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

Irving

Texas
102
VS

Ontario

California
152

Irving is 33% cheaper than Ontario.

$1,517/mo ↓ 21%
Median Rent
$1,916/mo ↑ 26%
$79,641/yr ↓ 4%
Median Income
$82,806/yr ↑ 4%
$287,300 ↓ 49%
Home Value
$568,000 ↑ 98%
$1,521/mo ↓ 23%
Owner Costs
$1,967/mo ↑ 29%
255,036
Population
178,347

Tax Comparison

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

Affordability

22.9%
rent-to-income
Affordability
27.8%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Ontario, CA, the overall cost of living indices are 102 and 152 respectively (national median = 100). Rent is $399/month cheaper in Irving, saving renters about $4,788/year.

Median household income is $3,165/year higher in Ontario. Home values also differ significantly — the median in Irving is $287,300 compared to $568,000 in Ontario.

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

Frequently Asked Questions

Irving vs Ontario — common questions

Is Irving or Ontario cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 152 (US average = 100).
What is the rent difference between Irving and Ontario?
Median rent in Irving is $1,517/month and in Ontario it's $1,916/month — a difference of $399/month.
Which city has higher income, Irving or Ontario?
Median household income is $79,641 in Irving and $82,806 in Ontario. Median household income is $3,165/year higher in Ontario.
How do taxes compare between Texas and California?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Irving or Ontario?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Ontario has a cost index of 152 with rent of $1,916/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Ontario details →

More Comparisons

Other cost of living comparisons for Irving and Ontario

Irving vs. Laredo Irving vs. Chesapeake Irving vs. St. Petersburg Irving vs. Winston-Salem Irving vs. Lubbock Irving vs. Glendale Ontario vs. Aurora Ontario vs. Eugene Ontario vs. Chattanooga Ontario vs. Elk Grove Ontario vs. Fort Lauderdale Ontario vs. Santa Rosa