CostIndexUSA

Amarillo, TX vs Santa Cruz, CA Cost of Living

Data: BEA Regional Price Parities · Census ACS · 2024

More AffordableTX
Amarillo
91.8
overall index
$1,225/mo rent
CA
Santa Cruz
109.9
overall index
$3,425/mo rent

Amarillo is significantly cheaper than Santa Cruz — 19.7% lower overall cost of living.

To match an $80,000 salary in Amarillo, you would need $95,800 in Santa Cruz. Calculate your salary ↓

Category Breakdown

Index values: 100 = U.S. national average. Higher = more expensive.

🏠 Housing+109.6%
Amarillo
78.4
Santa Cruz
164.3
🛒 Groceries+12.2%
Amarillo
93.8
Santa Cruz
105.2
🚗 Transportation+4.2%
Amarillo
101.1
Santa Cruz
105.3
🏥 Healthcare+4.3%
Amarillo
91.4
Santa Cruz
95.3
Utilities+82.9%
Amarillo
83.5
Santa Cruz
152.7

Salary Equivalency Calculator

Enter your current salary in Amarillo to see what you'd need to earn in Santa Cruz to maintain the same purchasing power.

$
Equivalent salary in Santa Cruz, CA
$95,800
$15,800 more needed in Santa Cruz

Formula: salary × (109.9 ÷ 91.8) = salary × 1.1972. Based on BEA Regional Price Parities.

Housing Market

Amarillo, TX

Median Home Price
$211,000
Median Monthly Rent
$1,225
Housing Index
78.4
Price-to-Rent Ratio
14.4×

Santa Cruz, CA

Median Home Price
$1,091,000
Median Monthly Rent
$3,425
Housing Index
164.3
Price-to-Rent Ratio
26.5×

Santa Cruz has 109.6% higher housing costs compared to Amarillo.

Income & Job Market

Amarillo, TX

Median Household Income
$64,000
Per Capita Income
$36,500
Unemployment Rate
2.9%
Population
200,393
Top Industries
AgricultureEnergyHealthcareManufacturingRetail

Santa Cruz, CA

Median Household Income
$105,600
Per Capita Income
$60,200
Unemployment Rate
5.8%
Population
64,725
Top Industries
EducationTechnologyTourismAgricultureHealthcare

Affordability at a Glance

Income-to-rent ratio: higher is better (more income relative to housing costs).

Amarillo, TX
4.4×income-to-rent ratio

77% of income left after rent (median)

Santa Cruz, CA
2.6×income-to-rent ratio

61% of income left after rent (median)

Data Sources: Bureau of Economic Analysis (BEA) Regional Price Parities 2024; U.S. Census Bureau American Community Survey (ACS); Bureau of Labor Statistics (BLS) Local Area Unemployment Statistics; Zillow Research.

Cost indices use 100 as the U.S. national average. Values above 100 indicate costs above the national average. Data is updated annually.

This data is for informational purposes only and should not be used as the sole basis for relocation or financial decisions.