How the cost of living comparison works
The calculator uses the MERIC Cost of Living Data Series, which scores each state against a U.S. average of 100 using prices for housing, groceries, utilities, transportation, health care and other goods. To keep the same standard of living, your salary should change by the same ratio as the index. For example, moving from a state with an index of 90.8 to one with 140.3 means you would need about 55% more income.
The category lines show where the difference comes from. Housing usually varies the most between states.
Other things to consider before a move
- Taxes – state income tax ranges from none to more than 10%, and sales and property taxes differ too.
- Local differences – a big city can cost far more than the rest of its state.
- Pay levels – wages for the same job are often higher in expensive areas.
Frequently asked questions
Which states have the lowest cost of living?
In the second quarter of 2026, Oklahoma, Alabama, Iowa, West Virginia and Kansas had the lowest index values.
Which states are most expensive?
Hawaii, Massachusetts, California, the District of Columbia and New York had the highest values, driven mainly by housing.
Does this include taxes?
No. Use the paycheck calculator to compare take-home pay after state income tax.