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Maricopa County, AZ vs San Bernardino County, CA: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

Maricopa County, AZ is cheaper than San Bernardino County, CA.

Moving to San Bernardino County, CA is estimated to cost $8,196 more per year.

Cheaper County

Maricopa County, AZSpend $8,196 more per year.

Salary needed

$50,000 in Maricopa County, AZ is about $57,130 in San Bernardino County, CA.

Biggest drivers

Taxes increases by $3,423 per year. Food saves $208 per year.

Housing: $2,213 higher in San Bernardino County, CA

Taxes: $3,423 higher in San Bernardino County, CA

Childcare: about the same in both counties

Healthcare: $516 higher in San Bernardino County, CA

Food: $208 lower in San Bernardino County, CA

Transport: $1,630 higher in San Bernardino County, CA

Maricopa County, AZ→San Bernardino County, CA

Equivalent salary in San Bernardino County, CA

$57,130

+14.26% higher

Current salary: $50,000

Household: 1 adult · 0 children

Median Income in Maricopa County, AZ: $100,929

Median Income in San Bernardino County, CA: $89,923

Living Index in Maricopa County, AZ 56.93%

Living Index in San Bernardino County, CA 73.01%

This estimate matches your purchasing power (equivalent salary) when moving from Maricopa County, AZ to San Bernardino County, CA.

* Living index is estimated as (estimated total cost / area median income) * 100. A living index above 100% means modeled costs exceed median income.

Cost of Living Breakdown by Category

Summary

Moving from Maricopa County, AZ to San Bernardino County, CA is estimated to cost $8,196 more per year. To maintain similar purchasing power, a $50,000 salary in Maricopa County, AZ would need to be about $57,130 in San Bernardino County, CA. The biggest increase is taxes, followed by housing.

This is a 14.26% increase in modeled annual costs. Taxes is $3,423 per year higher (31.46%); Housing is $2,213 per year higher (11.98%).

Below we break down the annual categories behind the difference using Economic Policy Institute 2026 Family Budget data.

What changed the most?

The following cards show the annual category differences that most affect the move to San Bernardino County, CA.

Biggest Cost

Largest annual cost increase when moving to San Bernardino County, CA

Annual Increase:

$3,423 per year

TAXES has the largest annual increase when moving to San Bernardino County, CA.

Biggest Savings

Largest annual savings when moving to San Bernardino County, CA

Annual Savings:

$208 per year

FOOD has the largest annual savings when moving to San Bernardino County, CA.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	11.98% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $18475.00 $20688.00 INFO: Housing costs are based on Department of Housing and Urban Development data. The estimate uses 40th percentile rent for privately owned rental units in each area. Studio apartments are paired with one-adult households, one-bedroom apartments with two-adult households, and two-bedroom apartments with households that have children.
Food	-5.04% lower
Maricopa County, AZ San Bernardino County, CA Average Cost $4131.00 $3923.00 INFO: Food costs are based on the U.S. Department of Agriculture's food plans. Numbers are normalized to each area using Feeding America and Meal Gap data. This estimate assumes most food is bought at local grocery stores and prepared at home.
Transport	13.44% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $12126.00 $13756.00 INFO: Transportation costs are a combination of auto ownership, auto use, and public transit. Data is collected from the Center for Neighborhood Technology (CNT).
Healthcare	10.69% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $4826.00 $5342.00 INFO: Healthcare expenses come from average insurance premiums and out-of-pocket costs. The estimate assumes families purchase the lowest-cost available insurance plan under the Affordable Care Act. Data comes from Kaiser Family Foundation and the U.S. Department of Health and Human Services (HHS).
Other Costs	8.88% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $7018.00 $7641.00 INFO: This cost is calculated through the average spending of categories deemed necessary by the Bureau of Labor Statistics Consumer Expenditure Survey. These include apparel, personal care, household supplies, reading materials, and school supplies.
Childcare	0.00% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $0.00 $0.00 INFO: Childcare expenses are based on combined costs for center-based care and family-based care for 4-year-olds and school-aged children. For households with one child, the estimate assumes the child is 4 years old. For households with two children, the estimate assumes the second child is 8 years old.
Taxes	31.46% higher
Maricopa County, AZ San Bernardino County, CA Average Cost $10881.00 $14304.00 INFO: Taxes are calculated from the National Bureau of Economic Research. The number weighs in personal income tax, state income tax, federal Social Security, and Medicare taxes.

In San Bernardino County, CA, modeled annual costs are $65,654 compared with $57,458 in Maricopa County, AZ.

Overall, annual costs are higher in San Bernardino County, CA. The category breakdown above shows whether housing, taxes, transportation, healthcare, food, childcare, or other necessities are driving the increase.

In this case San Bernardino County, CA and Maricopa County, AZ are both metropolitan locations.

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