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

Irving

Texas
102
VS

San Bernardino

California
109

Irving is 6% cheaper than San Bernardino.

$1,517/mo ↑ 6%
Median Rent
$1,433/mo ↓ 6%
$79,641/yr ↑ 24%
Median Income
$63,988/yr ↓ 20%
$287,300 ↓ 25%
Home Value
$384,900 ↑ 34%
$1,521/mo ↑ 3%
Owner Costs
$1,478/mo ↓ 3%
255,036
Population
221,774

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
26.9%
rent-to-income

Detailed Comparison

When comparing Irving, TX and San Bernardino, CA, the overall cost of living indices are 102 and 109 respectively (national median = 100). Rent is $84/month cheaper in San Bernardino, saving renters about $1,008/year.

Median household income is $15,653/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $384,900 in San Bernardino.

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

Frequently Asked Questions

Irving vs San Bernardino — common questions

Is Irving or San Bernardino cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 109 (US average = 100).
What is the rent difference between Irving and San Bernardino?
Median rent in Irving is $1,517/month and in San Bernardino it's $1,433/month — a difference of $84/month.
Which city has higher income, Irving or San Bernardino?
Median household income is $79,641 in Irving and $63,988 in San Bernardino. Median household income is $15,653/year higher in Irving.
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 San Bernardino?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while San Bernardino has a cost index of 109 with rent of $1,433/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View San Bernardino details →

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