Cost of Living: Chula Vista, CA vs Irving, TX (2026)

Chula Vista

California
178
VS

Irving

Texas
102

Chula Vista is 75% more expensive than Irving.

$2,122/mo ↑ 40%
Median Rent
$1,517/mo ↓ 29%
$105,173/yr ↑ 32%
Median Income
$79,641/yr ↓ 24%
$697,400 ↑ 143%
Home Value
$287,300 ↓ 59%
$2,342/mo ↑ 54%
Owner Costs
$1,521/mo ↓ 35%
275,030
Population
255,036

Tax Comparison

13.3%
Income Tax
0%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
1.6%

Affordability

24.2%
rent-to-income
Affordability
22.9%
rent-to-income

Detailed Comparison

When comparing Chula Vista, CA and Irving, TX, the overall cost of living indices are 178 and 102 respectively (national median = 100). Rent is $605/month cheaper in Irving, saving renters about $7,260/year.

Median household income is $25,532/year higher in Chula Vista. Home values also differ significantly — the median in Chula Vista is $697,400 compared to $287,300 in Irving.

Texas has no state income tax, giving Irving residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Chula Vista vs Irving — common questions

Is Chula Vista or Irving cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 178 (US average = 100).
What is the rent difference between Chula Vista and Irving?
Median rent in Chula Vista is $2,122/month and in Irving it's $1,517/month — a difference of $605/month.
Which city has higher income, Chula Vista or Irving?
Median household income is $105,173 in Chula Vista and $79,641 in Irving. Median household income is $25,532/year higher in Chula Vista.
How do taxes compare between California and Texas?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Chula Vista or Irving?
It depends on your priorities. Chula Vista has a cost index of 178 with median rent of $2,122/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Chula Vista details → View Irving details →

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