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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 spend $2.0K/month more in Seattle, WA

$150.0K in your current city equals $174.6K in Seattle, WA

Rent data from HUD ZIP-level estimates · COL index from Providence-Warwick, RI-MA area
Overall Cost
27.3%
More expensive
Monthly Impact
$2,050
Extra cost
Annual Impact
$24.6K
Per year

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

Providence, RI

Population:191K
Cost Index:
100
100 = national average
Median Home:$430K

Seattle, WA

Population:749K
Cost Index:
127
(27% above avg)
Median Home:$808K

Providence, RI

The Ocean State

191K
Population
State Tax
Yes

Located in Rhode Island, this city has a population of 191K residents.

Seattle, WA

The Evergreen State

749K
Population
State Tax
No Income Tax
Climate
Oceanic

Notable Facts

  • Coffee culture birthplace
  • Major tech center
  • Pacific Northwest gateway

Major Industries

TechnologyAerospaceMaritime TradeCoffee Industry

Cost Breakdown by Category

Annual spending: Providence, RI vs Seattle, WA

Housing
75.1%
Providence, RI
$4,304
Seattle, WA
$7,536
Difference
$3,232
more
Other
19.4%
Providence, RI
$1,654
Seattle, WA
$1,975
Difference
$321
more
Transportation
14.4%
Providence, RI
$1,659
Seattle, WA
$1,899
Difference
$239
more
All Utilities
29.4%
Providence, RI
$682
Seattle, WA
$481
Difference
$201
less
Healthcare
16.4%
Providence, RI
$708
Seattle, WA
$824
Difference
$116
more
Groceries
5.0%
Providence, RI
$1,028
Seattle, WA
$1,079
Difference
$51.64
more

🏠Rent Comparison

Studio
From$1,372
To$2,180
$808
1 Bed
From$1,464
To$2,260
$796
2 Bed
From$1,803
To$2,630
$827
3 Bed
From$2,181
To$3,440
$1,259
Providence, RIZIP-level data

1BR range: $1,400$1,970/mo

Seattle, WAZIP-level data

1BR range: $1,900$3,210/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.

$10,035
Monthly in Providence, RI
$13,794
Monthly in Seattle, WA
$3,759
Difference

Home Values

Providence
Seattle
$430K
Median Value
$808K
↑ +2%
YoY Change
↓ -2.5%
↑ +49.5%
5-Year Change
↑ +12.5%
$403K - $769K
Price Range
$433K - $1.34M

Homes in Seattle are 88% more expensive than Providence

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$6.4K
Per year
Monthly Difference
$537
More take-home
Effective Rate Diff
4.3%
Rate difference

Providence, RI

Federal Income Tax
Effective: 18.9%
$25.5K
Rhode Island State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.0%
$43.5K
Take-Home Pay
$8,879/month
$106.5K

Seattle, WA

Federal Income Tax
Effective: 18.9%
$25.5K
Washington State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Providence, RI Tax Rates

Sales Tax:7.0%
Property Tax:1.4%

Seattle, WA Tax Rates

Sales Tax:9.2%
Property Tax:0.9%

💡 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

Providence
Seattle
36 Good
Air Quality
41 Good
79.5%
Good Air Days
69.7%
94 Moderate
Climate Risk
100 Very High
🌊🌅🌀
Top Hazards
🌊🌡🫨
+2.5°F
2050 Outlook
+2.6°F
6 days
Heat Days >95°F
2 days
+2.5°F
2050 Outlook
+2.6°F
6 days
Heat Days >95°F
2 days

What to Consider When Moving from Providence, RI to Seattle, WA

Relocating from Providence, RI to Seattle, WA involves more than just comparing rent prices. While the overall cost of living is roughly 27% higher in Seattle, WA, 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 Seattle, WA is 75% more expensive than in Providence, RI. 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 Seattle, WA 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 Seattle, WA to match your current standard of living in Providence, RI.

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 Seattle, WA for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Providence, RI vs Seattle, WA

Is Seattle, WA cheaper than Providence, RI?

Seattle, WA is approximately 27.3% more expensive than Providence, RI overall. On a $150,000 salary, that translates to roughly $2,050/month in additional expenses. Housing is the biggest factor, costing 75% more in Seattle, WA.

What salary do I need in Seattle, WA to match my lifestyle in Providence, RI?

If you currently earn $150,000 in Providence, RI, you would need approximately $174,598 in Seattle, WA 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 Providence, RI and Seattle, WA?

A two-bedroom apartment averages $1,803/month in Providence, RI compared to $2,630/month in Seattle, WA. One-bedroom apartments are $1,464/month in Providence, RI vs $2,260/month in Seattle, WA. 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 Providence, RI or Seattle, WA?

Groceries are about 5% more expensive in Seattle, WA than in Providence, RI, which adds roughly $51.64/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Providence, RI to Seattle, WA?

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 Rhode Island and Washington on TaxTakeHome.com

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