Seattle vs Tacoma

Category-by-Category Breakdown

Index values shown. National average = 100. Lower is cheaper.

💰 Salary Equivalence

To maintain the same standard of living:

See exact take-home pay: Washington salaries · Washington salaries

Living in Seattle vs Tacoma

Housing is typically the biggest factor in any cost-of-living comparison. Seattle has a housing index of 224 while Tacoma sits at 140 (national average = 100). The median home in Seattle costs $750,000 compared to $400,000 in Tacoma, a difference of $350,000. Monthly rent follows a similar pattern: $2,300 in Seattle versus $1,600 in Tacoma.

Groceries and everyday expenses show a narrower gap: Seattle scores 109 while Tacoma scores 105.

Healthcare costs in Seattle (109) are higher than Tacoma (106).

Median household income in Seattle is $97,185 compared to $58,974 in Tacoma. When adjusted for cost of living, income goes further in Tacoma.

Relocating: Seattle vs Tacoma

If you are considering a move between Seattle (index: 152) and Tacoma (index: 117), the 23% cost difference has real implications for your budget. Tacoma is the more affordable option, but the right choice depends on your income, career opportunities, and lifestyle priorities.

Housing budget reality: Using the 28% rule (spending no more than 28% of gross income on housing), the median household in Seattle can afford $2,268/month, while the median household in Tacoma can afford $1,376/month. With median homes at $750,000 in Seattle versus $400,000 in Tacoma, the higher-cost city presents significant affordability challenges.

Renting vs buying: At $2,300/month in Seattle and $1,600/month in Tacoma, renters save significantly in Tacoma. The rent-to-own ratio in each city determines whether renting or buying offers better value for your situation.

Income adjustment: A $75,000 salary goes significantly further in Tacoma. Before accepting a job in either city, use the salary equivalence data above to understand what you would need to earn to maintain your current standard of living.

Reading These Numbers: Seattle (152) vs Tacoma (117)

The cost of living index uses 100 as the national average. Seattle at 152 is 52% above the US average, while Tacoma at 117 is 17% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.

Seattle costs meaningfully more than Tacoma, with a 35-point composite gap that translates to real differences in rent, groceries, and daily expenses. The biggest category divergence is housing, where Seattle scores 224 and Tacoma scores 140. That 84-point gap is the primary driver of the overall cost difference between these two metros. Housing, the largest line item for most households, favors Tacoma with indices of 140 versus 224. Median home prices of $750,000 in Seattle and $400,000 in Tacoma underscore this gap.

For renters: With median rents of $2,300/month in Seattle and $1,600/month in Tacoma, the annual rent difference is approximately $8,400. Over a 5-year period, that compounds to $42,000 in savings by choosing the more affordable city.

For homebuyers: The $350,000 difference in median home prices between Seattle and Tacoma translates to roughly $21,000 per month in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.

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