Concord CA vs Modesto CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Concord, CA
California · Population: 124,260
- Median HH Income$109,195
- Median Home Price$739,280
- Unemployment4.9%
- Bachelor's+37.8%
Modesto, CA
California · Population: 218,614
- Median HH Income$77,899
- Median Home Price$447,353
- Unemployment7.3%
- Bachelor's+20.3%
Detailed Comparison
Demographics
Population
Concord
124,260
Modesto
218,614
Modesto +
Pop. Density / sq mi
Lower = more space
Concord
N/A
Modesto
N/A
Median Age
Concord
38.6
Modesto
35.4
Modesto +
Foreign Born
Concord
25.6%
Concord +
Modesto
18.7%
White
Concord
48.1%
Modesto
50.8%
Modesto +
Black
Concord
3.9%
Modesto
4.7%
Modesto +
Asian
Concord
13.5%
Concord +
Modesto
7.4%
Hispanic
Concord
32.3%
Modesto
43.9%
Modesto +
Spanish at Home
Concord
N/A
Modesto
N/A
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Population | 124,260 | 218,614 | Modesto + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 38.6 | 35.4 | Modesto + |
| Foreign Born | 25.6% | 18.7% | Concord + |
| White | 48.1% | 50.8% | Modesto + |
| Black | 3.9% | 4.7% | Modesto + |
| Asian | 13.5% | 7.4% | Concord + |
| Hispanic | 32.3% | 43.9% | Modesto + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Concord
$109,195
Concord +
Modesto
$77,899
Per Capita Income
Concord
$49,514
Concord +
Modesto
$34,656
Per Capita Personal Income (MSA)
BEA MSA-level
Concord
$77,230
Modesto
$77,230
Tie
Unemployment Rate
Concord
4.9%
Concord +
Modesto
7.3%
Poverty Rate
Concord
8.9%
Concord +
Modesto
13.0%
Bachelor's Degree+
Concord
37.8%
Concord +
Modesto
20.3%
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Median HH Income | $109,195 | $77,899 | Concord + |
| Per Capita Income | $49,514 | $34,656 | Concord + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $77,230 | Tie |
| Unemployment Rate | 4.9% | 7.3% | Concord + |
| Poverty Rate | 8.9% | 13.0% | Concord + |
| Bachelor's Degree+ | 37.8% | 20.3% | Concord + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Concord
$739,280
Modesto
$447,353
Modesto +
Homeownership Rate
Concord
61.4%
Concord +
Modesto
58.4%
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $739,280 | $447,353 | Modesto + |
| Homeownership Rate | 61.4% | 58.4% | Concord + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Concord
503
Modesto
503
Tie
Property Crime / 100K
FBI CDE (state-level est.)
Concord
2388
Modesto
2388
Tie
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 503 | 503 | Tie |
| Property Crime / 100KFBI CDE (state-level est.) | 2388 | 2388 | Tie |
Health
Obesity Rate
CDC PLACES
Concord
29.1%
Concord +
Modesto
36.2%
Diabetes Rate
CDC PLACES
Concord
10.8%
Concord +
Modesto
12.1%
Poor Mental Health
CDC PLACES — 14+ days/month
Concord
16.6%
Concord +
Modesto
19.0%
No Health Insurance
CDC PLACES
Concord
9.3%
Concord +
Modesto
13.0%
Binge Drinking
CDC PLACES
Concord
16.2%
Concord +
Modesto
16.5%
Current Smokers
CDC PLACES
Concord
10.4%
Concord +
Modesto
13.7%
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 29.1% | 36.2% | Concord + |
| Diabetes RateCDC PLACES | 10.8% | 12.1% | Concord + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.6% | 19.0% | Concord + |
| No Health InsuranceCDC PLACES | 9.3% | 13.0% | Concord + |
| Binge DrinkingCDC PLACES | 16.2% | 16.5% | Concord + |
| Current SmokersCDC PLACES | 10.4% | 13.7% | Concord + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Concord
61.7°F
Concord +
Modesto
63.7°F
Annual Precipitation
NOAA 1991–2020 normal
Concord
18.1 in
Modesto
13.1 in
Modesto +
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 61.7°F | 63.7°F | Concord + |
| Annual PrecipitationNOAA 1991–2020 normal | 18.1 in | 13.1 in | Modesto + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Concord
7.9 µg/m³
Modesto
7.9 µg/m³
Tie
Good Air Days
AQI ≤ 50
Concord
75.0%
Modesto
75.0%
Tie
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.9 µg/m³ | 7.9 µg/m³ | Tie |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Concord
34.9 min
Modesto
30.5 min
Modesto +
| Metric | Concord, CA | Modesto, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 34.9 min | 30.5 min | Modesto + |
Which City is Right for You?
Concord leads in median household income at $109,195, while modesto offers more affordable housing with a median home price of $447,353. On public safety, Modesto is safer with a violent crime rate of 503 per 100,000 residents, compared to 503 in Concord. Concord has a lower unemployment rate at 4.9%, and Modesto has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Concord scores better with a lower obesity rate of 29.1%.
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