Ontario, CA vs. San Bernardino, CA: Cost of Living Comparison (2025)
This article provides a cost of living comparison between Ontario and San Bernardino, two mid-size cities in Southern California’s Inland Empire region. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life costs of Ontario vs San Bernardino in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical housing expenses compare between Ontario and San Bernardino:
| Housing Type | Ontario | San Bernardino |
|---|---|---|
| Median 2BR Apartment Rent | $2,100 | $1,850 |
| Median 3BR Home Price | $550,000 | $480,000 |
🏆 Winner: San Bernardino has a slight edge on housing affordability, with lower median rents and home prices compared to Ontario.
2. Utilities and Energy Costs
Utility bills are another key monthly expense. In the Inland Empire, expect the following typical utility costs:
- Electricity: $120-180/month (higher in summer for A/C)
- Gas: $40-80/month (higher in winter for heating)
- Water/Sewer/Trash: $80-120/month
- Internet: $50-80/month
Both cities offer similar utility rates and programs through Southern California Edison and SoCalGas. Look for off-peak and budget billing plans to keep costs steady.
🏆 Winner: It’s a tie – utility costs are comparable between Ontario and San Bernardino.
3. Groceries and Daily Expenses
For groceries and everyday items, prices are fairly consistent across the region. Expect to spend around $400-600/month per person on groceries, household goods, and basic personal care items in either city.
Restaurant prices are also similar, with an average casual meal out costing $12-18 per person. Fast food combo meals average $8-12.
🏆 Winner: Another tie – grocery and daily living costs are nearly identical between Ontario and San Bernardino.
4. Taxes and Fees
California charges a 7.75% sales tax statewide, with some cities adding a small local surcharge. Property taxes in the Inland Empire typically range from 1.1% to 1.3% of a home’s assessed value annually.
In Ontario, HOA fees often include landscaping and trash, ranging from $200-400/month. San Bernardino has fewer HOAs and lower average dues of $150-300/month.
🏆 Winner: San Bernardino has a slight advantage with lower property taxes and HOA fees on average compared to Ontario.
5. Cost Summary Table
| Category | Ontario | San Bernardino |
|---|---|---|
| Housing (3BR Home) | $2,700 | $2,400 |
| Utilities | $350 | $350 |
| Groceries (2 people) | $800 | $800 |
| Transportation | $500 | $450 |
| Taxes & Fees | $600 | $500 |
| Misc Expenses | $400 | $400 |
| Estimated Monthly Total | $5,350 | $4,900 |
Overall, the cost of living is estimated to be about $450/month cheaper in San Bernardino compared to Ontario for an average household, mainly due to lower housing and tax costs. Of course, individual budgets will vary. For a detailed breakdown, see our Monthly Budget Examples for Ontario Residents.
6. Lifestyle Fit
While San Bernardino may be more affordable overall, Ontario offers some compelling lifestyle advantages:
- Closer proximity to major job centers in LA/OC
- Slightly newer housing stock and infrastructure
- More upscale shopping and dining options
However, San Bernardino boasts its own benefits:
- Lower population density and traffic
- Easier mountain/desert access for recreation
- More historic neighborhoods and architecture
🌡️ Both cities experience hot summers, with Ontario averaging 5°F warmer than San Bernardino.
🚗 San Bernardino has better public transit coverage, while Ontario is more car-dependent.
7. FAQ
Q: Is Ontario more affordable than San Bernardino?
A: No, San Bernardino has a lower overall cost of living, by about $450/month for a typical household.
Q: Which city has lower rent?
A: San Bernardino has slightly lower rental rates, with the median 2BR apartment costing $1,850/month vs $2,100 in Ontario.
Q: Where is it cheaper to buy a home?
A: The median price for a 3BR home is about $70,000 less in San Bernardino compared to Ontario as of 2025.
8. Conclusion
While Ontario and San Bernardino share many similarities, San Bernardino comes out ahead for cost-sensitive households looking to save on housing and taxes. However, Ontario may still be worth the premium for those prioritizing newer homes, upscale amenities, and proximity to coastal job markets.
Ultimately, the best fit depends on your individual budget, lifestyle, and location needs. Be sure to compare your personal cost of living in Ontario or San Bernardino to make an informed choice. You can also check out our other cost of living comparisons for cities across California.