Ontario vs Spokane: Cost of Living Comparison
How does the cost of living in Ontario, California compare to Spokane, Washington? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Spokane is the more affordable city overall. Housing costs are 79% higher in Ontario compared to Spokane, while rent is 72% higher. WA has no state income tax.
| Metric | Ontario, CA | Spokane, WA | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $513,000 | $286,900 | +78.8% |
| Median Monthly Rent | $1,826 | $1,060 | +72.3% |
| Income | |||
| Median Household Income | $78,070 | $63,316 | +23.3% |
| Per Capita Income | $29,332 | $36,513 | -19.7% |
| Taxes | |||
| State Income Tax Rate | 13.3% | None | same |
| Combined Sales Tax | 8.7% | 9.3% | -6.6% |
| Demographics | |||
| Population | 176,326 | 227,922 | -22.6% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — Ontario
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Spokane
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in Ontario costs $513,000 compared to $286,900 in Spokane — a 79% premium.
- Rent: Median rent is $1,826/mo in Ontario vs $1,060/mo in Spokane.
- Income: Median household income is $78,070 in Ontario and $63,316 in Spokane.
- Taxes: Washington has no state income tax, while California has a 13.3% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).