Moving from San Jose to Sacramento
Your paycheck buys slightly more in Sacramento than in San Jose (+3.5%). Compare taxes, rent, home prices and the cost of the move.
Equal salary in Sacramento: $158,600
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $158,600 in Sacramento, CA to match $165,000 in San Jose, CA ($6,400 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in California, so state income tax is the same; neither city levies a resident income tax.
Prices and housing cover the metro area; taxes use California, its principal state. A metro can span several states; living in its other state can change the tax result.
San Jose vs Sacramento: key facts
- Median rent
- $2,827 → $1,904/mo
- Median home value
- $1,528,500 → $605,500
- Median household income
- $164,801 → $98,775
- Price level (U.S. = 100)
- 110.4 → 106.7
- FEMA county-score mean
- Very high county-score mean (99.3 → 96.1 of 100)
San Jose vs Sacramento cost of living
The vertical line marks the U.S. average (100).
| Measure | San Jose, CA | Sacramento, CA |
|---|---|---|
| Overall price level (U.S. = 100) | 110.4 | 106.7 |
| Median rent | $2,827 | $1,904 |
| Income to rent affordably (30%) | $113,080 | $76,160 |
| Median home value | $1,528,500 | $605,500 |
| Monthly cost to own (20% down) | $9,289+ | $3,807 |
| Income needed to buy | $398,119+ | $163,147 |
| Median property tax | $10,000+ | $4,594 |
| State income tax on $165,000 | $10,956 | $10,956 |
| Metro population | 1,995,484 | 2,463,127 |
Metro-area figures (Census ACS 2024, BEA 2024). The fixed tax rows above use an illustrative single-earner salary of $165,000, rounded from San Jose's median household income. Household income can include multiple earners; it is not a typical individual wage. Taxes use each metro's principal state. The Census reports San Jose's median property tax only as "$10,000+", so its cost to own and income needed are minimums.
Your yearly budget: San Jose vs Sacramento
This fixed budget example uses $165,000, single filing and residence inside the principal city tax areas. It does not change with the calculator above.
On a $165,000 salary, taxes, gross rent including basic utilities, one car and health insurance for one adult come to $98,901 a year in San Jose and $87,825 in Sacramento if you rent: $11,076 less after the move. If you buy the median home, those selected costs use mortgage, property tax, homeowners insurance and electricity instead of gross rent; they come to at least $178,307 and $112,515 (at least $65,792 less).
Your yearly budget, before vs after
| Yearly cost | San JoseBefore | SacramentoAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $165,000, single filer | $54,057 | $54,057 | $0 |
| Car insurance one car, state average | $1,225 | $1,225 | $0 |
| Gas 12,000 miles at 25 mpg | $2,855 | $2,855 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $6,840 | $6,840 | $0 |
| If you rent | |||
| Rent and basic utilities ACS median gross rent, 12 months | $33,924 | $22,848 | -$11,076 |
| Total if you rent | $98,901 | $87,825 | -$11,076 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 7.24% | $100,000 | $39,614 | -$60,386 |
| Property tax median home | $10,000+ | $4,594 | at least $5,406 less |
| Homeowners insurance state median, with a mortgage | $1,473 | $1,473 | $0 |
| Electricity state average bill | $1,857 | $1,857 | $0 |
| Total if you buy | $178,307+ | $112,515 | at least $65,792 less |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Gross rent includes tenant-paid electricity, gas, water/sewer and fuels; those basic utilities are not added again. Mortgage: Freddie Mac 30-year average (7.24%, week of October 29, 2026).
State figures for the principal state: EIA 2025 average residential power bill (buyers only), NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on October 29, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
The Census reports San Jose's median property tax only as "$10,000+", so its property tax and total if you buy, and the changes in those rows, are minimums.
Child care is not in the totals. Full-time center care for one infant averages $23,071 a year in San Jose and $23,071 in Sacramento (Child Care Aware of America, 2025 (2024 fallback for Colorado, Washington, DC and South Carolina) state averages).
Who moves from San Jose to Sacramento
About 2,659 households (4,940 people) moved from the San Jose metro area to the Sacramento metro area in 2022–2023, making Sacramento the #3 destination for people leaving San Jose among the 149 metro areas we cover. 1,437 households moved the other way. Their average adjusted gross income was $134,078.
Cost to move from San Jose to Sacramento
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 110 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: San Jose vs Sacramento
RelocateMath's population-weighted means of FEMA county risk scores are 99.3 for the San Jose area and 96.1 for the Sacramento area, on the county-score scale of 0–100. These means are not official FEMA metro ratings or national metro percentiles. Modeled expected yearly losses from natural hazards average $1,023 vs $315 per resident; individual properties can differ.
The vertical line marks county-score scale midpoint (50).
The vertical line marks county-score scale midpoint (50).
Frequently asked questions
Is Sacramento cheaper than San Jose?
Overall prices in the Sacramento area are 3.4% lower than in San Jose (BEA Regional Price Parities 2024). Median rent is $1,904 vs $2,827 a month, and the median home is $605,500 vs $1,528,500.
What salary do I need in Sacramento to match $100,000 in San Jose?
About $95,900 in a fixed single-filer W-2 example assuming residence inside both principal cities. It accounts for 2026 federal and principal-state taxes, modeled resident local taxes where applicable, and metro prices. Both are in California, so state income tax is the same. This illustration stays fixed when calculator inputs change.
How much does it cost to move from San Jose to Sacramento?
For a 2–3 bedroom home over about 110 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from San Jose to Sacramento?
IRS county migration data for 2022–2023 show about 2,659 households (4,940 people) moved from the San Jose metro area to the Sacramento metro area, and 1,437 moved the other way.
Related
Where people from San Jose move
- San Jose to San Francisco 15,641 households
- San Jose to Los Angeles 3,302 households
- San Jose to Stockton 2,083 households
- San Jose to New York 1,907 households
- San Jose to Seattle 1,707 households
- San Jose to San Diego 1,609 households
- San Jose to Austin 1,053 households
- Dallas 851 households
State-agency links identify the responsible tax office; they do not verify every modeled rule. Use forms and guidance for the year you are filing.