Rancho Cucamonga, CA vs Ontario, CA: Cost of Living

Which city costs less?

Rancho Cucamonga, CA and Ontario, CA have about the same overall cost index in our saved model.

Rancho Cucamonga, CA · modeled 2BR rent: $3,220 / month
Ontario, CA · modeled 2BR rent: $2,580 / 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

Adjust your income and compare the budget ↓

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Cost of Living Comparison 2026

Compare Rancho Cucamonga, CA and Ontario, 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 Rancho Cucamonga, CA

Numbers update automatically as you type

Rancho Cucamonga, CA and Ontario, CA have similar living costs

$150,000 in your current city has a modeled equivalent of $150,000 in Ontario, CA

Regional cost estimates: Rancho Cucamonga, CA uses Fontana, CA. Ontario, CA uses Fontana, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

→ 0.0%

Same cost

Monthly Impact

No change

Annual Impact

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.

Rancho Cucamonga, CA

Population:174K

Cost Index:

119.0

100 = national average

Typical Home:$669K

Ontario, CA

Population:182K

Cost Index:

119.0

100 = national average

Typical Home:$672K

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Rancho Cucamonga, CA

The Golden State

174K

Population

State Tax

Yes

Located in California, this city has a population of 174K residents.

Ontario, CA

The Golden State

182K

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Rancho Cucamonga, CA vs Ontario, 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	Rancho Cucamonga, CA	Ontario, CA	Difference	Change
Housing	$2,847/mo	$2,847/mo	→ $0	0.0%
Groceries	$802/mo	$802/mo	→ $0	0.0%
Transportation	$1,665/mo	$1,665/mo	→ $0	0.0%
All Utilities	$430/mo	$430/mo	→ $0	0.0%
Healthcare	$425/mo	$425/mo	→ $0	0.0%
Other	$1,330/mo	$1,330/mo	→ $0	0.0%

Housing

→ 0.0%

Rancho Cucamonga, CA

$2,847

Ontario, CA

$2,847

Difference

same

Groceries

→ 0.0%

Rancho Cucamonga, CA

$802

Ontario, CA

$802

Difference

same

Transportation

→ 0.0%

Rancho Cucamonga, CA

$1,665

Ontario, CA

$1,665

Difference

same

All Utilities

→ 0.0%

Rancho Cucamonga, CA

$430

Ontario, CA

$430

Difference

same

Healthcare

→ 0.0%

Rancho Cucamonga, CA

$425

Ontario, CA

$425

Difference

same

Other

→ 0.0%

Rancho Cucamonga, CA

$1,330

Ontario, CA

$1,330

Difference

same

🏠Rent Comparison

Studio

From$2,480

To$1,980

↓ $500

1 Bed

From$2,600

To$2,080

↓ $520

2 Bed

From$3,220

To$2,580

↓ $640

3 Bed

From$4,260

To$3,410

↓ $850

Rancho Cucamonga, CAZIP-level data

1BR range: $2,600–$2,600/mo

Ontario, CAZIP-level data

1BR range: $1,980–$2,240/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 Rancho Cucamonga, CA

$7,500

Monthly in Ontario, CA

Difference

Home Values

Rancho Cucamonga

Ontario

$669K

Median Value

$672K

↓ -1.4%

YoY Change

↓ -1.9%

↑ +35%

5-Year Change

↑ +34.4%

$669K

Price Range

$623K - $683K

Calculate payment - Rancho Cucamonga Calculate payment - Ontario

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

Rancho Cucamonga, 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

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

Additional Tax Information

Rancho Cucamonga, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Ontario, 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

Rancho Cucamonga

Ontario

87 Moderate

Air Quality

87 Moderate

10.9%

Good Air Days

10.9%

100 Very High

Climate Risk

100 Very High

🔥🌊🌡

Top Hazards

🔥🌊🌡

▲+2.8°F

2050 Outlook

▲+2.8°F

82 days

Heat Days >95°F

82 days

▲+2.8°F

2050 Outlook

▲+2.8°F

82 days

Heat Days >95°F

82 days

Before moving from Rancho Cucamonga, CA to Ontario, CA

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

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

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

Frequently Asked Questions: Rancho Cucamonga, CA vs Ontario, CA

How do the cost estimates for Rancho Cucamonga, CA and Ontario, CA compare?

Rancho Cucamonga, CA and Ontario, CA have about the same overall cost index in our saved model. 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 Rancho Cucamonga, CA, the model estimates $150,000 in Ontario, 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 Rancho Cucamonga, CA and Ontario, CA?

The modeled two-bedroom rents are $3,220/month in Rancho Cucamonga, CA and $2,580/month in Ontario, 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.