Monthly Budget in Modesto for a Couple
What it costs two working adults, no children to live in Modesto, CA in 2026.
$2,689
Total Monthly
$5,976
Salary Needed
106
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $1,272 |
| Essential | Groceries & household supplies | $73 |
| Essential | Utilities (electric, gas, water) | $19 |
| Essential | Transportation (gas, transit, maintenance) | $45 |
| Essential | Car insurance | $264 |
| Essential | Health insurance (couple) | $77 |
| Lifestyle | Internet & streaming | $80 |
| Lifestyle | Phone plan (2 lines) | $170 |
| Lifestyle | Dining out & takeout | $424 |
| Lifestyle | Entertainment & recreation | $265 |
| Essentials Subtotal | $1,750 | |
| Lifestyle Subtotal | $939 | |
| Total Monthly Budget | $2,689 |
💡 Salary Needed: To live in Modesto as two working adults, no children with a 20% savings margin, you need approximately $5,976/year before taxes.Check affordability →