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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

You'd save $2.0K/month moving to Elk Grove, CA

$150.0K in your current city equals $126.2K in Elk Grove, CA

Rent data from HUD ZIP-level estimates · COL index from area
Overall Cost
26.5%
Less expensive
Monthly Impact
$1,987
Savings
Annual Impact
$23.8K
Per year

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

Santa Rosa, CA

Population:176K
Cost Index:
100
100 = national average
Median Home:$713K

Elk Grove, CA

Population:178K
Cost Index:
74
(26% below avg)
Median Home:$596K

Santa Rosa, CA

The Golden State

176K
Population
State Tax
Yes

Located in California, this city has a population of 176K residents.

Elk Grove, CA

The Golden State

178K
Population
State Tax
Yes

Located in California, this city has a population of 178K residents.

Cost Breakdown by Category

Annual spending: Santa Rosa, CA vs Elk Grove, CA

Housing
53.6%
Santa Rosa, CA
$6,939
Elk Grove, CA
$3,221
Difference
$3,719
less
Transportation
18.5%
Santa Rosa, CA
$1,703
Elk Grove, CA
$1,387
Difference
$316
less
Other
19.3%
Santa Rosa, CA
$1,479
Elk Grove, CA
$1,766
Difference
$286
more
All Utilities
31.6%
Santa Rosa, CA
$398
Elk Grove, CA
$524
Difference
$126
more
Groceries
1.7%
Santa Rosa, CA
$1,030
Elk Grove, CA
$1,047
Difference
$17.05
more
Healthcare
2.4%
Santa Rosa, CA
$627
Elk Grove, CA
$612
Difference
$15.16
less

🏠Rent Comparison

Studio
From$1,331
To$1,602
$271
1 Bed
From$1,469
To$1,677
$208
2 Bed
From$1,928
To$2,063
$135
3 Bed
From$2,649
To$2,743
$94.00
Santa Rosa, CAZIP-level data

1BR range: $1,940$2,470/mo

Elk Grove, CAZIP-level data

1BR range: $2,000$2,040/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.

$12,177
Monthly in Santa Rosa, CA
$8,556
Monthly in Elk Grove, CA
$3,621
Difference

Home Values

Santa Rosa
Elk Grove
$713K
Median Value
$596K
↓ -2.8%
YoY Change
↓ -3.6%
↑ +12.2%
5-Year Change
↑ +24.6%
$620K - $797K
Price Range
$566K - $627K

Homes in Elk Grove are 16% less expensive than Santa Rosa

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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Santa Rosa, 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

Elk Grove, 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

Santa Rosa, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Elk Grove, 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

Santa Rosa
Elk Grove
33 Good
Air Quality
51 Moderate
76%
Good Air Days
49.7%
100 Very High
Climate Risk
98 High
🌊🫨
Top Hazards
🌊🫨
+2.0°F
2050 Outlook
+2.4°F
1 days
Heat Days >95°F
69 days
+2.0°F
2050 Outlook
+2.4°F
1 days
Heat Days >95°F
69 days

What to Consider When Moving from Santa Rosa, CA to Elk Grove, CA

Relocating from Santa Rosa, CA to Elk Grove, CA involves more than just comparing rent prices. While the overall cost of living is about 26% lower in Elk Grove, CA, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Elk Grove, CA is 54% cheaper than in Santa Rosa, CA. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas — not just city averages — before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Elk Grove, CA pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Elk Grove, CA to match your current standard of living in Santa Rosa, CA.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general “feel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Elk Grove, CA for a week before making a final decision — experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Santa Rosa, CA vs Elk Grove, CA

Is Elk Grove, CA cheaper than Santa Rosa, CA?

Yes, Elk Grove, CA is about 26.5% cheaper than Santa Rosa, CA. You could save approximately $1,987/month on a $150,000 salary. Housing costs are 54% lower in Elk Grove, CA.

What salary do I need in Elk Grove, CA to match my lifestyle in Santa Rosa, CA?

If you currently earn $150,000 in Santa Rosa, CA, you would need approximately $126,150 in Elk Grove, CA to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Santa Rosa, CA and Elk Grove, CA?

A two-bedroom apartment averages $1,928/month in Santa Rosa, CA compared to $2,063/month in Elk Grove, CA. One-bedroom apartments are $1,469/month in Santa Rosa, CA vs $1,677/month in Elk Grove, CA. These are area-wide medians — specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Santa Rosa, CA or Elk Grove, CA?

Groceries are about 2% more expensive in Elk Grove, CA than in Santa Rosa, CA, which adds roughly $17.05/month to a typical household budget. This covers common items like produce, dairy, meat, and pantry staples based on BLS consumer expenditure data.

What is the best time to move from Santa Rosa, CA to Elk Grove, CA?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

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