Los Banos, CA vs Murray, UT: Cost of Living

Which city costs less?

Murray, UT has a modeled overall cost index 12.4% lower than Los Banos, CA.

Los Banos, CA · modeled 2BR rent: $1,760 / month
Murray, UT · modeled 2BR rent: $1,675 / 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 Los Banos, CA and Murray, UT 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 Los Banos, CA

Numbers update automatically as you type

Estimated savings: $820/month in Murray, UT

$150,000 in your current city has a modeled equivalent of $140,159 in Murray, UT

Regional cost estimates: Los Banos, CA uses Modesto, CA. Murray, UT uses Boise, ID. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 12.4%

Less expensive

Monthly Impact

$820

Savings

Annual Impact

$9.8K

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.

Los Banos, CA

Population:49K

Cost Index:

104.2

100 = national average

Typical Home:$455K

Murray, UT

Population:50K

Cost Index:

91.3

100 = national average

Typical Home:$510K

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Los Banos, CA

The Golden State

49K

Population

State Tax

Yes

Located in California, this city has a population of 49K residents.

Murray, UT

The Beehive State

50K

Population

State Tax

Yes

Located in Utah, this city has a population of 50K residents.

Cost Breakdown by Category

Estimated monthly spending: Los Banos, CA vs Murray, UT

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	Los Banos, CA	Murray, UT	Difference	Change
Housing	$2,561/mo	$2,228/mo	↓ $332less	13.0%
Transportation	$1,357/mo	$1,098/mo	↓ $260less	19.1%
Groceries	$1,025/mo	$874/mo	↓ $150less	14.7%
Other	$1,586/mo	$1,470/mo	↓ $116less	7.3%
Healthcare	$472/mo	$575/mo	↑ $103more	21.8%
All Utilities	$499/mo	$434/mo	↓ $64.50less	12.9%

Housing

↓ 13.0%

Los Banos, CA

$2,561

Murray, UT

$2,228

Difference

$332

less

Transportation

↓ 19.1%

Los Banos, CA

$1,357

Murray, UT

$1,098

Difference

$260

less

Groceries

↓ 14.7%

Los Banos, CA

$1,025

Murray, UT

$874

Difference

$150

less

Other

↓ 7.3%

Los Banos, CA

$1,586

Murray, UT

$1,470

Difference

$116

less

Healthcare

↑ 21.8%

Los Banos, CA

$472

Murray, UT

$575

Difference

$103

All Utilities

↓ 12.9%

Los Banos, CA

$499

Murray, UT

$434

Difference

$64.50

less

🏠Rent Comparison

Studio

From$1,310

To$1,205

↓ $105

1 Bed

From$1,420

To$1,395

↓ $25.00

2 Bed

From$1,760

To$1,675

↓ $85.00

3 Bed

From$2,420

To$2,235

↓ $185

Los Banos, CAZIP-level data

1BR range: $1,420–$1,420/mo

Murray, UTZIP-level data

1BR range: $1,390–$1,400/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 Los Banos, CA

$6,680

Monthly in Murray, UT

$820

Difference

Home Values

Los Banos

Murray

$455K

Median Value

$510K

↓ -3.2%

YoY Change

↑ +1.8%

↑ +22.3%

5-Year Change

↑ +32.2%

$455K

Price Range

$493K - $527K

Homes in Murray are 12% more expensive than Los Banos

Calculate payment - Los Banos Calculate payment - Murray

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.4K

Per year

Monthly Difference

$279

More take-home

Effective Rate Diff

2.2%

Rate difference

Los Banos, 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

Murray, UT

Federal Income Tax

Effective: 18.9%

$25.5K

Utah State Tax

Effective: 4.9%

$7.3K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.5%

$44.3K

Take-Home Pay

$8,809/month

$105.7K

Additional Tax Information

Los Banos, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Murray, UT Tax Rates

Sales Tax:7.4%

Property Tax:0.6%

💡 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

Los Banos

Murray

53 Moderate

Air Quality

44 Good

45.4%

Good Air Days

62.8%

97 High

Climate Risk

88 Moderate

🌊☀🫨

Top Hazards

🔥💨

▲+2.4°F

2050 Outlook

▲+3.3°F

67 days

Heat Days >95°F

49 days

▲+2.4°F

2050 Outlook

▲+3.3°F

67 days

Heat Days >95°F

49 days

Before moving from Los Banos, CA to Murray, UT

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

Compare actual homes. Get current quotes in Murray, UT for the same bedroom count and included utilities as your home in Los Banos, 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 Los Banos to Murray moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Los Banos, CA vs Murray, UT

How do the cost estimates for Los Banos, CA and Murray, UT compare?

Murray, UT has a modeled overall cost index 12.4% lower than Los Banos, 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 Los Banos, CA, the model estimates $140,159 in Murray, UT. 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 Los Banos, CA and Murray, UT?

The modeled two-bedroom rents are $1,760/month in Los Banos, CA and $1,675/month in Murray, UT. 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.

💰 See how taxes change too — compare take-home pay between California and Utah on TaxTakeHome.com