

Merced vs Modesto
$117/mo more in Modesto
MercedModestoAbout 30 miles apart, close enough to drive.
- Modesto leaves you more
- Rent under 30% of pay
- 252 sunny days
Same paycheck, two cities. $1,683/mo in Modesto. $1,566/mo in Merced. +$1,404 a year.
Merced
$1,566
left each month
Modesto
$1,683
+$117 vs Merced
Compare
Same paycheck, another city.
Next
In 2022-2023, 1,110 households moved Merced → Modesto (avg AGI $57,637). 972 went the other way. The whole move →
+$117 / mo
See full breakdown
| Per month | Merced | Modesto | Difference |
|---|---|---|---|
| Gross pay | $6,583 | $7,137 | +$553 |
| Income and payroll tax | $1,534 | $1,750 | +$215 |
| Take-home pay | $5,049 | $5,387 | +$338 |
| Rent | $1,271 | $1,463 | +$192 |
| Getting around | $642 | $670 | +$28 |
| Groceries | $433 | $433 | $0 |
| Healthcare | $487 | $487 | $0 |
| Utilities | $271 | $271 | $0 |
| Everything else | $379 | $379 | $0 |
| Left over | $1,566 | $1,683 | +$117 |
Salary to match Merced
$83,500
Gross pay in Modesto that leaves the same amount as $79,000 in Merced.
Tax difference
−$617
A year, in state and local income tax. Effective rates: 23.3% in Merced, 24.5% in Modesto.
More about Modesto
Merced, CA in full
State income tax topping out at 12.3%, a median 2-bedroom asking rent of $1,513 and 255 sunny days; commutes average 31 minutes.
Modesto, CA in full
State income tax topping out at 12.3%, a median 2-bedroom asking rent of $1,742 and 252 sunny days; commutes average 31 minutes.
The other way
Start in Modesto.
Modesto → Merced →Questions
Is the cost of living lower in Modesto than Merced?
For one adult in a one-bedroom, Modesto leaves about $117 more a month. A one-bedroom is about $1,271 in Merced and $1,463 in Modesto.
Does Modesto have state income tax?
Modesto is in California, which taxes wage income.
What changes if you move from Merced to Modesto?
The paycheck is taxed in California. Rent stays at the same bedroom count. What you keep is the difference.
Left over each month is take-home pay minus rent and the rest of the bills. The gap between Merced and Modesto changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Estimate, not a quote. How we figure this.