Is Rancho Cucamonga, CA cheaper than Santa Rosa, CA?

Based on cost of living data, Rancho Cucamonga, CA is 23.4% cheaper than Santa Rosa, CA. This translates to saving $1759 per month.

What salary do I need in Rancho Cucamonga, CA to live like I do in Santa Rosa, CA?

If you earn $150,000 in Santa Rosa, CA, you'd need approximately $128,895.238 in Rancho Cucamonga, CA to maintain the same standard of living.

How does housing cost compare between Santa Rosa, CA and Rancho Cucamonga, CA?

Housing in Rancho Cucamonga, CA is 46.8% cheaper than in Santa Rosa, CA. For a two-bedroom apartment, rent is $3,220/month in Rancho Cucamonga, CA compared to $1,928/month in Santa Rosa, CA.

How much can I save per month by moving from Santa Rosa, CA to Rancho Cucamonga, CA?

Moving from Santa Rosa, CA to Rancho Cucamonga, CA could save you approximately $1759 per month, or $21105 per year, based on a $150,000 salary.

Santa Rosa, CA vs Rancho Cucamonga, CA: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Santa Rosa, CA

Numbers update automatically as you type

You'd save $1.8K/month moving to Rancho Cucamonga, CA

$150.0K in your current city equals $128.9K in Rancho Cucamonga, CA

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↓ 23.4%

Less expensive

Monthly Impact

$1,759

Savings

Annual Impact

$21.1K

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

Rancho Cucamonga, CA

Population:174K

Cost Index:

(23% below avg)

Median Home:$669K

Santa Rosa, CA

The Golden State

176K

Population

State Tax

Yes

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

Rancho Cucamonga, CA

The Golden State

174K

Population

State Tax

Yes

Located in California, this city has a population of 174K residents.

Cost Breakdown by Category

Annual spending: Santa Rosa, CA vs Rancho Cucamonga, CA

Category	Santa Rosa, CA	Rancho Cucamonga, CA	Difference	Change
Housing	$6,939/mo	$3,690/mo	↓ $3,249less	46.8%
Transportation	$1,703/mo	$2,158/mo	↑ $455more	26.7%
Other	$1,479/mo	$1,724/mo	↑ $245more	16.5%
All Utilities	$398/mo	$557/mo	↑ $159more	40.0%
Healthcare	$627/mo	$551/mo	↓ $76.01less	12.1%
Groceries	$1,030/mo	$1,039/mo	↑ $9.55more	0.9%

Housing

↓ 46.8%

Santa Rosa, CA

$6,939

Rancho Cucamonga, CA

$3,690

Difference

$3,249

less

Transportation

↑ 26.7%

Santa Rosa, CA

$1,703

Rancho Cucamonga, CA

$2,158

Difference

$455

Other

↑ 16.5%

Santa Rosa, CA

$1,479

Rancho Cucamonga, CA

$1,724

Difference

$245

All Utilities

↑ 40.0%

Santa Rosa, CA

$398

Rancho Cucamonga, CA

$557

Difference

$159

Healthcare

↓ 12.1%

Santa Rosa, CA

$627

Rancho Cucamonga, CA

$551

Difference

$76.01

less

Groceries

↑ 0.9%

Santa Rosa, CA

$1,030

Rancho Cucamonga, CA

$1,039

Difference

$9.55

🏠Rent Comparison

Studio

From$1,331

To$2,480

↑ $1,149

1 Bed

From$1,469

To$2,600

↑ $1,131

2 Bed

From$1,928

To$3,220

↑ $1,292

3 Bed

From$2,649

To$4,260

↑ $1,611

Santa Rosa, CAZIP-level data

1BR range: $1,940–$2,470/mo

Rancho Cucamonga, CAZIP-level data

1BR range: $2,600–$2,600/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

$9,721

Monthly in Rancho Cucamonga, CA

$2,456

Difference

Home Values

Santa Rosa

Rancho Cucamonga

$713K

Median Value

$669K

↓ -2.8%

YoY Change

↓ -1.4%

↑ +12.2%

5-Year Change

↑ +35%

$620K - $797K

Price Range

$669K

Homes in Rancho Cucamonga are 6% less expensive than Santa Rosa

Calculate payment - Santa Rosa Calculate payment - Rancho Cucamonga

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

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

Rancho Cucamonga, 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%

Rancho Cucamonga, 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.