Overall
- Bloomington
- 93.5
- Merced
- 98.3
Diff +4.7 RPP
Bloomington vs Merced
Cost of living comparison based on BEA Regional Price Parities. Merced is 5.1% more expensive than Bloomington.
5.1% more expensive
Merced, CA is 5.1% more expensive than Bloomington, IL on BEA Regional Price Parities (overall RPP 98.3 vs 93.5). A $100,000 salary in Bloomington buys about the same as $105,065 in Merced; the largest component gap is services.
- Overall RPP 93.5 (Bloomington) vs 98.3 (Merced)
- $100k in Bloomington ≈ $105,065 purchasing power in Merced
- Services drives the gap (+68.7 RPP points)
RPP parity plate
Pair IL:CA 93.5→98.3
TIER-NEAR · CROSS-STATE · SERVICES-LED · BOTH-BELOW · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE IL × CA
- SERVICES-LED Services-led gap
- BOTH-BELOW Both below 100
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
What This Comparison Actually Tells You
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
Merced, CA is 5.1% more expensive than Bloomington, IL, a meaningful but not extreme shift. The move decision turns on which budget category creates the 4.7-point overall gap.
Services leads the difference, with Merced 68.7 points higher than Bloomington. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Bloomington to $105,065 in Merced, but it is not a personal spending weight.
How the Price Gap Changed
Bloomington and Merced share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 2.6 to 4.7 RPP points. Merced remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 64.6 points between the first and latest shared releases (4.1 to 68.7 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Bloomington RPP | Merced RPP | Relative Gap |
|---|---|---|---|
| 2008 | 96.9 | 94.3 | 2.6 points Bloomington higher |
| 2012 | 96.4 | 98.6 | 2.2 points Merced higher |
| 2016 | 93.8 | 95.3 | 1.5 points Merced higher |
| 2020 | 92.7 | 98.7 | 6.0 points Merced higher |
| 2024 | 93.5 | 98.3 | 4.7 points Merced higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Category Breakdown
Goods
- Bloomington
- 93.6
- Merced
- 105.2
Diff +11.5 RPP
Services
- Bloomington
- 89.6
- Merced
- 158.3
Diff +68.7 RPP
Rents
- Bloomington
- 74.7
- Merced
- 78.6
Diff +3.9 RPP
| Category | Bloomington | Merced | Difference |
|---|---|---|---|
| Overall | 93.5 | 98.3 | +4.7 |
| Goods | 93.6 | 105.2 | +11.5 |
| Services | 89.6 | 158.3 | +68.7 |
| Rents | 74.7 | 78.6 | +3.9 |
Visual Comparison
Overall
Bloomington 93.5
Merced 98.3
Goods
Bloomington 93.6
Merced 105.2
Services
Bloomington 89.6
Merced 158.3
Rents
Bloomington 74.7
Merced 78.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Bloomington would need to be in Merced for the same purchasing power:
| In Bloomington | In Merced | Difference |
|---|---|---|
| $50,000 | $52,533 | +$2,533 |
| $75,000 | $78,799 | +$3,799 |
| $100,000 | $105,065 | +$5,065 |
| $150,000 | $157,598 | +$7,598 |
$ in Bloomington = in Merced
Same BEA Regional Price Parity ratio as the table above (93.5 → 98.3), computed live from your number, nothing is sent anywhere.
Bloomington
93.5
Cost Index
Merced
98.3
Cost Index
Frequently Asked Questions
Is Merced more expensive than Bloomington?
Merced is 5.1% more expensive than Bloomington. The overall cost index is 98.3 vs 93.5 (national average = 100).
What salary in Merced equals $100K in Bloomington?
A $100,000 salary in Bloomington has the same purchasing power as $105,065 in Merced. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Bloomington and Merced?
Rents in Bloomington are indexed at 74.7 while Merced is at 78.6 (national average = 100). Merced has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.