Is Elk Grove, CA cheaper than Ontario, CA?

Based on cost of living data, Elk Grove, CA is 4.0% cheaper than Ontario, CA. This translates to saving $299 per month.

What salary do I need in Elk Grove, CA to live like I do in Ontario, CA?

If you earn $150,000 in Ontario, CA, you'd need approximately $146,414.09 in Elk Grove, CA to maintain the same standard of living.

How does housing cost compare between Ontario, CA and Elk Grove, CA?

Housing in Elk Grove, CA is 12.7% cheaper than in Ontario, CA. For a two-bedroom apartment, rent is $2,063/month in Elk Grove, CA compared to $2,580/month in Ontario, CA.

How much can I save per month by moving from Ontario, CA to Elk Grove, CA?

Moving from Ontario, CA to Elk Grove, CA could save you approximately $299 per month, or $3586 per year, based on a $150,000 salary.

Ontario, CA vs Elk Grove, 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 Ontario, CA

Numbers update automatically as you type

You'd save $299/month moving to Elk Grove, CA

$150.0K in your current city equals $146.4K in Elk Grove, CA

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↓ 4.0%

Less expensive

Monthly Impact

$299

Savings

Annual Impact

$3.6K

Per year

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

Ontario, CA

Population:182K

Cost Index:

100

100 = national average

Median Home:$672K

Elk Grove, CA

Population:178K

Cost Index:

(4% below avg)

Median Home:$596K

Ontario, CA

The Golden State

182K

Population

State Tax

Yes

Located in California, this city has a population of 182K residents.

Elk Grove, CA

The Golden State

178K

Population

State Tax

Yes

Located in California, this city has a population of 178K residents.

Cost Breakdown by Category

Annual spending: Ontario, CA vs Elk Grove, CA

Category	Ontario, CA	Elk Grove, CA	Difference	Change
Transportation	$2,158/mo	$1,387/mo	↓ $771less	35.7%
Housing	$3,690/mo	$3,221/mo	↓ $470less	12.7%
Healthcare	$551/mo	$612/mo	↑ $60.85more	11.0%
Other	$1,724/mo	$1,766/mo	↑ $41.34more	2.4%
All Utilities	$557/mo	$524/mo	↓ $33.57less	6.0%
Groceries	$1,039/mo	$1,047/mo	↑ $7.50more	0.7%

Transportation

↓ 35.7%

Ontario, CA

$2,158

Elk Grove, CA

$1,387

Difference

$771

less

Housing

↓ 12.7%

Ontario, CA

$3,690

Elk Grove, CA

$3,221

Difference

$470

less

Healthcare

↑ 11.0%

Ontario, CA

$551

Elk Grove, CA

$612

Difference

$60.85

Other

↑ 2.4%

Ontario, CA

$1,724

Elk Grove, CA

$1,766

Difference

$41.34

All Utilities

↓ 6.0%

Ontario, CA

$557

Elk Grove, CA

$524

Difference

$33.57

less

Groceries

↑ 0.7%

Ontario, CA

$1,039

Elk Grove, CA

$1,047

Difference

$7.50

🏠Rent Comparison

Studio

From$1,980

To$1,602

↓ $378

1 Bed

From$2,080

To$1,677

↓ $403

2 Bed

From$2,580

To$2,063

↓ $517

3 Bed

From$3,410

To$2,743

↓ $667

Ontario, CAZIP-level data

1BR range: $1,980–$2,240/mo

Elk Grove, CAZIP-level data

1BR range: $2,000–$2,040/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.

$9,721

Monthly in Ontario, CA

$8,556

Monthly in Elk Grove, CA

$1,164

Difference

Home Values

Ontario

Elk Grove

$672K

Median Value

$596K

↓ -1.9%

YoY Change

↓ -3.6%

↑ +34.4%

5-Year Change

↑ +24.6%

$623K - $683K

Price Range

$566K - $627K

Homes in Elk Grove are 11% less expensive than Ontario

Calculate payment - Ontario Calculate payment - Elk Grove

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

Ontario, 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

Elk Grove, 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

Ontario, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Elk Grove, 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.