Last update: Oct 2026

Cost of Living Comparison Between San Jose and San Mateo, CA

For one person, living is cheaper in San Jose: $1,938 a month against $4,419 in San Mateo, CA, rent and utilities included – about $29,800 less a year. Rent and utilities account for most of the difference.

94

Cost of Living Index in San Jose
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San Jose Living Index
215

Cost of Living Index in San Mateo, CA
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San Mateo, CA Living Index

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San Jose

🇨🇷 Costa Rica

$1,938

/mo nomad

San Mateo, CA

🇺🇸 United States

$4,419

/mo nomad

Monthly Cost of Living

How much you'll spend in San Jose and in San Mateo, CA

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in San Jose and in San Mateo, CA actually costs, broken down by who's living it.

A single person spends $1,938 per month in San Jose vs $4,419 in San Mateo, CA, rent included.

San Jose $1,938
San Mateo, CA $4,419

A couple spends around $2,936 per month in San Jose vs $6,644 in San Mateo, CA, rent included.

San Jose $2,936
San Mateo, CA $6,644

A family of three spends $3,934 per month in San Jose vs $8,868 in San Mateo, CA, rent included.

San Jose $3,934
San Mateo, CA $8,868

San Jose is about 56% cheaper than San Mateo, CA, and outside of rent the biggest gap is in groceries.

Both San Jose and San Mateo, CA sit above the global median – San Jose by 44%, San Mateo, CA by 227%.

Meal at Budget Restaurant

$12.38 ₡5,551

$19.81 $19.81

-37.51%

Three-Course Dinner for Two, Mid-Range

$60.9 ₡27.3K

$98.2 $98.2

-38.01%

Fast Food Meal (McDonalds, etc)

$11.45 ₡5,135

$12.87 $12.87

-11.03%

Cappuccino

$4.39 ₡1,967

$5.54 $5.54

-20.76%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.70 ₡1,211

$3.08 $3.08

-12.34%

Water (0.33 liter bottle)

$1.93 ₡864

$2.81 $2.81

-31.32%

Local Beer (0.5 liter draught)

$3.20 ₡1,433

$8.31 $8.31

-61.49%

Imported Beer (0.33 liter bottle)

$4.41 ₡1,979

$9.86 $9.86

-55.27%

Milk (1 liter)

$2.44 ₡1,093

$1.61 $1.61

51.55%

White Bread (500g)

$3.05 ₡1,369

$5.96 $5.96

-48.83%

Rice (white) (1kg)

$2.41 ₡1,081

$5.98 $5.98

-59.70%

Eggs

$3.40 ₡1,523

$7.19 $7.19

-52.71%

Local Cheese (1kg)

$10.75 ₡4,823

$13.35 $13.35

-19.48%

Chicken Fillets (1kg)

$10.43 ₡4,679

$19.03 $19.03

-45.19%

Beef Round Steak (1kg)

$13.99 ₡6,273

$19.87 $19.87

-29.59%

Apples (1kg)

$5.25 ₡2,353

$6.06 $6.06

-13.37%

Banana (1kg)

$1.59 ₡712

$2.13 $2.13

-25.35%

Oranges (1kg)

$4.69 ₡2,103

$3.90 $3.90

20.26%

Tomato (1kg)

$3.95 ₡1,770

$8.86 $8.86

-55.42%

Potato (1kg)

$3.92 ₡1,760

$4.34 $4.34

-9.68%

Onion (1kg)

$3.68 ₡1,651

$3.04 $3.04

21.05%

Lettuce (1 head)

$1.12 ₡503

$3.06 $3.06

-63.40%

Water (1.5 liter bottle)

$3.19 ₡1,429

$1.97 $1.97

61.93%

Cigarettes 20 Pack (Marlboro, Camel)

$6.00 ₡2,692

$11.94 $11.94

-49.75%

Wine (Bottle)

$19.56 ₡8,771

$14.53 $14.53

34.62%

Local Beer (0.5 liter bottle)

$2.82 ₡1,263

$1.69 $1.69

66.86%

Imported Beer (0.33 liter bottle)

$3.59 ₡1,611

$1.93 $1.93

86.01%

One-way Ticket (Public Transport)

$1.12 ₡503

$3.99 $3.99

-71.93%

Public Transport Monthly Pass (Regular Price)

$66.8 ₡30.0K

$97.1 $97.1

-31.19%

Taxi Start (Normal Tariff)

$2.50 ₡1,119

$4.05 $4.05

-38.27%

Taxi (Normal Tariff) (1km)

$1.63 ₡733

$2.03 $2.03

-19.70%

Taxi 1hour Waiting (Normal Tariff)

$8.50 ₡3,812

Gasoline (1 liter)

$1.56 ₡701

$1.56 $1.56

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$22.4K ₡10.0M

$36.8K $36.8K

-39.16%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$35.6K ₡16.0M

$26.0K $26.0K

36.82%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$95.2 ₡42.7K

$267 $267

-64.31%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$35.58 ₡16.0K

$41.54 $41.54

-14.35%

Internet (50+ Mbps, Unlimited Data)

