Berkeley, CA vs Thousand Oaks, CA: Cost of Living

Which city costs less?

Thousand Oaks, CA has a modeled overall cost index 8.9% lower than Berkeley, CA.

Berkeley, CA · modeled 2BR rent: $2,790 / month
Thousand Oaks, CA · modeled 2BR rent: $2,970 / 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 Berkeley, CA and Thousand Oaks, 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 Berkeley, CA

Numbers update automatically as you type

Estimated savings: $378/month in Thousand Oaks, CA

$150,000 in your current city has a modeled equivalent of $145,463 in Thousand Oaks, CA

Regional cost estimates: Berkeley, CA uses Oakland, CA. Thousand Oaks, CA uses Oxnard, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 8.9%

Less expensive

Monthly Impact

$378

Savings

Annual Impact

$4.5K

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.

Berkeley, CA

Population:119K

Cost Index:

160.3

100 = national average

Typical Home:$1.14M

Thousand Oaks, CA

Population:123K

Cost Index:

146.0

100 = national average

Typical Home:$987K

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Berkeley, CA

The Golden State

119K

Population

State Tax

Yes

Located in California, this city has a population of 119K residents.

Thousand Oaks, CA

The Golden State

123K

Population

State Tax

Yes

Located in California, this city has a population of 123K residents.

Cost Breakdown by Category

Estimated monthly spending: Berkeley, CA vs Thousand Oaks, 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	Berkeley, CA	Thousand Oaks, CA	Difference	Change
Housing	$3,689/mo	$3,260/mo	↓ $429less	11.6%
Other	$1,120/mo	$1,215/mo	↑ $94.54more	8.4%
Healthcare	$428/mo	$339/mo	↓ $89.02less	20.8%
All Utilities	$272/mo	$343/mo	↑ $71.14more	26.2%
Groceries	$703/mo	$639/mo	↓ $63.52less	9.0%
Transportation	$1,289/mo	$1,327/mo	↑ $37.73more	2.9%

Housing

↓ 11.6%

Berkeley, CA

$3,689

Thousand Oaks, CA

$3,260

Difference

$429

less

Other

↑ 8.4%

Berkeley, CA

$1,120

Thousand Oaks, CA

$1,215

Difference

$94.54

Healthcare

↓ 20.8%

Berkeley, CA

$428

Thousand Oaks, CA

$339

Difference

$89.02

less

All Utilities

↑ 26.2%

Berkeley, CA

$272

Thousand Oaks, CA

$343

Difference

$71.14

Groceries

↓ 9.0%

Berkeley, CA

$703

Thousand Oaks, CA

$639

Difference

$63.52

less

Transportation

↑ 2.9%

Berkeley, CA

$1,289

Thousand Oaks, CA

$1,327

Difference

$37.73

🏠Rent Comparison

Studio

From$2,050

To$2,200

↑ $150

1 Bed

From$2,285

To$2,480

↑ $195

2 Bed

From$2,790

To$2,970

↑ $180

3 Bed

From$3,565

To$4,030

↑ $465

Berkeley, CAZIP-level data

1BR range: $2,020–$2,580/mo

Thousand Oaks, CAZIP-level data

1BR range: $2,480–$2,480/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 Berkeley, CA

$7,122

Monthly in Thousand Oaks, CA

$378

Difference

Home Values

Berkeley

Thousand Oaks

$1.14M

Median Value

$987K

↓ -2.8%

YoY Change

↑ +0.1%

↓ -0.1%

5-Year Change

↑ +30%

$967K - $1.87M

Price Range

$987K

Homes in Thousand Oaks are 14% less expensive than Berkeley

Calculate payment - Berkeley Calculate payment - Thousand Oaks

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

Berkeley, 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

Thousand Oaks, 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

Berkeley, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Thousand Oaks, 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

Berkeley

Thousand Oaks

49 Good

Air Quality

50 Good

53%

Good Air Days

52.2%

100 Very High

Climate Risk

99 High

🔥🌊🌅

Top Hazards

🔥🌊🫨

▲+1.9°F

2050 Outlook

▲+2.0°F

2 days

Heat Days >95°F

2 days

▲+1.9°F

2050 Outlook

▲+2.0°F

2 days

Heat Days >95°F

2 days

Before moving from Berkeley, CA to Thousand Oaks, CA

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

Compare actual homes. Get current quotes in Thousand Oaks, CA for the same bedroom count and included utilities as your home in Berkeley, 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 Berkeley to Thousand Oaks moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Berkeley, CA vs Thousand Oaks, CA

How do the cost estimates for Berkeley, CA and Thousand Oaks, CA compare?

Thousand Oaks, CA has a modeled overall cost index 8.9% lower than Berkeley, 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 Berkeley, CA, the model estimates $145,463 in Thousand Oaks, 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 Berkeley, CA and Thousand Oaks, CA?

The modeled two-bedroom rents are $2,790/month in Berkeley, CA and $2,970/month in Thousand Oaks, 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.