Salary Needed to Live in Modesto as a Couple
A couple sharing expenses without children needs approximately $28,485/year to live comfortably in Modesto, CA — including 12% savings.
Comfortable Salary
$28,485
with 12% savings
Bare Minimum
$23,803
no savings buffer
Monthly Expenses
$1,448
0% below national avg
Detailed Monthly Budget for a Couple in Modesto
| Expense | Modesto | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 1-2BR Apartment Rent | $125 | $137 | -9% |
| 🛒 Groceries | $36 | $27 | +33% |
| ⚡ Utilities | $15 | $19 | -21% |
| 🚗 Transportation | $30 | $35 | -14% |
| 🛡️ Car Insurance | $176 | $215 | -18% |
| 🏥 Health Insurance | $43 | $54 | -20% |
| Internet | $69 | $65 | +6% |
| Phone (×2) | $148 | $140 | +6% |
| Dining & Social | $477 | $450 | +6% |
| Entertainment | $191 | $180 | +6% |
| Personal Care (×2) | $138 | $130 | +6% |
| Total Monthly | $1,448 | $1,452 | 0% |
How We Calculated the Salary
Monthly expenses:$1,448
Target savings (12%):$236/mo
Monthly after-tax needed:$1,684
Effective tax rate:27%
Gross annual salary needed:$28,485
Other Household Types in Modesto
Related Pages
FAQ
What salary does a couple (no kids) need in Modesto?
A couple (no kids) needs approximately $28,485/year ($2,374/month gross) to live comfortably in Modesto with a 12% savings rate.
How much is rent for a couple (no kids) in Modesto?
A 1-2br apartment in Modesto costs approximately $125/month, which is the largest single expense at 9% of the total budget.
Is Modesto affordable for a couple (no kids)?
Modesto is roughly average for couple (no kids) costs, requiring a salary close to the national median.