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

Plano

Texas
132
VS

Ontario

California
152

Plano is 13% cheaper than Ontario.

$1,792/mo ↓ 6%
Median Rent
$1,916/mo ↑ 7%
$108,649/yr ↑ 31%
Median Income
$82,806/yr ↓ 24%
$440,600 ↓ 22%
Home Value
$568,000 ↑ 29%
$1,829/mo ↓ 7%
Owner Costs
$1,967/mo ↑ 8%
287,339
Population
178,347

Tax Comparison

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

Affordability

19.8%
rent-to-income
Affordability
27.8%
rent-to-income

Detailed Comparison

When comparing Plano, TX and Ontario, CA, the overall cost of living indices are 132 and 152 respectively (national median = 100). Rent is $124/month cheaper in Plano, saving renters about $1,488/year.

Median household income is $25,843/year higher in Plano. Home values also differ significantly — the median in Plano is $440,600 compared to $568,000 in Ontario.

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

Frequently Asked Questions

Plano vs Ontario — common questions

Is Plano or Ontario cheaper to live in?
Based on our cost index, Plano is cheaper to live in with an index of 132 compared to 152 (US average = 100).
What is the rent difference between Plano and Ontario?
Median rent in Plano is $1,792/month and in Ontario it's $1,916/month — a difference of $124/month.
Which city has higher income, Plano or Ontario?
Median household income is $108,649 in Plano and $82,806 in Ontario. Median household income is $25,843/year higher in Plano.
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 Plano or Ontario?
It depends on your priorities. Plano has a cost index of 132 with median rent of $1,792/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 Plano details → View Ontario details →

More Comparisons

Other cost of living comparisons for Plano and Ontario

Plano vs. Durham Plano vs. Chandler Plano vs. Anchorage Plano vs. Buffalo Plano vs. Jersey City Plano vs. Madison Ontario vs. Aurora Ontario vs. Eugene Ontario vs. Chattanooga Ontario vs. Elk Grove Ontario vs. Fort Lauderdale Ontario vs. Santa Rosa