Tampa, FL vs Modesto, CA
Moving from Tampa to Modesto? Here's what changes — from your equivalent salary to housing ($360,738 → $468,302 median home) and taxes.
Tampa 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 Tampa, FL, you'd need about $102,590 in Modesto, CA (+$2,590).
Livability — Tampa, FL: 65 · Modesto, CA: 52 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,564 sqft in Tampa vs 1,602 sqft in Modesto ($195 vs $312 per sqft).
Annual cost breakdown (at $100,000)
| Category | Tampa, FL | Modesto, CA | Difference |
|---|---|---|---|
| Housing | $24,216 | $24,624 | +$408 |
| Groceries | $4,949 | $5,247 | +$298 |
| Transportation | $4,800 | $5,125 | +$325 |
| Utilities | $1,656 | $3,804 | +$2,148 |
| Insurance | $4,200 | $1,500 | −$2,700 |
| Taxes | $4,642 | $19,239 | +$14,597 |
| Total | $44,463 | $59,539 | +$15,076 |
Side by side
| Metric | Tampa, FL | Modesto, CA |
|---|---|---|
| Cost-of-living index | 102.5 | 105.1 |
| Unemployment rate | 4.92% | 8.16% |
| Population growth (5-yr) | 7.3% | 3.1% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.83 | $5.98 |
| Median home price | $360,738 | $468,302 |
| Home price ÷ income | 5.4× | 6.3× |
| 1-yr home appreciation | -3.4% | -0.8% |
| Price per square foot | $195 | $312 |
| Median rent | $2,018 | $2,052 |
| Total tax burden (% income) | 9.1% | 13.5% |
| Combined sales tax | 7.02% | 8.82% |
| Capital gains tax | None | 13.30% |
| Property tax rate | 0.80% | 0.73% |
| Healthcare (annual) | $7,500 | $7,200 |
| Childcare (annual, infant) | $10,000 | $19,000 |
| Vehicle property tax | None | 0.65% |
| Avg commute (min) | 28 | 31 |
| Home insurance / yr | $4,200 | $1,500 |
| Auto insurance / yr | $2,900 | $2,400 |
| Flood insurance / yr | $1,400 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 15.4 | 35.3 |
| Gas $/gal | 3.35 | 4.85 |
| Natural gas / mo | $38 | $72 |
| Water & sewer / mo | $88 | $138 |
| Home internet / mo | $76 | $83 |
| Violent crime /100k | 380 | 500 |
| Avg summer high °F | 91 | 84 |
| Avg winter low °F | 52 | 45 |
| Annual precipitation (in) | 49.5 | 13.5 |
| Annual snowfall (in) | 0.0 | 0.0 |
| Sunshine (% possible) | 66% | 75% |
| Permit difficulty (1–5) | 3 | 5 |