Naples vs Odessa
Cost of Living Comparison · 2026
Naples
Odessa
The Verdict
Living in Odessa costs 50.6% less than Naples. To match the purchasing power of a $75,000 salary in Naples, you would need $49,805 in Odessa.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Naples has the same purchasing power as $49,805 in Odessa.
Conversely, $75,000 in Odessa equals $112,941 in Naples.
Living in Naples vs Odessa
Housing Costs
Naples's housing index of 180 is higher Odessa's 72, translating to median home prices of $520,000 vs $223,000. The $297,000 difference in home prices means roughly $19,308 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,100/mo in Naples compared to $1,150/mo in Odessa, a monthly difference of $950.
Grocery & Food Costs
Grocery expenses index at 106 in Naples and 96 in Odessa. A household spending the national average of $475/month on groceries would pay approximately $504/month in Naples vs $456/month in Odessa. Odessa offers a meaningful advantage on everyday food costs, saving roughly $576/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 96 in Naples and 100 in Odessa. Monthly utility bills average approximately $384 in Naples vs $400 in Odessa. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 98 in Naples 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 $72,178 in Naples and $73,500 in Odessa. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,389 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 $1,684/month to housing in Naples vs $1,715/month in Odessa. In Naples, median rent of $2,100/mo exceeds this threshold, suggesting renters may feel stretched. 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 108 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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