Overall
Diff +3.8 RPP
Merced vs Albany
Cost of living comparison based on BEA Regional Price Parities. Albany is 3.9% more expensive than Merced.
3.9% more expensive
Albany, OR is 3.9% more expensive than Merced, CA on BEA Regional Price Parities (overall RPP 102.1 vs 98.3). A $100,000 salary in Merced buys about the same as $103,892 in Albany; the largest component gap is services.
- Overall RPP 98.3 (Merced) vs 102.1 (Albany)
- $100k in Merced ≈ $103,892 purchasing power in Albany
- Services drives the gap (-53.5 RPP points)
RPP parity plate
Pair CA:OR 98.3→102.1
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE CA × OR
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- 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.
Category Breakdown
Goods
Diff +0.1 RPP
Services
Diff -53.5 RPP
Rents
Diff +22.4 RPP
| Category | Merced | Albany | Difference |
|---|---|---|---|
| Overall | 98.3 | 102.1 | +3.8 |
| Goods | 105.2 | 105.3 | +0.1 |
| Services | 158.3 | 104.8 | -53.5 |
| Rents | 78.6 | 101.1 | +22.4 |
Visual Comparison
Overall
Merced 98.3
Albany 102.1
Goods
Merced 105.2
Albany 105.3
Services
Merced 158.3
Albany 104.8
Rents
Merced 78.6
Albany 101.1
Vertical line = national average (100)
What This Comparison Actually Tells You
Services creates the largest separation: Albany is 53.5 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Albany, OR is 3.9% more expensive than Merced, CA, a meaningful but not extreme shift. The move decision turns on which budget category creates the 3.8-point overall gap.
This route crosses the national benchmark: Albany is above 100 while Merced is below it. That makes the move a change of price regime, not merely a rank swap.
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 Merced to $103,892 in Albany, but it is not a personal spending weight.
Merced
98.3
Cost Index
Albany
102.1
Cost Index
Salary Equivalents
What a salary in Merced would need to be in Albany for the same purchasing power:
| In Merced | In Albany | Difference |
|---|---|---|
| $50,000 | $51,946 | +$1,946 |
| $75,000 | $77,919 | +$2,919 |
| $100,000 | $103,892 | +$3,892 |
| $150,000 | $155,838 | +$5,838 |
$ in Merced = in Albany
Same BEA Regional Price Parity ratio as the table above (98.3 → 102.1), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Albany more expensive than Merced?
Albany is 3.9% more expensive than Merced. The overall cost index is 102.1 vs 98.3 (national average = 100).
What salary in Albany equals $100K in Merced?
A $100,000 salary in Merced has the same purchasing power as $103,892 in Albany. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Merced and Albany?
Rents in Merced are indexed at 78.6 while Albany is at 101.1 (national average = 100). Albany 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.