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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd spend $5.2K/month more in San Diego, CA

$150.0K in your current city equals $212.5K in San Diego, CA

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
69.4%
More expensive
Monthly Impact
$5,206
Extra cost
Annual Impact
$62.5K
Per year

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

Montgomery, AL

Population:201K
Cost Index:
100
100 = national average
Median Home:$104K

San Diego, CA

Population:1387K
Cost Index:
169
(69% above avg)
Median Home:$980K

Montgomery, AL

The Heart of Dixie

201K
Population
State Tax
Yes

Located in Alabama, this city has a population of 201K residents.

San Diego, CA

The Golden State

1.4M
Population
State Tax
Yes
Climate
Semi-arid Mediterranean

Notable Facts

  • Year-round perfect weather
  • Major military presence
  • Biotech hub

Major Industries

MilitaryTechnologyTourismBiotechnology

Cost Breakdown by Category

Annual spending: Montgomery, AL vs San Diego, CA

Housing
183.1%
Montgomery, AL
$1,845
San Diego, CA
$5,223
Difference
$3,378
more
Transportation
30.7%
Montgomery, AL
$1,202
San Diego, CA
$1,571
Difference
$369
more
Other
24.2%
Montgomery, AL
$1,523
San Diego, CA
$1,892
Difference
$368
more
Healthcare
24.1%
Montgomery, AL
$514
San Diego, CA
$638
Difference
$124
more
Groceries
12.5%
Montgomery, AL
$959
San Diego, CA
$1,079
Difference
$120
more
All Utilities
17.2%
Montgomery, AL
$541
San Diego, CA
$634
Difference
$92.89
more

🏠Rent Comparison

Studio
From$830
To$2,565
$1,735
1 Bed
From$840
To$2,755
$1,915
2 Bed
From$980
To$3,360
$2,380
3 Bed
From$1,255
To$4,475
$3,220
Montgomery, ALZIP-level data

1BR range: $750$1,110/mo

San Diego, CAZIP-level data

1BR range: $1,980$3,690/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.

$6,585
Monthly in Montgomery, AL
$11,037
Monthly in San Diego, CA
$4,452
Difference

Home Values

Montgomery
San Diego
$104K
Median Value
$980K
↓ -0.1%
YoY Change
↓ -3%
↑ +27.6%
5-Year Change
↑ +37.4%
$45K - $250K
Price Range
$598K - $2.01M

Homes in San Diego are 843% more expensive than Montgomery

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$3.2K
More taxes
Monthly Difference
$264
Less take-home
Effective Rate Diff
2.1%
Rate difference

Montgomery, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/month
$105.5K

San Diego, 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

Montgomery, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

San Diego, 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

Montgomery
San Diego
42 Good
Air Quality
71 Moderate
69%
Good Air Days
12.8%
92 Moderate
Climate Risk
100 Very High
🌊🌡🌪
Top Hazards
🔥🌊🌡
+2.6°F
2050 Outlook
+2.1°F
62 days
Heat Days >95°F
1 days
+2.6°F
2050 Outlook
+2.1°F
62 days
Heat Days >95°F
1 days

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

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