Is Miami, FL cheaper than San Bernardino, CA?

Based on cost of living data, Miami, FL is 5.1% more expensive than San Bernardino, CA. This translates to spending an extra $385 per month.

What salary do I need in Miami, FL to live like I do in San Bernardino, CA?

If you earn $150,000 in San Bernardino, CA, you'd need approximately $154,615.385 in Miami, FL to maintain the same standard of living.

How does housing cost compare between San Bernardino, CA and Miami, FL?

Housing in Miami, FL is 5.2% more expensive than in San Bernardino, CA. For a two-bedroom apartment, rent is $2,660/month in Miami, FL compared to $2,080/month in San Bernardino, CA.

How much can I save per month by moving from San Bernardino, CA to Miami, FL?

Living in Miami, FL costs approximately $385 more per month than San Bernardino, CA, or $4615 more per year, based on a $150,000 salary.

San Bernardino, CA vs Miami, FL: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in San Bernardino, CA

Numbers update automatically as you type

You'd spend $385/month more in Miami, FL

$150.0K in your current city equals $154.6K in Miami, FL

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

Overall Cost

↑ 5.1%

More expensive

Monthly Impact

$385

Extra cost

Annual Impact

$4.6K

Per year

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

San Bernardino, CA

Population:222K

Cost Index:

100

100 = national average

Median Home:$448K

Miami, FL

Population:442K

Cost Index:

105

(5% above avg)

Median Home:$510K

San Bernardino, CA

The Golden State

222K

Population

State Tax

Yes

Located in California, this city has a population of 222K residents.

Miami, FL

The Sunshine State

442K

Population

State Tax

No Income Tax

Climate

Tropical

Notable Facts

•Gateway to Latin America
•Major cruise port
•International business hub

Major Industries

International TradeTourismFinanceReal Estate

Cost Breakdown by Category

Annual spending: San Bernardino, CA vs Miami, FL

Category	San Bernardino, CA	Miami, FL	Difference	Change
Transportation	$2,158/mo	$1,462/mo	↓ $697less	32.3%
Other	$1,724/mo	$2,093/mo	↑ $368more	21.4%
Housing	$3,508/mo	$3,690/mo	↑ $182more	5.2%
Groceries	$1,039/mo	$1,079/mo	↑ $39.97more	3.8%
All Utilities	$557/mo	$519/mo	↓ $38.25less	6.9%
Healthcare	$551/mo	$589/mo	↑ $37.17more	6.7%

Transportation

↓ 32.3%

San Bernardino, CA

$2,158

Miami, FL

$1,462

Difference

$697

less

Other

↑ 21.4%

San Bernardino, CA

$1,724

Miami, FL

$2,093

Difference

$368

Housing

↑ 5.2%

San Bernardino, CA

$3,508

Miami, FL

$3,690

Difference

$182

Groceries

↑ 3.8%

San Bernardino, CA

$1,039

Miami, FL

$1,079

Difference

$39.97

All Utilities

↓ 6.9%

San Bernardino, CA

$557

Miami, FL

$519

Difference

$38.25

less

Healthcare

↑ 6.7%

San Bernardino, CA

$551

Miami, FL

$589

Difference

$37.17

🏠Rent Comparison

Studio

From$1,600

To$1,995

↑ $395

1 Bed

From$1,670

To$2,180

↑ $510

2 Bed

From$2,080

To$2,660

↑ $580

3 Bed

From$2,780

To$3,415

↑ $635

San Bernardino, CAZIP-level data

1BR range: $1,670–$1,910/mo

Miami, FLZIP-level data

1BR range: $1,550–$2,990/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.

$9,539

Monthly in San Bernardino, CA

$9,431

Monthly in Miami, FL

$108

Difference

Home Values

San Bernardino

Miami

$448K

Median Value

$510K

↓ -2%

YoY Change

↓ -3.6%

↑ +39%

5-Year Change

↑ +49.4%

$374K - $530K

Price Range

$278K - $1.53M

Homes in Miami are 14% more expensive than San Bernardino

Calculate payment - San Bernardino Calculate payment - Miami

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.6K

Per year

Monthly Difference

$886

More take-home

Effective Rate Diff

7.1%

Rate difference

San Bernardino, 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

Miami, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

San Bernardino, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Miami, FL Tax Rates

Sales Tax:7.2%

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.