Residential comparison · 13 facts
Monterey, CA vs Santa Cruz, CA
Compare the housing, tax, cost, income, safety, school, and climate facts that are available for both places. The table shows the numbers without declaring one city universally better.
A household earning $85,000 in Monterey needs about $84,500 in Santa Cruz to keep the same lifestyle.
Coming from Santa Cruz, $85,000 of lifestyle costs about $85,500 in Monterey.
A few differences
- Santa Cruz is higher on median household income ($115,475 vs $102,846).
- Monterey is lower on cost of living index (162 vs 174).
- Monterey is lower on 2-bedroom rent ($2,424/mo vs $2,758/mo).
Monterey vs Santa Cruz · facet by facet
| Facet | Monterey, CA | Santa Cruz, CA |
|---|---|---|
| Median home price | $1,076,300 | $1,209,000 |
| 2-bedroom rent | $2,424/mo | $2,758/mo |
| Property tax rate | 0.75% | 0.75% |
| State & local income tax | 2.09% | 2.09% |
| Sales tax | 8.8% | 8.8% |
| Cost of living index | 162 | 174 |
| Groceries index | 112 | 112 |
| Utilities | $245/mo | $245/mo |
| Median household income | $102,846 | $115,475 |
| Unemployment rate | 5.2% | 5.2% |
| Crime index | 52/100 | 52/100 |
| School rating | 5.5/10 | 5.5/10 |
| Sunny days / year | 260 days | 260 days |
Data: Census ACS 2024 · BLS · Tax Foundation 2024 brackets · HUD/Zillow · NOAA 1991–2020 · FEMA NRI · Values are shown as reported; no universal winner is implied.
Full profiles: Monterey, CA · Santa Cruz, CA
Questions & answers
- Is Monterey cheaper than Santa Cruz?
- Monterey has the lower day-to-day cost index (162 vs 174 against a national 100). The other differences are shown facet by facet in the table.
- What household income in Santa Cruz equals $85,000 in Monterey?
- A household earning $85,000 in Monterey needs about $84,500 in Santa Cruz to keep the same lifestyle; coming the other way, $85,000 of Santa Cruz lifestyle costs about $85,500 in Monterey.