Is Moreno Valley, CA cheaper than Oakland, CA?

Based on cost of living data, Moreno Valley, CA is 41.8% cheaper than Oakland, CA. This translates to saving $3134 per month.

What salary do I need in Moreno Valley, CA to live like I do in Oakland, CA?

If you earn $150,000 in Oakland, CA, you'd need approximately $112,388.06 in Moreno Valley, CA to maintain the same standard of living.

How does housing cost compare between Oakland, CA and Moreno Valley, CA?

Housing in Moreno Valley, CA is 63.7% cheaper than in Oakland, CA. For a two-bedroom apartment, rent is $2,560/month in Moreno Valley, CA compared to $2,420/month in Oakland, CA.

How much can I save per month by moving from Oakland, CA to Moreno Valley, CA?

Moving from Oakland, CA to Moreno Valley, CA could save you approximately $3134 per month, or $37612 per year, based on a $150,000 salary.

Oakland, CA vs Moreno Valley, CA: Cost of Living Comparison 2026

Tap to swap

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 $3.1K/month moving to Moreno Valley, CA

$150.0K in your current city equals $112.4K in Moreno Valley, CA

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

Overall Cost

↓ 41.8%

Less expensive

Monthly Impact

$3,134

Savings

Annual Impact

$37.6K

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

Moreno Valley, CA

Population:212K

Cost Index:

(42% below avg)

Median Home:$560K

Oakland, CA

The Golden State

441K

Population

State Tax

Yes

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

Moreno Valley, CA

The Golden State

212K

Population

State Tax

Yes

Located in California, this city has a population of 212K residents.

Cost Breakdown by Category

Annual spending: Oakland, CA vs Moreno Valley, CA

Category	Oakland, CA	Moreno Valley, CA	Difference	Change
Housing	$9,667/mo	$3,508/mo	↓ $6,159less	63.7%
Transportation	$1,407/mo	$2,158/mo	↑ $751more	53.4%
Healthcare	$706/mo	$551/mo	↓ $155less	21.9%
Other	$1,825/mo	$1,724/mo	↓ $100less	5.5%
All Utilities	$464/mo	$557/mo	↑ $92.89more	20.0%
Groceries	$1,129/mo	$1,039/mo	↓ $89.93less	8.0%

Housing

↓ 63.7%

Oakland, CA

$9,667

Moreno Valley, CA

$3,508

Difference

$6,159

less

Transportation

↑ 53.4%

Oakland, CA

$1,407

Moreno Valley, CA

$2,158

Difference

$751

Healthcare

↓ 21.9%

Oakland, CA

$706

Moreno Valley, CA

$551

Difference

$155

less

Other

↓ 5.5%

Oakland, CA

$1,825

Moreno Valley, CA

$1,724

Difference

$100

less

All Utilities

↑ 20.0%

Oakland, CA

$464

Moreno Valley, CA

$557

Difference

$92.89

Groceries

↓ 8.0%

Oakland, CA

$1,129

Moreno Valley, CA

$1,039

Difference

$89.93

less

🏠Rent Comparison

Studio

From$1,770

To$1,970

↑ $200

1 Bed

From$1,990

To$2,070

↑ $80.00

2 Bed

From$2,420

To$2,560

↑ $140

3 Bed

From$3,090

To$3,390

↑ $300

Oakland, CAZIP-level data

1BR range: $1,990–$2,510/mo

Moreno Valley, CAZIP-level data

1BR range: $1,970–$2,360/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

$9,539

Monthly in Moreno Valley, CA

$5,660

Difference

Home Values

Oakland

Moreno Valley

$575K

Median Value

$560K

↓ -9.5%

YoY Change

↓ -2.6%

↓ -12.6%

5-Year Change

↑ +38.4%

$433K - $1.10M

Price Range

$510K - $606K

Homes in Moreno Valley are 2% less expensive than Oakland

Calculate payment - Oakland Calculate payment - Moreno Valley

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

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

Moreno Valley, 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

Oakland, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Moreno Valley, 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.