Providence vs Long Beach

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Rhode Island salaries · California salaries

Living in Providence vs Long Beach

Housing is typically the biggest factor in any cost-of-living comparison. Providence has a housing index of 118 while Long Beach sits at 236 (national average = 100). The median home in Providence costs $310,000 compared to $700,000 in Long Beach, a difference of $390,000. Monthly rent follows a similar pattern: $1,500 in Providence versus $2,200 in Long Beach.

Groceries and everyday expenses show a narrower gap: Providence scores 105 while Long Beach scores 106.

Healthcare costs in Providence (112) are higher than Long Beach (103).

Median household income in Providence is $47,012 compared to $60,567 in Long Beach. When adjusted for cost of living, income goes further in Providence.

Relocating: Providence vs Long Beach

If you are considering a move between Providence (index: 110) and Long Beach (index: 155), the 29% cost difference has real implications for your budget. Providence is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Providence can afford $1,097/month, while the median household in Long Beach can afford $1,413/month. With median homes at $310,000 in Providence versus $700,000 in Long Beach, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $1,500/month in Providence and $2,200/month in Long Beach, renters save significantly in Providence. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in Providence. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Providence (110) vs Long Beach (155)

The cost of living index uses 100 as the national average. Providence at 110 is 10% above the US average, while Long Beach at 155 is 55% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

The 45-point spread between Long Beach (155) and Providence (110) is large enough to reshape a household budget entirely, especially for single-income families. The biggest category divergence is housing, where Providence scores 118 and Long Beach scores 236. That 118-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Providence with indices of 118 versus 236. Median home prices of $310,000 in Providence and $700,000 in Long Beach underscore this gap. Neither city is cheaper across the board: Providence has an edge in housing and groceries, while Long Beach is more affordable for utilities and healthcare. Your actual savings depend on which categories consume the biggest share of your personal budget.

For renters: With median rents of $1,500/month in Providence and $2,200/month in Long Beach, the annual rent difference is approximately $8,400. Over a 5-year period, that compounds to $42,000 in savings by choosing the more affordable city.

For homebuyers: The $390,000 difference in median home prices between Providence and Long Beach translates to roughly $23,400 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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