CostIndexUSA

Pensacola, FL vs San Bernardino, CA Cost of Living

Data: BEA Regional Price Parities · Census ACS · 2024

More AffordableFL
Pensacola
97.7
overall index
$1,700/mo rent
CA
San Bernardino
106.4
overall index
$2,475/mo rent

Pensacola is moderately cheaper than San Bernardino — 8.9% lower overall cost of living.

To match an $80,000 salary in Pensacola, you would need $87,100 in San Bernardino. Calculate your salary ↓

Category Breakdown

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

🏠 Housing+30.9%
Pensacola
98.8
San Bernardino
129.3
🛒 Groceries+5.4%
Pensacola
96.2
San Bernardino
101.4
🚗 Transportation+2.4%
Pensacola
103.8
San Bernardino
106.3
🏥 Healthcare+2.4%
Pensacola
93.9
San Bernardino
96.2
Utilities+67.9%
Pensacola
88.5
San Bernardino
148.6

Salary Equivalency Calculator

Enter your current salary in Pensacola to see what you'd need to earn in San Bernardino to maintain the same purchasing power.

$
Equivalent salary in San Bernardino, CA
$87,100
$7,100 more needed in San Bernardino

Formula: salary × (106.4 ÷ 97.7) = salary × 1.0890. Based on BEA Regional Price Parities.

Housing Market

Pensacola, FL

Median Home Price
$300,000
Median Monthly Rent
$1,700
Housing Index
98.8
Price-to-Rent Ratio
14.7×

San Bernardino, CA

Median Home Price
$576,000
Median Monthly Rent
$2,475
Housing Index
129.3
Price-to-Rent Ratio
19.4×

San Bernardino has 30.9% higher housing costs compared to Pensacola.

Income & Job Market

Pensacola, FL

Median Household Income
$78,300
Per Capita Income
$44,600
Unemployment Rate
4.5%
Population
53,831
Top Industries
MilitaryHealthcareTourismManufacturingRetail

San Bernardino, CA

Median Household Income
$87,800
Per Capita Income
$50,000
Unemployment Rate
5.6%
Population
222,101
Top Industries
HealthcareLogisticsGovernmentRetailManufacturing

Affordability at a Glance

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

Pensacola, FL
3.8×income-to-rent ratio

74% of income left after rent (median)

San Bernardino, CA
3.0×income-to-rent ratio

66% 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.