Roy, UT vs Los Banos, CA: Cost of Living

Which city costs less?

Los Banos, CA has a modeled overall cost index 15.7% higher than Roy, UT.

Roy, UT · modeled 2BR rent
$1,680 / month
Los Banos, CA · modeled 2BR rent
$1,760 / 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 Roy, UT and Los Banos, 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

$
Numbers update automatically as you type

Estimated extra cost: $1,014/month in Los Banos, CA

$150,000 in your current city has a modeled equivalent of $162,166 in Los Banos, CA

Regional cost estimates: Roy, UT uses Boise, ID. Los Banos, CA uses Modesto, CA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 15.7%
More expensive
Monthly Impact
$1,014
Extra cost
Annual Impact
$12.2K
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.

Roy, UT

Population:39K
Cost Index:
90.1
100 = national average
Typical Home:$426K

Los Banos, CA

Population:49K
Cost Index:
104.2
100 = national average
Typical Home:$455K

Planning the move to Los Banos?

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Roy, UT

The Beehive State

39K
Population
State Tax
Yes

Located in Utah, this city has a population of 39K residents.

Los Banos, CA

The Golden State

49K
Population
State Tax
Yes

Located in California, this city has a population of 49K residents.

Cost Breakdown by Category

Estimated monthly spending: Roy, UT vs Los Banos, 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.

Housing
↑ 16.4%
Roy, UT
$2,497
Los Banos, CA
$2,907
Difference
$409
more
Transportation
↑ 25.2%
Roy, UT
$1,230
Los Banos, CA
$1,541
Difference
$311
more
Groceries
↑ 18.0%
Roy, UT
$986
Los Banos, CA
$1,163
Difference
$177
more
Other
↑ 9.3%
Roy, UT
$1,648
Los Banos, CA
$1,801
Difference
$153
more
Healthcare
↓ 17.4%
Roy, UT
$649
Los Banos, CA
$536
Difference
$113
less
All Utilities
↑ 15.6%
Roy, UT
$490
Los Banos, CA
$566
Difference
$76.37
more

🏠Rent Comparison

Studio
From$1,260
To$1,310
↑ $50.00
1 Bed
From$1,330
To$1,420
↑ $90.00
2 Bed
From$1,680
To$1,760
↑ $80.00
3 Bed
From$2,250
To$2,420
↑ $170
Roy, UTZIP-level data

1BR range: $1,330–$1,330/mo

Los Banos, CAZIP-level data

1BR range: $1,420–$1,420/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 Roy, UT
$8,514
Monthly in Los Banos, CA
$1,014
Difference

Home Values

Roy
Los Banos
$426K
Median Value
$455K
↑ +2%
YoY Change
↓ -3.2%
↑ +38.3%
5-Year Change
↑ +22.3%

Homes in Los Banos are 7% more expensive than Roy

Calculate payment - RoyCalculate payment - Los Banos

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $3.4K
More taxes
Monthly Difference
$279
Less take-home
Effective Rate Diff
2.2%
Rate difference

Roy, UT

Federal Income Tax
Effective: 18.9%
$25.5K
Utah State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Los Banos, 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

Roy, UT Tax Rates

Sales Tax:7.4%
Property Tax:0.6%

Los Banos, 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

Roy
Los Banos
44 Good
Air Quality
53 Moderate
62.8%
Good Air Days
45.4%
88 Moderate
Climate Risk
97 High
🔥💨
Top Hazards
🌊☀🫨
▲+3.3°F
2050 Outlook
▲+2.4°F
49 days
Heat Days >95°F
67 days
▲+3.3°F
2050 Outlook
▲+2.4°F
49 days
Heat Days >95°F
67 days

Before moving from Roy, UT to Los Banos, CA

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

  1. Compare actual homes. Get current quotes in Los Banos, CA for the same bedroom count and included utilities as your home in Roy, UT. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Roy to Los Banos moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Roy, UT vs Los Banos, CA

How do the cost estimates for Roy, UT and Los Banos, CA compare?

Los Banos, CA has a modeled overall cost index 15.7% higher than Roy, UT. 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 Roy, UT, the model estimates $162,166 in Los Banos, 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 Roy, UT and Los Banos, CA?

The modeled two-bedroom rents are $1,680/month in Roy, UT and $1,760/month in Los Banos, 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.

💰 See how taxes change too — compare take-home pay between Utah and California on TaxTakeHome.com

Where your money goes further

Cities cheaper than Roy, UT on a $150.0K salary

1.St. Louis, MO
Save $175/mo
2.Indianapolis, IN
Save $146/mo

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