Cost of Living: Riverside vs Santa Fe (2026)
Santa Fe has a 18% lower overall cost of living than Riverside as of Q1 2026. A one-bedroom apartment runs $1,550/mo in Santa Fe vs $1,750/mo in Riverside — a 13% difference. Santa Fe has a lower state income tax rate (4.9% vs 9.3%), which adds up over time.
- Santa Fe is 18% cheaper overall (COL index: 117 vs 99)
- 1BR rent: $1,550/mo in Santa Fe vs $1,750/mo — 11% savings
- Higher median household income: Riverside ($70,000/yr vs $58,000/yr)
- Median home price: $480,000 in Santa Fe vs $520,000 — 8% difference
| Category | Riverside California | Santa Fe New Mexico |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,400 | $1,200Best |
| 1BR rent/mo | $1,750 | $1,550Best |
| 2BR rent/mo | $2,350 | $2,050Best |
| Median home price | $520K | $480KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 104 | 99Best |
| Budget meal (1 person) | $15 | $13Best |
| Mid-range dinner (2) | $62 | $58Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $72 | $40Best |
| Gas price/gal | $4.50 | $3.15Best |
| Car insurance/mo | $172 | $142Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $148Best | $158 |
| Internet/mo | $68 | $65Best |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $70KBest | $58K |
| State income tax% | 9.3% | 4.9%Best |
| Sales tax (combined)% | 8.7% | 7.7%Best |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $16.00 | $15.00Best |
| Gym membership/mo | $45 | $38Best |
| Beer at restaurant | $7.00 | $6.50Best |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 117 | 99Best |
| Walk score / 100 | 34 | 42Best |
Frequently asked questions
Is Riverside cheaper than Santa Fe?
No. Santa Fe is 18% cheaper than Riverside based on overall cost of living indices (99 vs 117, where 100 = US average).
What is the average rent in Riverside vs Santa Fe?
As of Q1 2026, the median 1-bedroom rent in Riverside is $1,750/month and in Santa Fe is $1,550/month. Riverside is more expensive by 13%.
How much do I need to earn in Santa Fe to match a $75,000 salary in Riverside?
To maintain a similar lifestyle, you would need approximately $63,462/year in Santa Fe to match a $75,000 salary in Riverside. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Riverside or Santa Fe?
Santa Fe has the lower state income tax rate at 4.9% vs 9.3%. The difference is 4.4 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Riverside to Santa Fe?
It depends on your priorities. Santa Fe offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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