Is Miami, FL cheaper than Oakland, CA?

Based on cost of living data, Miami, FL is 38.8% cheaper than Oakland, CA. This translates to saving $2910 per month.

What salary do I need in Miami, FL to live like I do in Oakland, CA?

If you earn $150,000 in Oakland, CA, you'd need approximately $115,074.627 in Miami, FL to maintain the same standard of living.

How does housing cost compare between Oakland, CA and Miami, FL?

Housing in Miami, FL is 61.8% cheaper than in Oakland, CA. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $2,420/month in Oakland, CA.

How much can I save per month by moving from Oakland, CA to Miami, FL?

Moving from Oakland, CA to Miami, FL could save you approximately $2910 per month, or $34925 per year, based on a $150,000 salary.

Oakland, CA vs Miami, FL: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Oakland, CA

Numbers update automatically as you type

You'd save $2.9K/month moving to Miami, FL

$150.0K in your current city equals $115.1K in Miami, FL

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 38.8%

Less expensive

Monthly Impact

$2,910

Savings

Annual Impact

$34.9K

Per year

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

Oakland, CA

Population:441K

Cost Index:

100

100 = national average

Median Home:$575K

Miami, FL

Population:442K

Cost Index:

(39% below avg)

Median Home:$510K

Oakland, CA

The Golden State

441K

Population

State Tax

Yes

Located in California, this city has a population of 441K residents.

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: Oakland, CA vs Miami, FL

Category	Oakland, CA	Miami, FL	Difference	Change
Housing	$9,667/mo	$3,690/mo	↓ $5,977less	61.8%
Other	$1,825/mo	$2,093/mo	↑ $268more	14.7%
Healthcare	$706/mo	$589/mo	↓ $118less	16.7%
All Utilities	$464/mo	$519/mo	↑ $54.64more	11.8%
Transportation	$1,407/mo	$1,462/mo	↑ $54.64more	3.9%
Groceries	$1,129/mo	$1,079/mo	↓ $49.96less	4.4%

Housing

↓ 61.8%

Oakland, CA

$9,667

Miami, FL

$3,690

Difference

$5,977

less

Other

↑ 14.7%

Oakland, CA

$1,825

Miami, FL

$2,093

Difference

$268

Healthcare

↓ 16.7%

Oakland, CA

$706

Miami, FL

$589

Difference

$118

less

All Utilities

↑ 11.8%

Oakland, CA

$464

Miami, FL

$519

Difference

$54.64

Transportation

↑ 3.9%

Oakland, CA

$1,407

Miami, FL

$1,462

Difference

$54.64

Groceries

↓ 4.4%

Oakland, CA

$1,129

Miami, FL

$1,079

Difference

$49.96

less

🏠Rent Comparison

Studio

From$1,770

To$1,995

↑ $225

1 Bed

From$1,990

To$2,180

↑ $190

2 Bed

From$2,420

To$2,660

↑ $240

3 Bed

From$3,090

To$3,415

↑ $325

Oakland, CAZIP-level data

1BR range: $1,990–$2,510/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/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.

$15,199

Monthly in Oakland, CA

$9,431

Monthly in Miami, FL

$5,768

Difference

Home Values

Oakland

Miami

$575K

Median Value

$510K

↓ -9.5%

YoY Change

↓ -3.6%

↓ -12.6%

5-Year Change

↑ +49.4%

$433K - $1.10M

Price Range

$278K - $1.53M

Homes in Miami are 11% less expensive than Oakland

Calculate payment - Oakland Calculate payment - Miami

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

Oakland, 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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Oakland, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Miami, FL Tax Rates

Sales Tax:7.2%

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.