Belmont, CA vs Hermosa Beach, CA: Cost of Living

Which city costs less?

Hermosa Beach, CA has a modeled overall cost index 1.1% lower than Belmont, CA.

Belmont, CA · modeled 2BR rent: $3,950 / month
Hermosa Beach, CA · modeled 2BR rent: $3,810 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Belmont, CA and Hermosa Beach, CA using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Belmont, CA

Numbers update automatically as you type

Estimated savings: $128/month in Hermosa Beach, CA

$150,000 in your current city has a modeled equivalent of $148,467 in Hermosa Beach, CA

Regional cost estimates: Belmont, CA uses Oakland, CA. Hermosa Beach, CA uses Los Angeles, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 1.1%

Less expensive

Monthly Impact

$128

Savings

Annual Impact

$1.5K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Belmont, CA

Population:27K

Cost Index:

154.9

100 = national average

Typical Home:$2.20M

Hermosa Beach, CA

Population:19K

Cost Index:

153.2

100 = national average

Typical Home:$2.15M

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Belmont, CA

The Golden State

27K

Population

State Tax

Yes

Located in California, this city has a population of 27K residents.

Hermosa Beach, CA

The Golden State

19K

Population

State Tax

Yes

Located in California, this city has a population of 19K residents.

Cost Breakdown by Category

Estimated monthly spending: Belmont, CA vs Hermosa Beach, CA

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Belmont, CA	Hermosa Beach, CA	Difference	Change
Housing	$3,677/mo	$3,909/mo	↑ $233more	6.3%
Other	$1,116/mo	$970/mo	↓ $146less	13.1%
Healthcare	$434/mo	$330/mo	↓ $104less	23.9%
Groceries	$712/mo	$620/mo	↓ $92.10less	12.9%
Transportation	$1,285/mo	$1,210/mo	↓ $75.38less	5.9%
All Utilities	$275/mo	$332/mo	↑ $56.96more	20.7%

Housing

↑ 6.3%

Belmont, CA

$3,677

Hermosa Beach, CA

$3,909

Difference

$233

Other

↓ 13.1%

Belmont, CA

$1,116

Hermosa Beach, CA

$970

Difference

$146

less

Healthcare

↓ 23.9%

Belmont, CA

$434

Hermosa Beach, CA

$330

Difference

$104

less

Groceries

↓ 12.9%

Belmont, CA

$712

Hermosa Beach, CA

$620

Difference

$92.10

less

Transportation

↓ 5.9%

Belmont, CA

$1,285

Hermosa Beach, CA

$1,210

Difference

$75.38

less

All Utilities

↑ 20.7%

Belmont, CA

$275

Hermosa Beach, CA

$332

Difference

$56.96

🏠Rent Comparison

Studio

From$2,720

To$2,730

↑ $10.00

1 Bed

From$3,260

To$3,050

↓ $210

2 Bed

From$3,950

To$3,810

↓ $140

3 Bed

From$5,050

To$4,830

↓ $220

Belmont, CAZIP-level data

1BR range: $3,260–$3,260/mo

Hermosa Beach, CAZIP-level data

1BR range: $3,050–$3,050/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Belmont, CA

$7,372

Monthly in Hermosa Beach, CA

$128

Difference

Home Values

Belmont

Hermosa Beach

$2.20M

Median Value

$2.15M

↑ +1.9%

YoY Change

↑ +2.1%

↑ +26.3%

5-Year Change

↑ +22.6%

Homes in Hermosa Beach are 3% less expensive than Belmont

Calculate payment - Belmont Calculate payment - Hermosa Beach

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Belmont, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Hermosa Beach, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Additional Tax Information

Belmont, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Hermosa Beach, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Belmont

Hermosa Beach

49 Good

Air Quality

80 Moderate

53%

Good Air Days

10.4%

100 Very High

Climate Risk

100 Very High

🔥🌊🌅

Top Hazards

🔥🌊🌅

▲+1.9°F

2050 Outlook

▲+2.6°F

2 days

Heat Days >95°F

17 days

▲+1.9°F

2050 Outlook

▲+2.6°F

2 days

Heat Days >95°F

17 days

Before moving from Belmont, CA to Hermosa Beach, CA

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Hermosa Beach, CA for the same bedroom count and included utilities as your home in Belmont, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Belmont to Hermosa Beach moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Hermosa Beach, CA by cost, housing, population and region.

Frequently Asked Questions: Belmont, CA vs Hermosa Beach, CA

How do the cost estimates for Belmont, CA and Hermosa Beach, CA compare?

Hermosa Beach, CA has a modeled overall cost index 1.1% lower than Belmont, CA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Belmont, CA, the model estimates $148,467 in Hermosa Beach, CA. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Belmont, CA and Hermosa Beach, CA?

The modeled two-bedroom rents are $3,950/month in Belmont, CA and $3,810/month in Hermosa Beach, CA. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.