Shoreline, WA vs. Bellevue, WA: Cost of Living Comparison (2025)
Deciding between Shoreline and Bellevue, Washington? This cost of living comparison breaks down the key expenses to help you choose the right city for your budget and lifestyle in 2025. We’ll cover housing, utilities, groceries, and more to give you a realistic picture of life in these two Seattle-area suburbs.
Housing Costs
Housing is often the biggest factor in cost of living. Here’s how Shoreline and Bellevue stack up for typical options:
| Housing Type | Shoreline | Bellevue |
|---|---|---|
| 2BR Apartment (Monthly Rent) | $2,100 | $2,800 |
| 3BR House (Median Price) | $850,000 | $1,400,000 |
🏆 Winner: Shoreline. Housing costs significantly less in Shoreline, with lower rents and more affordable home prices compared to pricey Bellevue.
Utilities and Energy Costs
Expect monthly utility bills around $180 in Shoreline and $200 in Bellevue for a typical household. Both cities have similar climates, so heating and cooling needs are comparable. Bellevue’s slightly higher cost reflects the larger average home size.
🏆 Winner: Shoreline, but the difference is minor. Utility costs are similar in both cities.
Groceries and Daily Expenses
Grocery costs run about 5% higher in Bellevue than Shoreline, but eating out is where you’ll see a bigger difference. A meal for two averages $80 in Bellevue compared to $60 in Shoreline. Over a month, that really adds up for frequent diners!
🏆 Winner: Shoreline. You’ll save on groceries and dining out compared to Bellevue.
Taxes and Fees
Neither Shoreline nor Bellevue charges an additional city income tax on top of Washington state taxes. However, Bellevue’s property taxes are higher, averaging 1.1% versus 0.9% in Shoreline. HOA fees are also steeper in Bellevue, often topping $400/month.
🏆 Winner: Shoreline. Lower property taxes and HOA fees put more money back in your pocket each month.
Cost Summary
| Category | Shoreline | Bellevue |
|---|---|---|
| Housing (3BR House) | $3,500 | $5,800 |
| Utilities | $180 | $200 |
| Groceries | $800 | $840 |
| Transportation | $120 | $140 |
| Taxes (Property) | $640 | $1,280 |
| Misc Expenses | $500 | $600 |
| Estimated Monthly Total (Pre-Tax) | $5,740 | $8,860 |
Lifestyle Fit
Shoreline offers more affordable housing and a small-town feel while still being close to Seattle. It’s great for families and those who prefer a slower pace. Bellevue has a vibrant downtown with upscale dining and shopping, but housing costs 65% more on average. High-earning tech professionals may prefer Bellevue for its amenities and proximity to major employers.
Frequently Asked Questions
Is Shoreline more affordable than Bellevue?
Yes, Shoreline is significantly more affordable, especially when it comes to housing. Expect to pay 40% less on average for an apartment or house in Shoreline.
Which city has lower rent?
Shoreline has lower rent prices. A typical 2-bedroom apartment runs about $2,100/month compared to $2,800/month in Bellevue.
Where is it cheaper to buy a home?
Shoreline has lower home prices, with the median 3BR house costing $850,000 versus $1.4 million in Bellevue. That’s a savings of over $500,000.
Conclusion
While both Shoreline and Bellevue offer a high quality of life, Shoreline comes out ahead on affordability. Housing costs a whopping 65% more in Bellevue, and you’ll also pay more for dining out, taxes, and HOA fees. Shoreline is ideal for families and those who prioritize housing costs, while high-income earners who want a dynamic urban lifestyle may prefer Bellevue despite the heftier price tag.
For more details, check out these sample monthly budgets for Shoreline or this overview of the cost of living in Shoreline. Considering other cities? Browse our cost of living comparisons for popular destinations across Washington state.