San Bruno, CA vs Morgan Hill, CA: Cost of Living

Which city costs less?

Morgan Hill, CA has a modeled overall cost index 19.7% higher than San Bruno, CA.

San Bruno, CA · modeled 2BR rent: $3,520 / month
Morgan Hill, CA · modeled 2BR rent: $2,820 / 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 San Bruno, CA and Morgan Hill, 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 San Bruno, CA

Numbers update automatically as you type

Estimated extra cost: $884/month in Morgan Hill, CA

$150,000 in your current city has a modeled equivalent of $160,604 in Morgan Hill, CA

Regional cost estimates: San Bruno, CA uses Oakland, CA. Morgan Hill, CA uses San Jose, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 19.7%

More expensive

Monthly Impact

$884

Extra cost

Annual Impact

$10.6K

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.

San Bruno, CA

Population:41K

Cost Index:

156.5

100 = national average

Typical Home:$1.26M

Morgan Hill, CA

Population:44K

Cost Index:

187.4

100 = national average

Typical Home:$1.31M

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San Bruno, CA

The Golden State

41K

Population

State Tax

Yes

Located in California, this city has a population of 41K residents.

Morgan Hill, CA

The Golden State

44K

Population

State Tax

Yes

Located in California, this city has a population of 44K residents.

Cost Breakdown by Category

Estimated monthly spending: San Bruno, CA vs Morgan Hill, 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	San Bruno, CA	Morgan Hill, CA	Difference	Change
Housing	$3,680/mo	$5,096/mo	↑ $1,415more	38.5%
Transportation	$1,286/mo	$824/mo	↓ $462less	35.9%
Other	$1,118/mo	$1,069/mo	↓ $48.83less	4.4%
Groceries	$709/mo	$685/mo	↓ $24.38less	3.4%
All Utilities	$274/mo	$282/mo	↑ $7.55more	2.8%
Healthcare	$432/mo	$428/mo	↓ $3.77less	0.9%

Housing

↑ 38.5%

San Bruno, CA

$3,680

Morgan Hill, CA

$5,096

Difference

$1,415

Transportation

↓ 35.9%

San Bruno, CA

$1,286

Morgan Hill, CA

$824

Difference

$462

less

Other

↓ 4.4%

San Bruno, CA

$1,118

Morgan Hill, CA

$1,069

Difference

$48.83

less

Groceries

↓ 3.4%

San Bruno, CA

$709

Morgan Hill, CA

$685

Difference

$24.38

less

All Utilities

↑ 2.8%

San Bruno, CA

$274

Morgan Hill, CA

$282

Difference

$7.55

Healthcare

↓ 0.9%

San Bruno, CA

$432

Morgan Hill, CA

$428

Difference

$3.77

less

🏠Rent Comparison

Studio

From$2,430

To$2,120

↓ $310

1 Bed

From$2,910

To$2,410

↓ $500

2 Bed

From$3,520

To$2,820

↓ $700

3 Bed

From$4,500

To$3,730

↓ $770

San Bruno, CAZIP-level data

1BR range: $2,910–$2,910/mo

Morgan Hill, CAZIP-level data

1BR range: $2,410–$2,410/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 San Bruno, CA

$8,384

Monthly in Morgan Hill, CA

$884

Difference

Home Values

San Bruno

Morgan Hill

$1.26M

Median Value

$1.31M

↓ -0.9%

YoY Change

↓ -0.5%

↑ +15.6%

5-Year Change

↑ +28.4%

Homes in Morgan Hill are 4% more expensive than San Bruno

Calculate payment - San Bruno Calculate payment - Morgan Hill

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

San Bruno, 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

Morgan Hill, 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

San Bruno, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Morgan Hill, 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

San Bruno

Morgan Hill

49 Good

Air Quality

47 Good

53%

Good Air Days

55.4%

100 Very High

Climate Risk

100 Very High

🔥🌊🌅

Top Hazards

🌊🌅🌡

▲+1.9°F

2050 Outlook

▲+2.0°F

2 days

Heat Days >95°F

11 days

▲+1.9°F

2050 Outlook

▲+2.0°F

2 days

Heat Days >95°F

11 days

Before moving from San Bruno, CA to Morgan Hill, CA

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

Compare actual homes. Get current quotes in Morgan Hill, CA for the same bedroom count and included utilities as your home in San Bruno, 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 San Bruno to Morgan Hill moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: San Bruno, CA vs Morgan Hill, CA

How do the cost estimates for San Bruno, CA and Morgan Hill, CA compare?

Morgan Hill, CA has a modeled overall cost index 19.7% higher than San Bruno, 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 San Bruno, CA, the model estimates $160,604 in Morgan Hill, 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 San Bruno, CA and Morgan Hill, CA?

The modeled two-bedroom rents are $3,520/month in San Bruno, CA and $2,820/month in Morgan Hill, 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.