The Salary Index

Salary Comparison

Models: Modesto vs Irvine

Side-by-side salary, take-home pay, cost of living, and lifestyle score.

Best Value

Modesto, CA

$55,095/yr

Take-home$3,352/mo
Disposable$850/mo
Lifestyle5/10 ยท Tight

Irvine, CA

$66,310/yr

Take-home$4,034/mo
Disposable$56/mo
Lifestyle3/10 ยท Tight
๐Ÿ†

Our recommendation: Modesto, CA

Modesto offers $794 more per month in disposable income, giving a stronger financial outcome despite a lower gross salary.

Full Breakdown

Modesto

Irvine

Diff (Aโˆ’B)

Annual Gross Salary

$55,095

$66,310

$11,215

A vs B

Monthly Take-Home

After estimated federal + state taxes

$3,352

$4,034

$682

A vs B

Cost of Living Index

Lower is more affordable. US avg = 100

93

148

-55 pts

A vs B

Monthly Living Costs

Housing, food, transport, utilities, healthcare

$2,502

$3,978

$1,476

A vs B

Monthly Rent

$1,420

$2,580

$1,160

A vs B

Monthly Disposable

$850

$56

+$794

A vs B

Purchasing Power Score

Take-home รท living costs. Higher is better

1.34ร—

1.01ร—

+0.33ร—

A vs B

Lifestyle Score

5/10 (Tight)

3/10 (Tight)

+2

A vs B

Salary estimates based on BLS metro data. Cost of living from regional price indices. All figures are estimates; verify with employers before making decisions.