Irving vs Temecula
Cost of Living Comparison · 2026
Irving
Temecula
The Verdict
Living in Irving costs 23.7% less than Temecula. To match the purchasing power of a $75,000 salary in Irving, you would need $98,250 in Temecula.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Irving has the same purchasing power as $98,250 in Temecula.
Conversely, $75,000 in Temecula equals $57,252 in Irving.
Living in Irving vs Temecula
Housing Costs
Irving's housing index of 94 is lower Temecula's 197, translating to median home prices of $318,000 vs $750,000. The $432,000 difference in home prices means roughly $28,080 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $2,525/mo in Temecula, a monthly difference of $1,175.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 107 in Temecula. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $508/month in Temecula. Irving offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 111 in Irving and 115 in Temecula. Monthly utility bills average approximately $444 in Irving vs $460 in Temecula. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 103 in Irving and 99 in Temecula. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $73,400 in Irving and $98,600 in Temecula. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $75,267 respectively. Temecula residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,713/month to housing in Irving vs $2,301/month in Temecula. In Irving, median rent of $1,350/mo fits within this budget. In Temecula, median rent of $2,525/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 103 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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