Can I change the salary and family type?

Yes. The comparison calculator supports salary and family type inputs so you can model costs for different households.

Does WatchPennies require an account for comparisons?

No. County comparisons are available without creating an account.

San Bernardino County, CA vs Santa Clara County, CA: Cost of Living Difference

Name: WatchPennies cost of living dataset
Creator: WatchPennies

Is it cheaper?

San Bernardino County, CA is cheaper than Santa Clara County, CA.

Moving to Santa Clara County, CA is estimated to cost $25,705 more per year.

Cheaper County

San Bernardino County, CASpend $25,705 more per year.

Salary needed

$50,000 in San Bernardino County, CA is about $69,575 in Santa Clara County, CA.

Biggest drivers

Housing increases by $10,608 per year. Transport saves $90 per year.

Housing: $10,608 higher in Santa Clara County, CA

Taxes: $9,821 higher in Santa Clara County, CA

Childcare: about the same in both counties

Healthcare: $696 higher in Santa Clara County, CA

Food: $1,050 higher in Santa Clara County, CA

Transport: $90 lower in Santa Clara County, CA

San Bernardino County, CA→Santa Clara County, CA

Equivalent salary in Santa Clara County, CA

$69,575

+39.15% higher

Current salary: $50,000

Household: 1 adult · 0 children

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

Median Income in Santa Clara County, CA: $182,053

Living Index in San Bernardino County, CA 73.01%

Living Index in Santa Clara County, CA 50.18%

This estimate matches your purchasing power (equivalent salary) when moving from San Bernardino County, CA to Santa Clara 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 San Bernardino County, CA to Santa Clara County, CA is estimated to cost $25,705 more per year. To maintain similar purchasing power, a $50,000 salary in San Bernardino County, CA would need to be about $69,575 in Santa Clara County, CA. The biggest increase is housing, followed by taxes.

This is a 39.15% increase in modeled annual costs. Housing is $10,608 per year higher (51.28%); Taxes is $9,821 per year higher (68.66%).

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 Santa Clara County, CA.

Biggest Cost

Largest annual cost increase when moving to Santa Clara County, CA

Annual Increase:

$10,608 per year

HOUSING has the largest annual increase when moving to Santa Clara County, CA.

Biggest Savings

Largest annual savings when moving to Santa Clara County, CA

Annual Savings:

$90 per year

TRANSPORT has the largest annual savings when moving to Santa Clara County, CA.

Breakdown of price percentages per category.

Numbers are average costs per section.

Category	Difference
Housing	51.28% higher
San Bernardino County, CA Santa Clara County, CA Average Cost $20688.00 $31296.00 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	26.77% higher
San Bernardino County, CA Santa Clara County, CA Average Cost $3923.00 $4973.00 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	-0.65% lower
San Bernardino County, CA Santa Clara County, CA Average Cost $13756.00 $13666.00 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	13.03% higher
San Bernardino County, CA Santa Clara County, CA Average Cost $5342.00 $6038.00 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	47.38% higher
San Bernardino County, CA Santa Clara County, CA Average Cost $7641.00 $11261.00 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
San Bernardino County, CA Santa Clara 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	68.66% higher
San Bernardino County, CA Santa Clara County, CA Average Cost $14304.00 $24125.00 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 Santa Clara County, CA, modeled annual costs are $91,359 compared with $65,654 in San Bernardino County, CA.

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

In this case Santa Clara County, CA and San Bernardino County, CA are both metropolitan locations.

Use our map to visually compare multiple counties at once.

Use the Cost of Living Map