$58.6 ₡26.3K

$62.4 $62.4

-6.04%

Gym Membership (Monthly)

$72.7 ₡32.6K

$109 $109

-33.30%

Tennis Court (1 Hour on Weekend)

$24.85 ₡11.1K

$9.40 $9.40

164.36%

Cinema Ticket

$7.58 ₡3,401

$18.35 $18.35

-58.69%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,001 ₡449.0K

$2,947 $2,947

-66.03%

International Primary School, 1 Child (Yearly)

$17.1K ₡7.7M

$28.8K $28.8K

-40.54%

Jeans (Levis 501 Or Similar)

$70.5 ₡31.6K

$63.6 $63.6

10.89%

Summer Dress (H&M, Zara, etc)

$55.8 ₡25.0K

$47.52 $47.52

17.47%

Sport Shoes (Adidas, Nike)

$130 ₡58.2K

$117 $117

10.77%

Men's Leather Business Shoes

$131 ₡58.7K

$135 $135

-2.78%

1-bedroom Apartment, City Center (Monthly)

$927 ₡415.8K

$3,421 $3,421

-72.90%

1-bedroom Apartment, Outside City Center (Monthly)

$774 ₡347.2K

$2,741 $2,741

-71.75%

3-bedroom Apartment, City Center (Monthly)

$1,967 ₡882.0K

$5,944 $5,944

-66.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,288 ₡577.6K

$5,128 $5,128

-74.88%

Buy Apartment in City Center (m2)

$2,274 ₡1.0M

$13.8K $13.8K

-83.54%

Buy Apartment Outside City Center (m2)

$1,831 ₡821.0K

$8,907 $8,907

-79.45%

Average Monthly Net Salary (After Tax)

$1,016 ₡455.8K

$7,501 $7,501

-86.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.62

6.53

32.01%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for San Jose: October 11, 2026

Last update for San Mateo, CA: October 10, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

San Jose

$774 40%

San Mateo, CA

$2.7K 62% 254% $2K

Groceries & Markets

San Jose

$401 20.7%

San Mateo, CA

$523 11.8% 30.3% $122

Eating Out

San Jose

$229 11.8%

San Mateo, CA

$348 7.9% 51.9% $119

Monthly Utilities & Internet

San Jose

$189 9.8%

San Mateo, CA

$371 8.4% 95.7% $181

Clothing & Footwear

San Jose

$174 9%

San Mateo, CA

$163 3.7% 6.2% $11

Sport & Entertainment

San Jose

$88 4.5%

San Mateo, CA

$146 3.3% 65.8% $58

Getting Around

San Jose

$82 4.2%

San Mateo, CA

$127 2.9% 55.3% $45

Cost Breakdown

A central one-bedroom costs $927 in San Jose versus $3,421 in San Mateo, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 638% higher in San Mateo, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $61.0 in San Jose versus $98.0 in San Mateo, CA. Monthly groceries follow the same trend: $401 vs $523 – making San Jose the more affordable choice for daily food spending.

Good to know

🇨🇷 San Jose

🇺🇸 San Mateo, CA

🕒 Local time

11:43 11:43 AM

10:43 10:43 AM

1 h behind San Jose

🌤 Weather

👥 Population

342,188 Capital

103,536

💱 Currency

Costa Rican Colón CRC ₡

United States Dollar USD $

📈 Exchange rate

1,000 CRC = 2.23 USD

1,000 CRC = 1.98 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CRC – Costa Rican Colón Converter

🇺🇸 United States Dollar ($)

🇨🇷 Costa Rican Colón (₡)

Costa Rican Colón exchange rates as of October 18, 2026: 1 USD = 448 CRC (1,000 CRC = 2.23 USD). 1 EUR = 504 CRC (1,000 CRC = 1.98 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CRC in detail →

On the map

Lowest

Highest

Between locations

San Jose San Mateo, CA 4,900 km ≈ 7 h nonstop flight

From you

San Jose
San Mateo, CA

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

San Jose vs San Mateo, CA: Cost of Living - Frequently Asked Questions

Yes – San Mateo, CA is pricier by about 128%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,907 per month in San Jose and $6,628 in San Mateo, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in San Jose, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $61.0 in San Jose and $98.0 in San Mateo, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,938 in San Jose and $4,419 in San Mateo, CA. That's a gap of about 128%.

A $2,500 monthly budget goes further in San Jose, where all-in costs run around $1,938, than in San Mateo, CA at $4,419. In San Jose it covers expenses comfortably, while in San Mateo, CA it requires careful planning or may not stretch far enough.

Families tend to lean toward San Jose – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with San Jose. If higher salaries, better infrastructure, or specific career opportunities are the priority, San Mateo, CA makes more sense. Both are solid long-term options with distinct trade-offs.