Monthly Budget in Modesto for a Family of Four
What it costs two adults, two children to live in Modesto, CA in 2026.
$4,870
Total Monthly
$10,822
Salary Needed
106
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (3BR apartment) | $1,908 |
| Essential | Groceries & household supplies | $137 |
| Essential | Utilities (electric, gas, water) | $28 |
| Essential | Transportation (gas, transit, maintenance) | $60 |
| Essential | Car insurance | $352 |
| Essential | Health insurance (family plan) | $106 |
| Lifestyle | Internet & streaming | $80 |
| Lifestyle | Phone plan (4 lines) | $238 |
| Lifestyle | Dining out & takeout | $371 |
| Lifestyle | Entertainment & recreation | $318 |
| Essential | Childcare (2 children) | $1,272 |
| Essentials Subtotal | $3,863 | |
| Lifestyle Subtotal | $1,007 | |
| Total Monthly Budget | $4,870 |
💡 Salary Needed: To live in Modesto as two adults, two children with a 20% savings margin, you need approximately $10,822/year before taxes.Check affordability →