Is Moreno Valley, CA cheaper than Chula Vista, CA?

Based on cost of living data, Moreno Valley, CA is 18.8% cheaper than Chula Vista, CA. This translates to saving $1406 per month.

What salary do I need in Moreno Valley, CA to live like I do in Chula Vista, CA?

If you earn $150,000 in Chula Vista, CA, you'd need approximately $133,125 in Moreno Valley, CA to maintain the same standard of living.

How does housing cost compare between Chula Vista, CA and Moreno Valley, CA?

Housing in Moreno Valley, CA is 32.8% cheaper than in Chula Vista, CA. For a two-bedroom apartment, rent is $2,560/month in Moreno Valley, CA compared to $4,100/month in Chula Vista, CA.

How much can I save per month by moving from Chula Vista, CA to Moreno Valley, CA?

Moving from Chula Vista, CA to Moreno Valley, CA could save you approximately $1406 per month, or $16875 per year, based on a $150,000 salary.

Chula Vista, CA vs Moreno Valley, CA: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Chula Vista, CA

Numbers update automatically as you type

You'd save $1.4K/month moving to Moreno Valley, CA

$150.0K in your current city equals $133.1K in Moreno Valley, CA

Rent data from HUD ZIP-level estimates · COL index from San Diego-Chula Vista-Carlsbad, CA area

Overall Cost

↓ 18.8%

Less expensive

Monthly Impact

$1,406

Savings

Annual Impact

$16.9K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Chula Vista, CA

Population:275K

Cost Index:

100

100 = national average

Median Home:$840K

Moreno Valley, CA

Population:212K

Cost Index:

(19% below avg)

Median Home:$560K

Chula Vista, CA

The Golden State

275K

Population

State Tax

Yes

Located in California, this city has a population of 275K residents.

Moreno Valley, CA

The Golden State

212K

Population

State Tax

Yes

Located in California, this city has a population of 212K residents.

Cost Breakdown by Category

Annual spending: Chula Vista, CA vs Moreno Valley, CA

Category	Chula Vista, CA	Moreno Valley, CA	Difference	Change
Housing	$5,223/mo	$3,508/mo	↓ $1,715less	32.8%
Transportation	$1,571/mo	$2,158/mo	↑ $587more	37.4%
Other	$1,892/mo	$1,724/mo	↓ $167less	8.8%
Healthcare	$638/mo	$551/mo	↓ $86.74less	13.6%
All Utilities	$634/mo	$557/mo	↓ $76.50less	12.1%
Groceries	$1,079/mo	$1,039/mo	↓ $39.97less	3.7%

Housing

↓ 32.8%

Chula Vista, CA

$5,223

Moreno Valley, CA

$3,508

Difference

$1,715

less

Transportation

↑ 37.4%

Chula Vista, CA

$1,571

Moreno Valley, CA

$2,158

Difference

$587

Other

↓ 8.8%

Chula Vista, CA

$1,892

Moreno Valley, CA

$1,724

Difference

$167

less

Healthcare

↓ 13.6%

Chula Vista, CA

$638

Moreno Valley, CA

$551

Difference

$86.74

less

All Utilities

↓ 12.1%

Chula Vista, CA

$634

Moreno Valley, CA

$557

Difference

$76.50

less

Groceries

↓ 3.7%

Chula Vista, CA

$1,079

Moreno Valley, CA

$1,039

Difference

$39.97

less

🏠Rent Comparison

Studio

From$3,130

To$1,970

↓ $1,160

1 Bed

From$3,360

To$2,070

↓ $1,290

2 Bed

From$4,100

To$2,560

↓ $1,540

3 Bed

From$5,460

To$3,390

↓ $2,070

Chula Vista, CAZIP-level data

1BR range: $2,280–$3,690/mo

Moreno Valley, CAZIP-level data

1BR range: $1,970–$2,360/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$11,037

Monthly in Chula Vista, CA

$9,539

Monthly in Moreno Valley, CA

$1,498

Difference

Home Values

Chula Vista

Moreno Valley

$840K

Median Value

$560K

↓ -2.4%

YoY Change

↓ -2.6%

↑ +35.6%

5-Year Change

↑ +38.4%

$748K - $1.14M

Price Range

$510K - $606K

Homes in Moreno Valley are 33% less expensive than Chula Vista

Calculate payment - Chula Vista Calculate payment - Moreno Valley

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

Chula Vista, 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

Moreno Valley, 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

Chula Vista, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Moreno Valley, 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.