Overall
- Merced
- 98.3
- Sherman-Denison
- 93.8
Diff -4.5 RPP
Merced vs Sherman-Denison
Cost of living comparison based on BEA Regional Price Parities. Sherman-Denison is 4.6% less expensive than Merced.
4.6% less expensive
Sherman-Denison, TX is 4.6% less expensive than Merced, CA on BEA Regional Price Parities (overall RPP 93.8 vs 98.3). A $100,000 salary in Merced buys about the same as $95,417 in Sherman-Denison; the largest component gap is services.
- Overall RPP 98.3 (Merced) vs 93.8 (Sherman-Denison)
- $100k in Merced ≈ $95,417 purchasing power in Sherman-Denison
- Services drives the gap (-75.0 RPP points)
RPP parity plate
Pair CA:TX 98.3→93.8
TIER-NEAR · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-SHIFT
- TIER-NEAR Near tier
- CROSS-STATE CA × TX
- SPLIT-BUDGET Split budget
- 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.
Category Breakdown
Goods
- Merced
- 105.2
- Sherman-Denison
- 93.8
Diff -11.4 RPP
Services
- Merced
- 158.3
- Sherman-Denison
- 83.3
Diff -75.0 RPP
Rents
- Merced
- 78.6
- Sherman-Denison
- 89.5
Diff +10.8 RPP
| Category | Merced | Sherman-Denison | Difference |
|---|---|---|---|
| Overall | 98.3 | 93.8 | -4.5 |
| Goods | 105.2 | 93.8 | -11.4 |
| Services | 158.3 | 83.3 | -75.0 |
| Rents | 78.6 | 89.5 | +10.8 |
Visual Comparison
Overall
Merced 98.3
Sherman-Denison 93.8
Goods
Merced 105.2
Sherman-Denison 93.8
Services
Merced 158.3
Sherman-Denison 83.3
Rents
Merced 78.6
Sherman-Denison 89.5
Vertical line = national average (100)
What This Comparison Actually Tells You
Services creates the largest separation: Sherman-Denison is 75.0 points lower. But rents move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Sherman-Denison, TX is 4.6% less expensive than Merced, CA, a meaningful but not extreme shift. The move decision turns on which budget category creates the 4.5-point overall gap.
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.
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 $95,417 in Sherman-Denison, but it is not a personal spending weight.
Merced
98.3
Cost Index
Sherman-Denison
93.8
Cost Index
Salary Equivalents
What a salary in Merced would need to be in Sherman-Denison for the same purchasing power:
| In Merced | In Sherman-Denison | Difference |
|---|---|---|
| $50,000 | $47,708 | $-2,292 |
| $75,000 | $71,563 | $-3,437 |
| $100,000 | $95,417 | $-4,583 |
| $150,000 | $143,125 | $-6,875 |
$ in Merced = in Sherman-Denison
Same BEA Regional Price Parity ratio as the table above (98.3 → 93.8), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Merced and Sherman-Denison share 17 published annual releases from 2008 through 2024. Their overall gap widened, moving from 2.8 to 4.5 RPP points. Merced remained the higher-index metro in the latest release.
Services changed the most within this pair: its gap moved 72.2 points between the first and latest shared releases (2.8 to 75.0 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Merced RPP | Sherman-Denison RPP | Relative Gap |
|---|---|---|---|
| 2008 | 94.3 | 91.4 | 2.8 points Merced higher |
| 2012 | 98.6 | 94.2 | 4.4 points Merced higher |
| 2016 | 95.3 | 95.4 | 0.1 points Sherman-Denison higher |
| 2020 | 98.7 | 92.4 | 6.4 points Merced higher |
| 2024 | 98.3 | 93.8 | 4.5 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.
Frequently Asked Questions
Is Sherman-Denison more expensive than Merced?
Sherman-Denison is 4.6% less expensive than Merced. The overall cost index is 93.8 vs 98.3 (national average = 100).
What salary in Sherman-Denison equals $100K in Merced?
A $100,000 salary in Merced has the same purchasing power as $95,417 in Sherman-Denison. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Merced and Sherman-Denison?
Rents in Merced are indexed at 78.6 while Sherman-Denison is at 89.5 (national average = 100). Sherman-Denison 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.