Cincinnati, OH vs Modesto, CA
Moving from Cincinnati to Modesto? Here's what changes — from your equivalent salary to housing ($311,270 → $468,302 median home) and taxes.
Cincinnati vs Modesto at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Cincinnati, OH, you'd need about $111,571 in Modesto, CA (+$11,571).
Livability — Cincinnati, OH: 70 · Modesto, CA: 52 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 1,602 sqft in Modesto ($189 vs $312 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Modesto, CA | Difference |
|---|---|---|---|
| Housing | $18,900 | $24,624 | +$5,724 |
| Groceries | $4,718 | $5,247 | +$529 |
| Transportation | $3,025 | $5,125 | +$2,100 |
| Utilities | $2,100 | $3,804 | +$1,704 |
| Insurance | $1,300 | $1,500 | +$200 |
| Taxes | $8,820 | $19,239 | +$10,419 |
| Total | $38,863 | $59,539 | +$20,676 |
Side by side
| Metric | Cincinnati, OH | Modesto, CA |
|---|---|---|
| Cost-of-living index | 94.2 | 105.1 |
| Unemployment rate | 4.37% | 8.16% |
| Population growth (5-yr) | 4.5% | 3.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.36 | $5.98 |
| Median home price | $311,270 | $468,302 |
| Home price ÷ income | 4.1× | 6.3× |
| 1-yr home appreciation | 2.5% | -0.8% |
| Price per square foot | $189 | $312 |
| Median rent | $1,575 | $2,052 |
| Total tax burden (% income) | 10.0% | 13.5% |
| Combined sales tax | 7.24% | 8.82% |
| Capital gains tax | 3.50% | 13.30% |
| Property tax rate | 1.26% | 0.73% |
| Healthcare (annual) | $6,400 | $7,200 |
| Childcare (annual, infant) | $10,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 25 | 31 |
| Home insurance / yr | $1,300 | $1,500 |
| Auto insurance / yr | $1,300 | $2,400 |
| Flood insurance / yr | $600 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 19.5 | 35.3 |
| Gas $/gal | 3.25 | 4.85 |
| Natural gas / mo | $78 | $72 |
| Water & sewer / mo | $104 | $138 |
| Home internet / mo | $76 | $83 |
| Violent crime /100k | 300 | 500 |
| Avg summer high °F | 85 | 84 |
| Avg winter low °F | 20 | 45 |
| Annual precipitation (in) | 45.3 | 13.5 |
| Annual snowfall (in) | 23.3 | 0.0 |
| Sunshine (% possible) | 50% | 75% |
| Permit difficulty (1–5) | 2 | 5 |