South El Monte, CA vs Golden, CO: Cost of Living

Which city costs less?

Golden, CO has a modeled overall cost index 19.2% lower than South El Monte, CA.

South El Monte, CA · modeled 2BR rent
$2,140 / month
Golden, CO · modeled 2BR rent
$2,190 / 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 South El Monte, CA and Golden, CO 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 savings: $1,547/month in Golden, CO

$150,000 in your current city has a modeled equivalent of $131,435 in Golden, CO

Regional cost estimates: South El Monte, CA uses Long Beach, CA. Golden, CO uses Denver, CO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 19.2%
Less expensive
Monthly Impact
$1,547
Savings
Annual Impact
$18.6K
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.

South El Monte, CA

Population:19K
Cost Index:
125.6
100 = national average
Typical Home:$746K

Golden, CO

Population:20K
Cost Index:
101.5
100 = national average
Typical Home:$826K

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South El Monte, CA

The Golden State

19K
Population
State Tax
Yes

Located in California, this city has a population of 19K residents.

Golden, CO

The Centennial State

20K
Population
State Tax
Yes

Located in Colorado, this city has a population of 20K residents.

Cost Breakdown by Category

Estimated monthly spending: South El Monte, CA vs Golden, CO

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
↓ 34.4%
South El Monte, CA
$3,149
Golden, CO
$2,065
Difference
$1,084
less
Transportation
↓ 32.9%
South El Monte, CA
$1,537
Golden, CO
$1,032
Difference
$505
less
Healthcare
↑ 14.1%
South El Monte, CA
$407
Golden, CO
$465
Difference
$57.48
more
All Utilities
↓ 7.3%
South El Monte, CA
$412
Golden, CO
$382
Difference
$29.88
less
Other
↑ 2.0%
South El Monte, CA
$1,228
Golden, CO
$1,253
Difference
$24.99
more
Groceries
↓ 1.4%
South El Monte, CA
$767
Golden, CO
$757
Difference
$10.63
less

🏠Rent Comparison

Studio
From$1,530
To$1,720
↑ $190
1 Bed
From$1,720
To$1,835
↑ $115
2 Bed
From$2,140
To$2,190
↑ $50.00
3 Bed
From$2,710
To$2,865
↑ $155
South El Monte, CAZIP-level data

1BR range: $1,720–$1,720/mo

Golden, COZIP-level data

1BR range: $1,800–$1,870/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 South El Monte, CA
$5,953
Monthly in Golden, CO
$1,547
Difference

Home Values

South El Monte
Golden
$746K
Median Value
$826K
↓ -0.5%
YoY Change
↓ -0.5%
↑ +34%
5-Year Change
↑ +30.7%
$746K
Price Range
$808K - $844K

Homes in Golden are 11% more expensive than South El Monte

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $4.0K
Per year
Monthly Difference
$336
More take-home
Effective Rate Diff
2.7%
Rate difference

South El Monte, 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

Golden, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

South El Monte, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

Golden, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

💡 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

South El Monte
Golden
80 Moderate
Air Quality
55 Moderate
10.4%
Good Air Days
35.2%
100 Very High
Climate Risk
95 High
🔥🌊🌅
Top Hazards
🌊🌪💨
▲+2.3°F
2050 Outlook
▲+3.3°F
5 days
Heat Days >95°F
28 days
▲+2.3°F
2050 Outlook
▲+3.3°F
5 days
Heat Days >95°F
28 days

Before moving from South El Monte, CA to Golden, CO

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

  1. Compare actual homes. Get current quotes in Golden, CO for the same bedroom count and included utilities as your home in South El Monte, CA. 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 South El Monte to Golden moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Golden, CO by cost, housing, population and region.

Frequently Asked Questions: South El Monte, CA vs Golden, CO

How do the cost estimates for South El Monte, CA and Golden, CO compare?

Golden, CO has a modeled overall cost index 19.2% lower than South El Monte, 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 South El Monte, CA, the model estimates $131,435 in Golden, CO. 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 South El Monte, CA and Golden, CO?

The modeled two-bedroom rents are $2,140/month in South El Monte, CA and $2,190/month in Golden, CO. 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 California and Colorado on TaxTakeHome.com

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