Ontario, CA vs. Murrieta, CA: Cost of Living Comparison (2025)
This article provides a cost of living comparison: Ontario vs Murrieta. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Ontario vs Murrieta in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how Ontario and Murrieta compare for typical housing options:
| Housing Type | Ontario | Murrieta |
|---|---|---|
| 2BR Apartment Rent | $2,100 | $2,400 |
| 3BR Home Mortgage | $2,800 | $3,200 |
🏆 Winner: Ontario has lower housing costs across the board, with savings of $300-400 per month compared to Murrieta.
2. Utilities and Energy Costs
Utility bills are a major monthly expense. In Ontario, expect to pay around $180 per month for a typical apartment. Costs rise about 20% in the summer with air conditioning. Murrieta utility bills average $210 monthly, spiking even higher in the hot summer months.
🏆 Winner: Ontario has lower utility costs, especially with more moderate temperatures requiring less A/C than Murrieta.
3. Groceries and Daily Expenses
For a typical family, groceries in Ontario cost around $800-1000 per month. Prices are similar in Murrieta, though some items like fresh produce can cost 10-15% more. Eating out is slightly pricier in Murrieta as well.
🏆 Winner: Ontario takes the edge for everyday expenses and grocery bills.
4. Taxes and Fees
California taxes are relatively high statewide, but there are some local differences:
- Ontario property tax rate: 1.15%
- Murrieta property tax rate: 1.25%
- Ontario sales tax: 7.75%
- Murrieta sales tax: 8.75%
In Ontario, HOA fees often include landscaping and trash, ranging from $200-400. Murrieta HOA fees are higher at $250-500.
🏆 Winner: Ontario has an edge with slightly lower property taxes and HOA fees.
5. Cost Summary Table
| Category | Ontario | Murrieta |
|---|---|---|
| Housing | $2,100 – $2,800 | $2,400 – $3,200 |
| Utilities | $180 | $210 |
| Groceries | $800 – $1,000 | $880 – $1,100 |
| Transportation | $60 monthly pass | $72 monthly pass |
| Taxes | 7.75% sales tax 1.15% property tax |
8.75% sales tax 1.25% property tax |
| Misc Fees | $200 – $400 HOA | $250 – $500 HOA |
| Estimated Monthly Total | $3,400 – $4,500 | $3,800 – $5,100 |
Note: Monthly totals are based on a gross monthly income (pre-tax) for a typical household.
6. Lifestyle Fit
Cost is just one factor in choosing between Ontario and Murrieta. Consider these lifestyle differences:
- Ontario offers more urban amenities and a shorter commute to LA/OC
- Murrieta has more space, less noise, and a slower pace of life
- Murrieta averages 5°F hotter than Ontario in the summer
- Ontario has more public transportation options than Murrieta
7. FAQ
Is Ontario more affordable than Murrieta?
Yes, Ontario is cheaper than Murrieta in most major expense categories like housing, utilities, and taxes. Expect to save $400+ per month living in Ontario.
Which city has lower rent?
Ontario has lower rental prices, with a typical 2BR apartment costing $300 less per month than in Murrieta.
Where is it cheaper to buy a home?
Ontario has lower home prices and property taxes, making it more affordable for buyers. Mortgage payments are $400+ cheaper per month in Ontario vs. Murrieta.
8. Conclusion
While both cities have a lot to offer, Ontario comes out ahead in this cost of living comparison. Families can save on major expenses like housing and utilities while still enjoying great amenities and a convenient location.
However, Murrieta may still be worth the premium for those who prefer more space, less bustle, and a quieter lifestyle. It’s a great choice for families who value larger yards and a suburban feel.
Considering a move to Ontario? Check out these other helpful resources: