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Cost of Living: Los Angeles, CA vs Santa Clarita, CA

Wondering how far your dollar stretches in Los Angeles compared to Santa Clarita? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.

TL;DR

Los Angeles cost-of-living index is 173 vs 148 for Santa Clarita (US = 100). Median home: $860,000 vs $725,000. Median rent: $2,050/mo vs $2,350/mo.

Source: Census ACS · Zillow ZHVI/ZORI · BEA RPP, 2026

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Santa Clarita is 14.5% cheaper than Los Angeles
COL Index: Los Angeles 173 vs Santa Clarita 148 (national avg = 100)
Written by Jere Salmisto, Founder & Quantitative Systems Builder, CalcFi·Reviewed by CalcFi Editorial·Last reviewed 2026-04-19

Los Angeles vs Santa Clarita — At a Glance

Los AngelesMetricSanta ClaritaDifference
173Cost of Living Index148-14.5%
$860,000Median Home Price$725,000-15.7%
$2,050Median Monthly Rent$2,350+14.6%
$76,000Median Household Income$98,500+29.6%
0.7%Property Tax Rate0.8%+9.6%
5.3%Unemployment Rate3.8%-28.3%
32 minAverage Commute34 min+6.3%
36.4Median Age36.8+1.1%
13,200,000Metro Population230,000-98.3%

Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.

Housing Comparison: Los Angeles vs Santa Clarita

Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.

Los Angeles

Median Home Price$860,000
Down Payment (20.0%)$172,000
Loan Amount$688,000
Principal & Interest$4,349/mo
Property Tax$523/mo
Insurance$251/mo
Monthly PITI$5,123/mo

Santa Clarita

Median Home Price$725,000
Down Payment (20.0%)$145,000
Loan Amount$580,000
Principal & Interest$3,666/mo
Property Tax$483/mo
Insurance$211/mo
Monthly PITI$4,361/mo

Rent & Affordability Ratios

Median Monthly Rent$2,050 vs $2,350 (+$300/mo)
Annual Rent Difference$3,600/yr more in Santa Clarita
Home Price-to-Income Ratio11.3x (Los Angeles) vs 7.4x (Santa Clarita)
Years to Save 20% Down (15% savings rate)15.1 yrs (Los Angeles) vs 9.8 yrs (Santa Clarita)

Buying a home in Los Angeles costs $5,123/month (PITI) compared to $4,361/month in Santa Clarita — a difference of $762/month or $9,144/year. The price-to-income ratio is 11.3x in Los Angeles versus 7.4x in Santa Clarita, suggesting Santa Clarita is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 15.1 years to save a down payment in Los Angeles compared to 9.8 years in Santa Clarita.

Tax Comparison: Los Angeles vs Santa Clarita

Estimated on each city's median household income, single filer, standard deduction, 2025 rates.

Tax CategoryLos AngelesSanta Clarita
Gross Income$76,000$98,500
State Income Tax$3,097$5,188
Federal Income Tax$8,169$13,119
FICA (SS + Medicare)$5,814$7,535
Property Tax (on median home)$6,278/yr$5,800/yr
State Sales Tax Rate7.2%7.2%
Total Tax Burden$17,080 (22.5%)$25,842 (26.2%)
Take-Home Pay$58,920$72,658

On median household income, total taxes (federal + state + FICA) come to $17,080 in Los Angeles (22.5% effective) versus $25,842 in Santa Clarita (26.2% effective). After taxes, take-home pay is $58,920 in Los Angeles and $72,658 in Santa Clarita. Property taxes add $6,278/year on the median Los Angeles home versus $5,800/year in Santa Clarita.

Salary Equivalence: What Your Income Is Worth

A $76,000 salary in Los Angeles equals
$65,017
in Santa Clarita
A $98,500 salary in Santa Clarita equals
$115,139
in Los Angeles

These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $76,000 in Los Angeles (COL 173) and relocate to Santa Clarita (COL 148), you would need $65,017 to maintain the same purchasing power. This means you can take a pay cut of $10,983 and still maintain your lifestyle in Santa Clarita.

