City comparison
Modesto, CA vs San Diego, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in San Diego, CA are 7.5% higher than in Modesto, CA. Someone earning $100,000 in Modesto, CA would need about $107,500 in San Diego, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,459 a month in San Diego, CA versus $1,356 in Modesto, CA. On $100,000, that's 40% of take-home pay in San Diego, CA and 22% in Modesto, CA.
- Both are in CA, so estimated state income tax is the same: $5,070 a year on $100,000.
- For federal employees, locality pay changes a GS-13 step 1 salary by −8.6% moving from Modesto, CA to San Diego, CA ($133,060 → $121,585), while prices change by +7.5%. Net effect of the transfer: −15.0% in real buying power.
- Modesto, CA: price level 104.1 (pricier)
- San Diego, CA: price level 111.9 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Modesto, CA | San Diego, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.1 | 111.9 |
| $100,000 is worth, in the other city2 | $107,472 in San Diego | $93,047 in Modesto |
| Typical 1-bedroom rent3 | $1,356/mo | $2,459/mo |
| Take-home on $100,00014,15,8 | $74,110 | $74,110 |
| State income tax on $100,000 (estimate)8 | $5,070 (CA) | $5,070 (CA) |
| Rent burden on $100,000 | 22% | 40% |
| Median pay, all jobs4 | $50,610 | $58,690 |
| Federal locality pay area7 | San Jose-San Francisco-Oakland, CA | San Diego-Chula Vista-Carlsbad, CA |
Rent areas: Modesto, CA MSA and San Diego-Chula Vista-Carlsbad, CA MSA. Metro areas: Modesto, CA and San Diego-Chula Vista-Carlsbad, CA.
What costs more or less
| Price level (U.S. = 100) | Modesto | San Diego |
|---|---|---|
| Housing (rent) | 108.5 | 179.3 |
| Goods | 105.2 | 108.0 |
| Utilities | 152.3 | 174.2 |
| Other services | 100.3 | 99.6 |
| Overall | 104.1 | 111.9 |
Moving with the same $100,000 salary
Modesto, CA → San Diego, CA
Same pay buys less
Buying power −7.0%; rent takes 40% of take-home; state tax +$0/yr.
25 Weak offer
San Diego, CA → Modesto, CA
Same pay goes further
Buying power +7.5%; rent takes 22% of take-home; state tax +$0/yr.
92 Strong offer
On the GS pay scale?
Modesto, CA is in the San Jose-San Francisco-Oakland, CA pay area; San Diego, CA is in San Diego-Chula Vista-Carlsbad, CA. The last column shows what a transfer from Modesto, CA to San Diego, CA at the same grade and step does to real buying power.
| Grade5,2 | Modesto, CA | San Diego, CA | Real change, Modesto → San Diego |
|---|---|---|---|
| GS-9 step 1 | $77,161 | $70,507 | −15.0% |
| GS-11 step 1 | $93,358 | $85,307 | −15.0% |
| GS-12 step 1 | $111,896 | $102,246 | −15.0% |
| GS-13 step 1 | $133,060 | $121,585 | −15.0% |
| GS-14 step 1 | $157,236 | $143,677 | −15.0% |
Pay for common jobs
| Median annual pay4 | Modesto, CA | San Diego, CA | San Diego pay in Modesto dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $101,640 | $97,000 | $90,256 (−11.2%) |
| Software Developers | $119,770 | $163,270 | $151,919 (+26.8%) |
| Accountants and Auditors | $83,560 | $96,340 | $89,642 (+7.3%) |
| Registered Nurses | $132,590 | $139,520 | $129,820 (−2.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.