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Cost of Living Comparison Between Santa Cruz, CA and Oak Harbor, WA Cost of Living Comparison Between Santa Cruz, CA and Oak Harbor, WA

Currency
🍽 Eating Out
Santa Cruz, CA
Oak Harbor, WA
Difference
Meal at Budget Restaurant
$22.77 $22.77
$21.36 $21.36
6.60%
Three-Course Dinner for Two, Mid-Range
$79.7 $79.7
$68.6 $68.6
16.10%
Fast Food Meal (McDonalds, etc)
$12.36 $12.36
$19.02 $19.02
-35.02%
Cappuccino
$5.98 $5.98
$6.93 $6.93
-13.71%
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$3.22 $3.22
$2.46 $2.46
30.89%
Water (0.33 liter bottle)
$2.57 $2.57
$1.59 $1.59
61.64%
Local Beer (0.5 liter draught)
$7.13 $7.13
$7.91 $7.91
-9.86%
Imported Beer (0.33 liter bottle)
$7.47 $7.47
$6.38 $6.38
17.08%
🛒 Groceries & Markets
Santa Cruz, CA
Oak Harbor, WA
Difference
Milk (1 liter)
$1.43 $1.43
$1.13 $1.13
26.55%
White Bread (500g)
$4.95 $4.95
$4.22 $4.22
17.30%
Rice (white) (1kg)
$6.88 $6.88
$6.14 $6.14
12.05%
Eggs
$6.18 $6.18
$5.34 $5.34
15.73%
Local Cheese (1kg)
$23.84 $23.84
$20.00 $20.00
19.20%
Chicken Fillets (1kg)
$14.73 $14.73
$12.42 $12.42
18.60%
Beef Round Steak (1kg)
$23.71 $23.71
$20.12 $20.12
17.84%
Apples (1kg)
$7.01 $7.01
$7.46 $7.46
-6.03%
Banana (1kg)
$2.90 $2.90
$1.28 $1.28
126.56%
Oranges (1kg)
$5.31 $5.31
$8.46 $8.46
-37.23%
Tomato (1kg)
$7.63 $7.63
$6.57 $6.57
16.13%
Potato (1kg)
$3.86 $3.86
$3.69 $3.69
4.61%
Onion (1kg)
$3.82 $3.82
$4.92 $4.92
-22.36%
Lettuce (1 head)
$2.88 $2.88
$2.53 $2.53
13.83%
Water (1.5 liter bottle)
$2.76 $2.76
$2.10 $2.10
31.43%
Cigarettes 20 Pack (Marlboro, Camel)
$13.81 $13.81
$8.87 $8.87
55.69%
Wine (Bottle)
$30.56 $30.56
$13.06 $13.06
134.00%
Local Beer (0.5 liter bottle)
$2.09 $2.09
$2.68 $2.68
-22.01%
Imported Beer (0.33 liter bottle)
$2.69 $2.69
$3.97 $3.97
-32.24%
🚌 Getting Around
Santa Cruz, CA
Oak Harbor, WA
Difference
One-way Ticket (Public Transport)
$1.96 $1.96
$2.04 $2.04
-3.92%
Public Transport Monthly Pass (Regular Price)
$64.8 $64.8
$56.4 $56.4
14.98%
Taxi Start (Normal Tariff)
$4.13 $4.13
$3.46 $3.46
19.36%
Taxi (Normal Tariff) (1km)
$1.89 $1.89
$1.58 $1.58
19.62%
Taxi 1hour Waiting (Normal Tariff)
$38.48 $38.48
$29.27 $29.27
31.47%
Gasoline (1 liter)
$1.26 $1.26
$1.24 $1.24
1.61%
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$35.4K $35.4K
$29.2K $29.2K
21.10%
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$25.6K $25.6K
$25.5K $25.5K
0.53%
🧾 Monthly Utilities & Internet
Santa Cruz, CA
Oak Harbor, WA
Difference
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$218 $218
$383 $383
-43.01%
SIM Card Monthly Plan (Calls and 10GB+ Data)
$47.68 $47.68
$61.5 $61.5
-22.46%
Internet (50+ Mbps, Unlimited Data)
$67.5 $67.5
$82.4 $82.4
-18.06%
🎉 Sport & Entertainment
Santa Cruz, CA
Oak Harbor, WA
Difference
Gym Membership (Monthly)
$59.5 $59.5
$27.84 $27.84
113.69%
Cinema Ticket
$17.18 $17.18
$14.33 $14.33
19.89%
🧸 Childcare & Education
Santa Cruz, CA
Oak Harbor, WA
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$3,217 $3,217
$1,304 $1,304
146.77%
International Primary School, 1 Child (Yearly)
$38.0K $38.0K
$23.8K $23.8K
59.66%
👕👟 Clothing & Footwear
Santa Cruz, CA
Oak Harbor, WA
Difference
Jeans (Levis 501 Or Similar)
$64.1 $64.1
$53.5 $53.5
19.90%
Summer Dress (H&M, Zara, etc)
$46.47 $46.47
$38.21 $38.21
21.62%
Sport Shoes (Adidas, Nike)
$79.4 $79.4
$117 $117
-32.30%
Men's Leather Business Shoes
$115 $115
$194 $194
-40.62%
🏠 Accommodation & Living
Santa Cruz, CA
Oak Harbor, WA
Difference
1-bedroom Apartment, City Center (Monthly)
$2,933 $2,933
$2,277 $2,277
28.82%
1-bedroom Apartment, Outside City Center (Monthly)
$2,600 $2,600
$1,578 $1,578
64.80%
3-bedroom Apartment, City Center (Monthly)
$5,642 $5,642
$2,867 $2,867
96.78%
3-bedroom Apartment, Outside City Center (Monthly)
$4,175 $4,175
$2,113 $2,113
97.61%
Buy Apartment in City Center (m2)
$7,981 $7,981
$4,082 $4,082
95.53%
Buy Apartment Outside City Center (m2)
$11.0K $11.0K
$4,062 $4,062
171.22%
💵 Salaries & Financials
Santa Cruz, CA
Oak Harbor, WA
Difference
Average Monthly Net Salary (After Tax)
$5,545 $5,545
$3,376 $3,376
64.25%
20-Year Fixed Mortgage Interest Rate (Annual %)
6.36
7
-9.14%

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

Last update for Santa Cruz, CA: January 12, 2026

Last update for Oak Harbor, WA: January 12, 2026

City Median Internet Speeds Comparison (Updated December 2025)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
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