Quality of Life: Los Angeles vs Santa Clarita

Average Commute
32 min
Los Angeles
34 min
Santa Clarita
2 min shorter in Los Angeles
Unemployment Rate
5.3%
Los Angeles
3.8%
Santa Clarita
Santa Clarita lower
Metro Population
13.2M
Los Angeles
0.2M
Santa Clarita
Los Angeles is 57.4x larger

Beyond costs, quality of life matters. The average commute in Los Angeles is 32 minutes versus 34 minutes in Santa Clarita, a difference of 2 minutes each way. Santa Clarita's lower unemployment rate of 3.8% versus 5.3% suggests a stronger job market. Santa Clarita skews slightly older with a median age of 36.8 vs 36.4 in Los Angeles.

Other Cost of Living Comparisons

Los Angeles vs New YorkCOL 173 vs 187Chicago vs Los AngelesCOL 114 vs 173Dallas vs Los AngelesCOL 105 vs 173New York vs Santa ClaritaCOL 187 vs 148Chicago vs Santa ClaritaCOL 114 vs 148Dallas vs Santa ClaritaCOL 105 vs 148

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Frequently Asked Questions

Is Los Angeles or Santa Clarita more expensive?

Los Angeles is 14.5% more expensive than Santa Clarita overall. Los Angeles has a cost of living index of 173 compared to 148 for Santa Clarita (national average = 100). The biggest difference is housing: the median home costs $860,000 in Los Angeles vs $725,000 in Santa Clarita.

How much more does housing cost in Los Angeles vs Santa Clarita?

The median home price in Los Angeles is $860,000, which is $135,000 more than Santa Clarita's median of $725,000. Monthly rent follows a similar pattern: $2,050/month in Los Angeles vs $2,350/month in Santa Clarita, a difference of $300/month or $3,600/year.

What salary do I need in Santa Clarita to match my Los Angeles income?

To maintain the same standard of living, a $76,000 salary in Los Angeles is equivalent to $65,017 in Santa Clarita. This is based on the cost of living index ratio: Los Angeles's COL index of 173 vs Santa Clarita's 148. Conversely, $98,500 in Santa Clarita equals $115,139 in Los Angeles.

Which city has lower taxes, Los Angeles or Santa Clarita?

On a median household income, the combined federal, state, and FICA tax burden is $17,080 (22.5% effective rate) in Los Angeles vs $25,842 (26.2% effective rate) in Santa Clarita. Property taxes on the median home are $6,278/year in Los Angeles (0.7% rate) vs $5,800/year in Santa Clarita (0.8% rate). Sales tax rates are 7.2% in California and 7.2% in California.

What is the median household income in Los Angeles and Santa Clarita?

Los Angeles median household income: $76,000/yr. Santa Clarita median household income: $98,500/yr (Census ACS).

How does rent compare in Los Angeles vs Santa Clarita?

Median monthly rent: $2,050 in Los Angeles vs $2,350 in Santa Clarita. Annualized that is $24,600 vs $28,200.

Which city is better for remote workers, Los Angeles or Santa Clarita?

Santa Clarita offers a lower cost of living (index 148 vs 173), which lets remote-workers keeping a coastal salary stretch further. Los Angeles typically wins on amenities and labor-market depth.

Where does the data on this comparison come from?

Los Angeles and Santa Clarita numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.

How often is this Los Angeles vs Santa Clarita comparison updated?

Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.

Does this comparison replace tax or financial advice?

No. The Los Angeles vs Santa Clarita cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.

Explore More

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Sources & Citations

  1. Zillow Research — ZHVI (home values) & ZORI (observed rent index) — zillow.com/research/data
  2. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — census.gov/acs
  3. Bureau of Economic Analysis — Regional Price Parities by state and MSA — bea.gov/rpp
  4. Tax Foundation — effective state and local tax rates — taxfoundation.org
  5. Freddie Mac PMMS — weekly national average mortgage rates — freddiemac.com/pmms
  6. Internal Revenue Service — federal income tax brackets and standard deduction — irs.gov
  7. U.S. Bureau of Labor Statistics — unemployment and wage statistics — bls.gov
Methodology & Assumptions

Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].

COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.

Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.

Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.

Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.

Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].

Last reviewed is computed from the maximum retrievedAt across every source this page consumes.

City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed 2026-04-19.