Orange, CA vs. San Bernardino, CA: Cost of Living Comparison (2025)
This article provides a cost of living comparison between Orange and San Bernardino, two cities in Southern California. It is perfect for families relocating, professionals choosing between job offers, or anyone comparing the real-life cost of Orange vs San Bernardino in 2025.
1. Housing Costs
Housing is often the biggest factor in cost of living differences. Here’s how typical rent and mortgage costs compare between Orange and San Bernardino:
| Housing Type | Orange | San Bernardino |
|---|---|---|
| 2BR Apartment Rent | $2,400 | $1,600 |
| 3BR Home Mortgage | $3,800 | $2,500 |
🏆 Winner: San Bernardino. Housing costs are significantly lower in San Bernardino compared to Orange. A household moving from Orange to San Bernardino might save $800-1,300 per month on housing alone.
2. Utilities and Energy Costs
Utility costs also factor into monthly budgets. Here are the typical utility bills in each city:
- Orange: $180-220/month
- San Bernardino: $150-200/month
Both cities have relatively mild climates, so heating and cooling costs are moderate year-round. San Bernardino offers some off-peak electricity plans that can help lower bills.
🏆 Winner: San Bernardino has slightly lower utility costs on average.
3. Groceries and Daily Expenses
The cost of groceries, dining out, and everyday goods are fairly comparable between Orange and San Bernardino. Expect to spend around $400-600 per month for a typical family in either city.
Some specific items like produce or gas may be priced a bit lower in San Bernardino. But overall, expenses are similar.
🏆 Winner: Tie. Grocery and daily living costs are nearly equal.
4. Taxes and Fees
California has relatively high income taxes statewide. Property taxes are assessed locally:
- Orange property tax rate: 1.1%
- San Bernardino property tax rate: 1.15%
In Orange, HOA fees often include landscaping and trash, ranging from $200-400/month. San Bernardino has fewer HOAs and lower fees, around $100-250/month.
🏆 Winner: Orange has a slightly lower property tax rate, but San Bernardino’s lower HOA fees give it the edge overall.
5. Cost of Living Summary
| Category | Orange | San Bernardino |
|---|---|---|
| Housing | $2,400 – $3,800 | $1,600 – $2,500 |
| Utilities | $180 – $220 | $150 – $200 |
| Groceries | $400 – $600 | $400 – $600 |
| Transportation | $60 – $100 | $50 – $80 |
| Taxes | 1.1% property tax | 1.15% property tax |
| Misc Fees | $200 – $400 HOA | $100 – $250 HOA |
| Estimated Monthly Total | $3,240 – $5,220 | $2,300 – $3,630 |
The estimated monthly costs are based on gross monthly income (pre-tax). San Bernardino comes out ahead, with notably lower housing and utility expenses.
6. Lifestyle Fit
Cost is just one factor when choosing where to live. Consider these lifestyle differences:
- Orange offers more walkable neighborhoods and upscale amenities
- San Bernardino has a lower cost of living but longer commutes to major job centers
- San Bernardino averages 5°F hotter than Orange in the summer months.
- Orange homes are typically newer and 20% larger than those in San Bernardino.
7. Frequently Asked Questions
- Is San Bernardino more affordable than Orange? Yes, San Bernardino has a lower cost of living, primarily due to cheaper housing.
- Which city has lower rent? San Bernardino rental prices are around 30% lower than comparable apartments in Orange.
- Where is it cheaper to buy a home? San Bernardino has lower home prices and slightly lower property taxes, making it more affordable for buyers.
8. Conclusion
San Bernardino offers a lower overall cost of living compared to Orange, primarily due to more affordable housing. However, Orange’s higher housing costs come with benefits like newer homes, more amenities, and shorter commutes.
Families looking to stretch their budget will find better value in San Bernardino. Professionals who prefer an upgraded lifestyle and don’t mind paying more may prefer Orange.
Ultimately, the choice depends on your household finances, preferences, and priorities. Be sure to check out our other cost of living resources for Orange and monthly budget examples to help with your decision. With the right planning, you can find the ideal balance of cost and lifestyle in your new California home.