Redwood City, CA vs Santa Clara, CA: Cost of Living

Which city costs less?

Santa Clara, CA has a modeled overall cost index 2.3% higher than Redwood City, CA.

Redwood City, CA · modeled 2BR rent: $3,800 / month
Santa Clara, CA · modeled 2BR rent: $3,960 / 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

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Cost of Living Comparison 2026

Compare Redwood City, CA and Santa Clara, 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 Redwood City, CA

Numbers update automatically as you type

Estimated extra cost: $629/month in Santa Clara, CA

$150,000 in your current city has a modeled equivalent of $157,553 in Santa Clara, CA

Regional cost estimates: Redwood City, CA uses Fremont, CA. Santa Clara, CA uses Fremont, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.3%

More expensive

Monthly Impact

$629

Extra cost

Annual Impact

$7.6K

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.

Redwood City, CA

Population:81K

Cost Index:

168.1

100 = national average

Typical Home:$1.78M

Santa Clara, CA

Population:131K

Cost Index:

172.0

100 = national average

Typical Home:$1.60M

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Redwood City, CA

The Golden State

81K

Population

State Tax

Yes

Located in California, this city has a population of 81K residents.

Santa Clara, CA

The Golden State

131K

Population

State Tax

Yes

Located in California, this city has a population of 131K residents.

Cost Breakdown by Category

Estimated monthly spending: Redwood City, CA vs Santa Clara, 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	Redwood City, CA	Santa Clara, CA	Difference	Change
Housing	$4,148/mo	$4,715/mo	↑ $568more	13.7%
Other	$1,101/mo	$1,126/mo	↑ $25.58more	2.3%
Transportation	$849/mo	$868/mo	↑ $19.72more	2.3%
Groceries	$689/mo	$697/mo	↑ $7.96more	1.2%
Healthcare	$431/mo	$436/mo	↑ $4.98more	1.2%
All Utilities	$283/mo	$287/mo	↑ $3.27more	1.2%

Housing

↑ 13.7%

Redwood City, CA

$4,148

Santa Clara, CA

$4,715

Difference

$568

Other

↑ 2.3%

Redwood City, CA

$1,101

Santa Clara, CA

$1,126

Difference

$25.58

Transportation

↑ 2.3%

Redwood City, CA

$849

Santa Clara, CA

$868

Difference

$19.72

Groceries

↑ 1.2%

Redwood City, CA

$689

Santa Clara, CA

$697

Difference

$7.96

Healthcare

↑ 1.2%

Redwood City, CA

$431

Santa Clara, CA

$436

Difference

$4.98

All Utilities

↑ 1.2%

Redwood City, CA

$283

Santa Clara, CA

$287

Difference

$3.27

🏠Rent Comparison

Studio

From$2,620

To$2,980

↑ $360

1 Bed

From$3,140

To$3,390

↑ $250

2 Bed

From$3,800

To$3,960

↑ $160

3 Bed

From$4,850

To$5,230

↑ $380

Redwood City, CAZIP-level data

1BR range: $3,060–$3,620/mo

Santa Clara, CAZIP-level data

1BR range: $2,860–$3,790/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 Redwood City, CA

$8,129

Monthly in Santa Clara, CA

$629

Difference

Home Values

Redwood City

Santa Clara

$1.78M

Median Value

$1.60M

↓ -0.9%

YoY Change

↓ -0.8%

↑ +14.2%

5-Year Change

↑ +30.9%

$1.25M - $1.86M

Price Range

$1.49M - $1.86M

Homes in Santa Clara are 10% less expensive than Redwood City

Calculate payment - Redwood City Calculate payment - Santa Clara

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

Redwood City, 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

Santa Clara, 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

Redwood City, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Santa Clara, 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

Redwood City

Santa Clara

49 Good

Air Quality

49 Good

53%

Good Air Days

53%

100 Very High

Climate Risk

100 Very High

🔥🌊🌅

Top Hazards

🔥🌊🌅

▲+2.2°F

2050 Outlook

▲+2.2°F

5 days

Heat Days >95°F

5 days

▲+2.2°F

2050 Outlook

▲+2.2°F

5 days

Heat Days >95°F

5 days

Before moving from Redwood City, CA to Santa Clara, CA

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

Compare actual homes. Get current quotes in Santa Clara, CA for the same bedroom count and included utilities as your home in Redwood City, 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 Redwood City to Santa Clara moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Redwood City, CA vs Santa Clara, CA

How do the cost estimates for Redwood City, CA and Santa Clara, CA compare?

Santa Clara, CA has a modeled overall cost index 2.3% higher than Redwood City, CA. 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 Redwood City, CA, the model estimates $157,553 in Santa Clara, 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 Redwood City, CA and Santa Clara, CA?

The modeled two-bedroom rents are $3,800/month in Redwood City, CA and $3,960/month in Santa Clara, 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.