San Bernardino vs Colorado Springs: Cost of Living Comparison
How does the cost of living in San Bernardino, California compare to Colorado Springs, Colorado? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: San Bernardino is the more affordable city overall. Housing costs are 9% lower in San Bernardino compared to Colorado Springs, while rent is 10% lower. State income tax is 13.3% in CA vs 4.4% in CO.
| Metric | San Bernardino, CA | Colorado Springs, CO | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $347,100 | $383,000 | -9.4% |
| Median Monthly Rent | $1,319 | $1,464 | -9.9% |
| Income | |||
| Median Household Income | $61,323 | $79,026 | -22.4% |
| Per Capita Income | $22,865 | $41,849 | -45.4% |
| Taxes | |||
| State Income Tax Rate | 13.3% | 4.4% | +202.3% |
| Combined Sales Tax | 8.7% | 7.8% | +11.6% |
| Demographics | |||
| Population | 221,041 | 479,612 | -53.9% |
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 — San Bernardino
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 — Colorado Springs
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 San Bernardino costs $347,100 compared to $383,000 in Colorado Springs — a 9% discount.
- Rent: Median rent is $1,319/mo in San Bernardino vs $1,464/mo in Colorado Springs.
- Income: Median household income is $61,323 in San Bernardino and $79,026 in Colorado Springs.
- Taxes: State income tax is 13.3% in California vs 4.4% in Colorado.
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).