Rancho Cucamonga vs New York: Cost of Living Comparison
How does the cost of living in Rancho Cucamonga, California compare to New York, New York? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: Rancho Cucamonga is the more affordable city overall. Housing costs are 10% lower in Rancho Cucamonga compared to New York, while rent is 27% higher. State income tax is 13.3% in CA vs 10.9% in NY.
| Metric | Rancho Cucamonga, CA | New York, NY | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $657,400 | $732,100 | -10.2% |
| Median Monthly Rent | $2,184 | $1,714 | +27.4% |
| Income | |||
| Median Household Income | $105,534 | $76,607 | +37.8% |
| Per Capita Income | $44,345 | $48,066 | -7.7% |
| Taxes | |||
| State Income Tax Rate | 13.3% | 10.9% | +22.0% |
| Combined Sales Tax | 8.7% | 8.5% | +1.9% |
| Demographics | |||
| Population | 174,696 | 8,622,467 | -98.0% |
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 — Rancho Cucamonga
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 — New York
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 Rancho Cucamonga costs $657,400 compared to $732,100 in New York — a 10% discount.
- Rent: Median rent is $2,184/mo in Rancho Cucamonga vs $1,714/mo in New York.
- Income: Median household income is $105,534 in Rancho Cucamonga and $76,607 in New York.
- Taxes: State income tax is 13.3% in California vs 10.9% in New York.
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).