Montclair, CA vs Lathrop, CA: Cost of Living

Which city costs less?

Lathrop, CA has a modeled overall cost index 4.1% lower than Montclair, CA.

Montclair, CA · modeled 2BR rent: $2,260 / month
Lathrop, CA · modeled 2BR rent: $2,360 / 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 Montclair, CA and Lathrop, 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 Montclair, CA

Numbers update automatically as you type

Estimated savings: $717/month in Lathrop, CA

$150,000 in your current city has a modeled equivalent of $141,397 in Lathrop, CA

Regional cost estimates: Montclair, CA uses Fontana, CA. Lathrop, CA uses Stockton, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 4.1%

Less expensive

Monthly Impact

$717

Savings

Annual Impact

$8.6K

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.

Montclair, CA

Population:38K

Cost Index:

114.6

100 = national average

Typical Home:$649K

Lathrop, CA

Population:40K

Cost Index:

109.9

100 = national average

Typical Home:$637K

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Montclair, CA

The Golden State

38K

Population

State Tax

Yes

Located in California, this city has a population of 38K residents.

Lathrop, CA

The Golden State

40K

Population

State Tax

Yes

Located in California, this city has a population of 40K residents.

Cost Breakdown by Category

Estimated monthly spending: Montclair, CA vs Lathrop, 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	Montclair, CA	Lathrop, CA	Difference	Change
Transportation	$1,723/mo	$1,169/mo	↓ $554less	32.2%
Housing	$2,652/mo	$2,502/mo	↓ $150less	5.7%
Healthcare	$449/mo	$407/mo	↓ $41.90less	9.3%
Groceries	$846/mo	$883/mo	↑ $37.26more	4.4%
All Utilities	$454/mo	$430/mo	↓ $23.88less	5.3%
Other	$1,377/mo	$1,393/mo	↑ $16.00more	1.2%

Transportation

↓ 32.2%

Montclair, CA

$1,723

Lathrop, CA

$1,169

Difference

$554

less

Housing

↓ 5.7%

Montclair, CA

$2,652

Lathrop, CA

$2,502

Difference

$150

less

Healthcare

↓ 9.3%

Montclair, CA

$449

Lathrop, CA

$407

Difference

$41.90

less

Groceries

↑ 4.4%

Montclair, CA

$846

Lathrop, CA

$883

Difference

$37.26

All Utilities

↓ 5.3%

Montclair, CA

$454

Lathrop, CA

$430

Difference

$23.88

less

Other

↑ 1.2%

Montclair, CA

$1,377

Lathrop, CA

$1,393

Difference

$16.00

🏠Rent Comparison

Studio

From$1,740

To$1,740

→ $0

1 Bed

From$1,820

To$1,890

↑ $70.00

2 Bed

From$2,260

To$2,360

↑ $100

3 Bed

From$2,990

To$3,280

↑ $290

Montclair, CAZIP-level data

1BR range: $1,820–$1,820/mo

Lathrop, CAZIP-level data

1BR range: $1,890–$1,890/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 Montclair, CA

$6,783

Monthly in Lathrop, CA

$717

Difference

Home Values

Montclair

Lathrop

$649K

Median Value

$637K

↓ -2.9%

YoY Change

↓ -4.6%

↑ +31.7%

5-Year Change

↑ +25.9%

Homes in Lathrop are 2% less expensive than Montclair

Calculate payment - Montclair Calculate payment - Lathrop

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

Montclair, 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

Lathrop, 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

Montclair, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Lathrop, 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

Montclair

Lathrop

87 Moderate

Air Quality

51 Moderate

10.9%

Good Air Days

48.6%

100 Very High

Climate Risk

99 High

🔥🌊🌡

Top Hazards

🌊🌡☀

▲+2.8°F

2050 Outlook

▲+2.4°F

82 days

Heat Days >95°F

63 days

▲+2.8°F

2050 Outlook

▲+2.4°F

82 days

Heat Days >95°F

63 days

Before moving from Montclair, CA to Lathrop, CA

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

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

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

Frequently Asked Questions: Montclair, CA vs Lathrop, CA

How do the cost estimates for Montclair, CA and Lathrop, CA compare?

Lathrop, CA has a modeled overall cost index 4.1% lower than Montclair, 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 Montclair, CA, the model estimates $141,397 in Lathrop, 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 Montclair, CA and Lathrop, CA?

The modeled two-bedroom rents are $2,260/month in Montclair, CA and $2,360/month in Lathrop, 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.