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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $206/month moving to Boise City, ID

$150.0K in your current city equals $147.5K in Boise City, ID

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
2.8%
Less expensive
Monthly Impact
$206
Savings
Annual Impact
$2.5K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Modesto, CA

Population:218K
Cost Index:
100
100 = national average
Median Home:$424K

Boise City, ID

Population:235K
Cost Index:
97
(3% below avg)
Median Home:$504K

Modesto, CA

The Golden State

218K
Population
State Tax
Yes

Located in California, this city has a population of 218K residents.

Boise City, ID

The Gem State

235K
Population
State Tax
Yes

Located in Idaho, this city has a population of 235K residents.

Cost Breakdown by Category

Annual spending: Modesto, CA vs Boise City, ID

Transportation
10.2%
Modesto, CA
$1,475
Boise City, ID
$1,325
Difference
$150
less
Healthcare
28.4%
Modesto, CA
$502
Boise City, ID
$644
Difference
$143
more
Groceries
10.1%
Modesto, CA
$1,089
Boise City, ID
$979
Difference
$110
less
Housing
3.4%
Modesto, CA
$3,092
Boise City, ID
$2,989
Difference
$104
less
Other
2.9%
Modesto, CA
$1,724
Boise City, ID
$1,774
Difference
$50.22
more
All Utilities
8.2%
Modesto, CA
$530
Boise City, ID
$486
Difference
$43.71
less

🏠Rent Comparison

Studio
From$1,290
To$950
$340
1 Bed
From$1,390
To$1,100
$290
2 Bed
From$1,800
To$1,400
$400
3 Bed
From$2,500
To$1,950
$550
Modesto, CAZIP-level data

1BR range: $1,250$1,780/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,413
Monthly in Modesto, CA
$8,198
Monthly in Boise City, ID
$215
Difference

Home Values

Modesto
Boise City
$424K
Median Value
-
↓ -1.2%
YoY Change
-
↑ +26.4%
5-Year Change
-
$371K - $513K
Price Range
-

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$5.6K
More taxes
Monthly Difference
$468
Less take-home
Effective Rate Diff
3.7%
Rate difference

Modesto, CA

Federal Income Tax
Effective: 18.9%
$25.5K
California State Tax
Effective: 7.1%
$10.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.6K
Take-Home Pay
$8,530/month
$102.4K

Boise City, ID

Federal Income Tax
Effective: 18.9%
$25.5K
Idaho State Tax
Effective: 10.8%
$16.2K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 35.5%
$53.3K
Take-Home Pay
$8,062/month
$96.7K

Additional Tax Information

Modesto, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Boise City, ID Tax Rates

Sales Tax:6.3%
Property Tax:0.7%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Modesto
Boise City
53 Moderate
Air Quality
44 Good
45.4%
Good Air Days
62.8%
97 High
Climate Risk
88 Moderate
🌊🫨
Top Hazards
🔥💨
+2.4°F
2050 Outlook
+3.3°F
67 days
Heat Days >95°F
49 days
+2.4°F
2050 Outlook
+3.3°F
67 days
Heat Days >95°F
49 days

What to Consider When Moving from Modesto, CA to Boise City, ID

Relocating from Modesto, CA to Boise City, ID involves more than just comparing rent prices. While the overall cost of living is about 3% lower in Boise City, ID, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Boise City, ID is 3% cheaper than in Modesto, CA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Boise City, ID pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Boise City, ID to match your current standard of living in Modesto, CA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Boise City, ID for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Modesto, CA vs Boise City, ID

Is Boise City, ID cheaper than Modesto, CA?

Yes, Boise City, ID is about 2.8% cheaper than Modesto, CA. You could save approximately $206/month on a $150,000 salary. Housing costs are 3% lower in Boise City, ID.

What salary do I need in Boise City, ID to match my lifestyle in Modesto, CA?

If you currently earn $150,000 in Modesto, CA, you would need approximately $147,523 in Boise City, ID to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Modesto, CA and Boise City, ID?

A two-bedroom apartment averages $1,800/month in Modesto, CA compared to $1,400/month in Boise City, ID. One-bedroom apartments are $1,390/month in Modesto, CA vs $1,100/month in Boise City, ID. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Modesto, CA or Boise City, ID?

Groceries are about 10% cheaper in Boise City, ID than in Modesto, CA, saving a typical household roughly $110/month on food.

What is the best time to move from Modesto, CA to Boise City, ID?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

💰 See how taxes change too — compare take-home pay between California and Idaho on TaxTakeHome.com

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