Camarillo, CA vs Upland, CA: Cost of Living

Which city costs less?

Upland, CA has a modeled overall cost index 18.3% lower than Camarillo, CA.

Camarillo, CA · modeled 2BR rent: $3,165 / month
Upland, CA · modeled 2BR rent: $3,020 / 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 Camarillo, CA and Upland, 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 Camarillo, CA

Numbers update automatically as you type

Estimated savings: $1,140/month in Upland, CA

$150,000 in your current city has a modeled equivalent of $136,319 in Upland, CA

Regional cost estimates: Camarillo, CA uses Oxnard, CA. Upland, CA uses Fontana, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 18.3%

Less expensive

Monthly Impact

$1,140

Savings

Annual Impact

$13.7K

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.

Camarillo, CA

Population:70K

Cost Index:

142.6

100 = national average

Typical Home:$900K

Upland, CA

Population:79K

Cost Index:

116.5

100 = national average

Typical Home:$832K

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Camarillo, CA

The Golden State

70K

Population

State Tax

Yes

Located in California, this city has a population of 70K residents.

Upland, CA

The Golden State

79K

Population

State Tax

Yes

Located in California, this city has a population of 79K residents.

Cost Breakdown by Category

Estimated monthly spending: Camarillo, CA vs Upland, 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	Camarillo, CA	Upland, CA	Difference	Change
Housing	$3,230/mo	$2,253/mo	↓ $977less	30.2%
Other	$1,337/mo	$1,170/mo	↓ $168less	12.5%
Transportation	$1,461/mo	$1,464/mo	↑ $3.03more	0.2%
Groceries	$712/mo	$713/mo	↑ $0.74more	0.1%
All Utilities	$382/mo	$382/mo	↑ $0.40more	0.1%
Healthcare	$378/mo	$378/mo	↑ $0.39more	0.1%

Housing

↓ 30.2%

Camarillo, CA

$3,230

Upland, CA

$2,253

Difference

$977

less

Other

↓ 12.5%

Camarillo, CA

$1,337

Upland, CA

$1,170

Difference

$168

less

Transportation

↑ 0.2%

Camarillo, CA

$1,461

Upland, CA

$1,464

Difference

$3.03

Groceries

↑ 0.1%

Camarillo, CA

$712

Upland, CA

$713

Difference

$0.74

All Utilities

↑ 0.1%

Camarillo, CA

$382

Upland, CA

$382

Difference

$0.40

Healthcare

↑ 0.1%

Camarillo, CA

$378

Upland, CA

$378

Difference

$0.39

🏠Rent Comparison

Studio

From$2,350

To$2,325

↓ $25.00

1 Bed

From$2,645

To$2,435

↓ $210

2 Bed

From$3,165

To$3,020

↓ $145

3 Bed

From$4,290

To$4,000

↓ $290

Camarillo, CAZIP-level data

1BR range: $2,400–$2,890/mo

Upland, CAZIP-level data

1BR range: $2,210–$2,660/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 Camarillo, CA

$6,360

Monthly in Upland, CA

$1,140

Difference

Home Values

Camarillo

Upland

$900K

Median Value

$832K

↓ -0.4%

YoY Change

↓ -0.6%

↑ +27.1%

5-Year Change

↑ +33.8%

$898K - $903K

Price Range

$708K - $957K

Homes in Upland are 8% less expensive than Camarillo

Calculate payment - Camarillo Calculate payment - Upland

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

Camarillo, 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

Upland, 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

Camarillo, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Upland, 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

Camarillo

Upland

50 Good

Air Quality

87 Moderate

52.2%

Good Air Days

10.9%

99 High

Climate Risk

100 Very High

🔥🌊🫨

Top Hazards

🔥🌊🌡

▲+2.0°F

2050 Outlook

▲+2.8°F

2 days

Heat Days >95°F

82 days

▲+2.0°F

2050 Outlook

▲+2.8°F

2 days

Heat Days >95°F

82 days

Before moving from Camarillo, CA to Upland, CA

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

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

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

Frequently Asked Questions: Camarillo, CA vs Upland, CA

How do the cost estimates for Camarillo, CA and Upland, CA compare?

Upland, CA has a modeled overall cost index 18.3% lower than Camarillo, 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 Camarillo, CA, the model estimates $136,319 in Upland, 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 Camarillo, CA and Upland, CA?

The modeled two-bedroom rents are $3,165/month in Camarillo, CA and $3,020/month in Upland, 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.