Rancho Cucamonga, CA Relocation Guide (2026)
Cost of living, housing, and income data for Rancho Cucamonga, sourced from the US Census Bureau.
Salary needed to live in Rancho Cucamonga →
Source: US Census Bureau ACS 5-Year (2022). Last updated July 2026.
Population in Rancho Cucamonga, California runs approximately 174,696. Median household income sits at $105,534, landing above the benchmark median we track across cities (+46%).
For renters and buyers alike, Rancho Cucamonga offers a median home value of $657,400 (above the tracked median, +101%) and median rent of $2,184 monthly. Local property taxes and current mortgage rates will shape the real cost of buying.
Home values running about 6.2× median income put Rancho Cucamonga on the stretched end of the affordability spectrum among cities we cover. Year-over-year, home values around Rancho Cucamonga are up 1.23%, a pace in line with a healthy, unremarkable market. Rancho Cucamonga carries a Very High hazard rating from FEMA — elevated risk that's typically reflected in higher insurance premiums.
Personal Affordability Check
Renting at $2,184/mo in Rancho Cucamonga would take 24.8% of your income.
$454/mo under the 30% guideline.
Buying the median home ($657,400) would take 39.9% of your income toward principal & interest.
$1,047/mo over the 28% guideline.
Cost of housing in Rancho Cucamonga
Median home value is $657,400 and median gross rent is $2,184/month. For buyers, monthly costs depend heavily on current mortgage rates — worth checking before you commit.
FHFA's county-level home price index for San Bernardino rose 1.23% over the past year (as of 2025).
HUD's FY 2026 Fair Market Rent for a 2-bedroom unit in the surrounding county is $2,201/month.
Climate & home insurance
FEMA rates Rancho Cucamonga's overall natural-hazard risk as Very High. Risk level is a major driver of home insurance premiums.
Safety
Rancho Cucamonga reported a violent crime rate of 233.1 per 100,000 residents in 2025, per FBI data.
Moving to Rancho Cucamonga
Planning a move to Rancho Cucamonga? Compare licensed movers and get quotes based on your origin and move date.
Frequently asked questions
- What is the cost of living in Rancho Cucamonga, CA?
- Rancho Cucamonga's key cost-of-living figures: $657,400 median home value, $2,184 median monthly rent, and $105,534 median household income, per the US Census Bureau ACS 5-Year (2022).
- How much do you need to earn to live comfortably in Rancho Cucamonga?
- Rancho Cucamonga's median rent of $2,184/month works out to roughly $87,360 in annual income needed, if you're budgeting the standard 30% of gross pay toward rent. See the full salary breakdown (renting and buying) for Rancho Cucamonga.
- Is it better to rent or buy in Rancho Cucamonga?
- In Rancho Cucamonga, comfortably renting the median unit ($2,184/month) takes about $87,360 in annual income, while buying the median home ($657,400) takes roughly $150,410 a year in principal and interest alone (assumes 20% down, a 30-year fixed loan, and current mortgage rates).
- Is Rancho Cucamonga safe?
- In 2025, Rancho Cucamonga reported 233.1 violent crimes per 100,000 residents, according to FBI data.
See the full salary breakdown for Rancho Cucamonga →
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