Milliken, CO vs Live Oak, CA: Cost of Living

Which city costs less?

Live Oak, CA has a modeled overall cost index 83.4% higher than Milliken, CO.

Milliken, CO · modeled 2BR rent: $1,720 / month
Live Oak, CA · modeled 2BR rent: $1,540 / 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 Milliken, CO and Live Oak, 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 Milliken, CO

Numbers update automatically as you type

Estimated extra cost: $5,272/month in Live Oak, CA

$150,000 in your current city has a modeled equivalent of $213,260 in Live Oak, CA

Regional cost estimates: Milliken, CO uses Denver, CO. Live Oak, CA uses San Jose, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 83.4%

More expensive

Monthly Impact

$5,272

Extra cost

Annual Impact

$63.3K

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.

Milliken, CO

Population:9K

Cost Index:

98.5

100 = national average

Typical Home:$445K

Live Oak, CA

Population:9K

Cost Index:

180.6

100 = national average

Typical Home:$383K

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Milliken, CO

The Centennial State

Population

State Tax

Yes

Located in Colorado, this city has a population of 9K residents.

Live Oak, CA

The Golden State

Population

State Tax

Yes

Located in California, this city has a population of 9K residents.

Cost Breakdown by Category

Estimated monthly spending: Milliken, CO vs Live Oak, 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	Milliken, CO	Live Oak, CA	Difference	Change
Housing	$2,591/mo	$7,739/mo	↑ $5,148more	198.7%
Groceries	$964/mo	$1,060/mo	↑ $95.62more	9.9%
Healthcare	$592/mo	$663/mo	↑ $70.90more	12.0%
Other	$1,572/mo	$1,623/mo	↑ $50.71more	3.2%
All Utilities	$486/mo	$436/mo	↓ $50.34less	10.4%
Transportation	$1,295/mo	$1,251/mo	↓ $43.63less	3.4%

Housing

↑ 198.7%

Milliken, CO

$2,591

Live Oak, CA

$7,739

Difference

$5,148

Groceries

↑ 9.9%

Milliken, CO

$964

Live Oak, CA

$1,060

Difference

$95.62

Healthcare

↑ 12.0%

Milliken, CO

$592

Live Oak, CA

$663

Difference

$70.90

Other

↑ 3.2%

Milliken, CO

$1,572

Live Oak, CA

$1,623

Difference

$50.71

All Utilities

↓ 10.4%

Milliken, CO

$486

Live Oak, CA

$436

Difference

$50.34

less

Transportation

↓ 3.4%

Milliken, CO

$1,295

Live Oak, CA

$1,251

Difference

$43.63

less

🏠Rent Comparison

Studio

From$1,310

To$1,160

↓ $150

1 Bed

From$1,380

To$1,260

↓ $120

2 Bed

From$1,720

To$1,540

↓ $180

3 Bed

From$2,380

To$2,140

↓ $240

Milliken, COZIP-level data

1BR range: $1,380–$1,380/mo

Live Oak, CAZIP-level data

1BR range: $1,260–$1,260/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 Milliken, CO

$12,772

Monthly in Live Oak, CA

$5,272

Difference

Home Values

Milliken

Live Oak

$445K

Median Value

$383K

↓ -1.6%

YoY Change

↓ -0.8%

↑ +24.3%

5-Year Change

↑ +24.2%

Homes in Live Oak are 14% less expensive than Milliken

Calculate payment - Milliken Calculate payment - Live Oak

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $4.0K

More taxes

Monthly Difference

$336

Less take-home

Effective Rate Diff

2.7%

Rate difference

Milliken, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

Live Oak, 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

Milliken, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

Live Oak, 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

Milliken

Live Oak

55 Moderate

Air Quality

47 Good

35.2%

Good Air Days

55.4%

95 High

Climate Risk

100 Very High

🌊🌪💨

Top Hazards

🌊🌅🌡

▲+3.3°F

2050 Outlook

▲+2.0°F

28 days

Heat Days >95°F

11 days

▲+3.3°F

2050 Outlook

▲+2.0°F

28 days

Heat Days >95°F

11 days

Before moving from Milliken, CO to Live Oak, CA

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

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

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

Frequently Asked Questions: Milliken, CO vs Live Oak, CA

How do the cost estimates for Milliken, CO and Live Oak, CA compare?

Live Oak, CA has a modeled overall cost index 83.4% higher than Milliken, CO. 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 Milliken, CO, the model estimates $213,260 in Live Oak, 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 Milliken, CO and Live Oak, CA?

The modeled two-bedroom rents are $1,720/month in Milliken, CO and $1,540/month in Live Oak, 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.

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