Monthly Budget in Modesto for a Single Adult
What it costs one working adult, no dependents to live in Modesto, CA in 2026.
$2,172
Total Monthly
$4,827
Salary Needed
106
Cost Index
Complete Monthly Budget
| Category | Expense | Monthly Cost |
|---|---|---|
| Essential | Rent (1BR apartment) | $1,272 |
| Essential | Groceries & household supplies | $43 |
| Essential | Utilities (electric, gas, water) | $19 |
| Essential | Transportation (gas, transit, maintenance) | $30 |
| Essential | Car insurance | $176 |
| Essential | Health insurance (individual) | $43 |
| Lifestyle | Internet & streaming | $80 |
| Lifestyle | Phone plan (1 line) | $85 |
| Lifestyle | Dining out & takeout | $265 |
| Lifestyle | Entertainment & recreation | $159 |
| Essentials Subtotal | $1,583 | |
| Lifestyle Subtotal | $589 | |
| Total Monthly Budget | $2,172 |
💡 Salary Needed: To live in Modesto as a one working adult, no dependents with a 20% savings margin, you need approximately $4,827/year before taxes.Check affordability →