Santa Cruz, CA vs Providence, RI
Moving from Santa Cruz to Providence? Here's what changes — from your equivalent salary to housing ($1,157,157 → $524,867 median home) and taxes.
Santa Cruz vs Providence at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Santa Cruz, CA, you'd need about $90,013 in Providence, RI (−$9,987).
Livability — Santa Cruz, CA: 38 · Providence, RI: 58 (0–100).
What your home budget buys
A $500,000 home budget gets you about 648 sqft in Santa Cruz vs 1,524 sqft in Providence ($771 vs $328 per sqft).
Annual cost breakdown (at $100,000)
| Category | Santa Cruz, CA | Providence, RI | Difference |
|---|---|---|---|
| Housing | $43,188 | $25,956 | −$17,232 |
| Groceries | $5,247 | $4,922 | −$325 |
| Transportation | $5,125 | $3,875 | −$1,250 |
| Utilities | $3,804 | $3,060 | −$744 |
| Insurance | $1,500 | $1,700 | +$200 |
| Taxes | $22,398 | $13,121 | −$9,277 |
| Total | $81,262 | $52,634 | −$28,628 |
Side by side
| Metric | Santa Cruz, CA | Providence, RI |
|---|---|---|
| Cost-of-living index | 112.8 | 101.5 |
| Unemployment rate | 5.94% | 5.82% |
| Population growth (5-yr) | -1.7% | 3.6% |
| Air quality (median AQI) | 39 | 42 |
| Big Mac price (est.) | $6.42 | $5.78 |
| Median home price | $1,157,157 | $524,867 |
| Home price ÷ income | 11.1× | 6.5× |
| 1-yr home appreciation | 2.9% | 3.1% |
| Price per square foot | $771 | $328 |
| Median rent | $3,599 | $2,163 |
| Total tax burden (% income) | 13.5% | 11.4% |
| Combined sales tax | 8.82% | 7.00% |
| Capital gains tax | 13.30% | 5.99% |
| Property tax rate | 0.63% | 1.31% |
| Healthcare (annual) | $7,200 | $7,600 |
| Childcare (annual, infant) | $19,000 | $13,000 |
| Vehicle property tax | 0.65% | None |
| Avg commute (min) | 27 | 26 |
| Home insurance / yr | $1,500 | $1,700 |
| Auto insurance / yr | $2,400 | $2,100 |
| Flood insurance / yr | $750 | $900 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 28.3 |
| Gas $/gal | 4.85 | 3.35 |
| Violent crime /100k | 500 | 240 |
| Avg summer high °F | 84 | 82 |
| Avg winter low °F | 45 | 21 |
| Permit difficulty (1–5) | 5 | 4 |