Modesto vs Riverside leftover
Moving to Riverside costs you $303 a month
$1,373/mo leftover in Riverside vs $1,676 in Modesto after tax and rent ($303 less). −$3,636 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Modesto leftover
$1,676
a month after tax and rent
Riverside leftover
$1,373
−$303 vs Modesto
Compare Modesto to another metro
Same paycheck. Try a different city next to Modesto.
Monthly gap
Modesto → Riverside
$303
less / month in Modesto
$1,373 in Riverside · $1,676 in Modesto · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 130 households moved Modesto → Riverside (avg AGI $55,685). 124 went the other way. The whole move →
−$303 / mo
| Per month | Modesto | Riverside | Difference |
|---|---|---|---|
| Gross pay | $7,125 | $7,312 | +$187 |
| Income and payroll tax | $1,745 | $1,818 | +$73 |
| Take-home pay | $5,380 | $5,494 | +$114 |
| Rent | $1,463 | $1,940 | +$477 |
| Getting around | $670 | $644 | −$26 |
| Groceries | $433 | $424 | −$9 |
| Healthcare | $487 | $477 | −$10 |
| Utilities | $271 | $265 | −$6 |
| Everything else | $379 | $371 | −$8 |
| Left over | $1,676 | $1,373 | −$303 |
To break even in Riverside, you'd need to earn
$93,500
Household gross, versus $85,500 today. That's the salary that leaves you exactly as much at the end of the month as Modesto does now.
The tax difference alone
−$208
A year, in state and local income tax. Effective rates: 24.5% in Modesto, 24.9% in Riverside.
More about Riverside
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.
Riverside, CA in full
Southern California's affordable option, paid for with a 33-minute commute.
The reverse move
Same two cities, but starting from Riverside on Riverside wages.
Riverside → Modesto →Questions
Is the cost of living lower in Riverside than Modesto?
A one-bedroom is about $1,463 in Modesto versus $1,940 in Riverside. On a one-adult, one-bedroom household, leftover is about $303 a month lower in Riverside. Change the job or household on the comparison to see your number.
Does Riverside have state income tax?
Riverside is in California, which taxes wage income.
What changes if you move from Modesto to Riverside?
Take-home pay is recalculated under California tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Modesto and Riverside moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.