa
Odessa
The Verdict
Odessa is 23.5% less expensive than Nampa overall. A household earning $75,000 in Nampa would need approximately $60,714 in Odessa 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 Nampa has the same purchasing power as $60,714 in Odessa.
Conversely, $75,000 in Odessa equals $92,647 in Nampa.
Living in Nampa vs Odessa
Housing Costs
Nampa's housing index of 104 is higher Odessa's 72, translating to median home prices of $371,000 vs $223,000. The $148,000 difference in home prices means roughly $9,624 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Nampa compared to $1,150/mo in Odessa, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 105 in Nampa and 96 in Odessa. A household spending the national average of $475/month on groceries would pay approximately $499/month in Nampa vs $456/month in Odessa. Odessa offers a meaningful advantage on everyday food costs, saving roughly $516/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 83 in Nampa and 100 in Odessa. Monthly utility bills average approximately $332 in Nampa vs $400 in Odessa. 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 102 in Nampa and 96 in Odessa. 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 $74,300 in Nampa and $73,500 in Odessa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,762 and $86,471 respectively. Odessa residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,734/month to housing in Nampa vs $1,715/month in Odessa. In Nampa, median rent of $1,500/mo fits within this budget. In Odessa, median rent of $1,150/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 32 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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