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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $311/month more in Ontario, CA

$150.0K in your current city equals $153.7K in Ontario, CA

Rent data from HUD ZIP-level estimates · COL index from Sacramento-Roseville-Folsom, CA area
Overall Cost
4.1%
More expensive
Monthly Impact
$311
Extra cost
Annual Impact
$3.7K
Per year

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

Elk Grove, CA

Population:178K
Cost Index:
100
100 = national average
Median Home:$596K

Ontario, CA

Population:182K
Cost Index:
104
(4% above avg)
Median Home:$672K

Elk Grove, CA

The Golden State

178K
Population
State Tax
Yes

Located in California, this city has a population of 178K residents.

Ontario, CA

The Golden State

182K
Population
State Tax
Yes

Located in California, this city has a population of 182K residents.

Cost Breakdown by Category

Annual spending: Elk Grove, CA vs Ontario, CA

Transportation
55.6%
Elk Grove, CA
$1,387
Ontario, CA
$2,158
Difference
$771
more
Housing
14.6%
Elk Grove, CA
$3,221
Ontario, CA
$3,690
Difference
$470
more
Healthcare
9.9%
Elk Grove, CA
$612
Ontario, CA
$551
Difference
$60.85
less
Other
2.3%
Elk Grove, CA
$1,766
Ontario, CA
$1,724
Difference
$41.34
less
All Utilities
6.4%
Elk Grove, CA
$524
Ontario, CA
$557
Difference
$33.57
more
Groceries
0.7%
Elk Grove, CA
$1,047
Ontario, CA
$1,039
Difference
$7.50
less

🏠Rent Comparison

Studio
From$1,602
To$1,980
$378
1 Bed
From$1,677
To$2,080
$403
2 Bed
From$2,063
To$2,580
$517
3 Bed
From$2,743
To$3,410
$667
Elk Grove, CAZIP-level data

1BR range: $2,000$2,040/mo

Ontario, CAZIP-level data

1BR range: $1,980$2,240/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.

$8,556
Monthly in Elk Grove, CA
$9,721
Monthly in Ontario, CA
$1,164
Difference

Home Values

Elk Grove
Ontario
$596K
Median Value
$672K
↓ -3.6%
YoY Change
↓ -1.9%
↑ +24.6%
5-Year Change
↑ +34.4%
$566K - $627K
Price Range
$623K - $683K

Homes in Ontario are 13% more expensive than Elk Grove

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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Elk Grove, 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

Ontario, 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

Elk Grove, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Ontario, 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

Elk Grove
Ontario
51 Moderate
Air Quality
87 Moderate
49.7%
Good Air Days
10.9%
98 High
Climate Risk
100 Very High
🌊🫨
Top Hazards
🔥🌊🌡
+2.4°F
2050 Outlook
+2.8°F
69 days
Heat Days >95°F
82 days
+2.4°F
2050 Outlook
+2.8°F
69 days
Heat Days >95°F
82 days

Similar cost to Ontario, CA

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