City comparison

San Luis Obispo, CA vs Stockton, CA

What a paycheck is really worth in each city: prices, rent and state taxes.

Key findings

  • Prices in San Luis Obispo, CA are 3.3% higher than in Stockton, CA. Someone earning $100,000 in Stockton, CA would need about $103,300 in San Luis Obispo, CA to live the same way.
  • Rent is the bigger story: a typical 1-bedroom costs $1,914 a month in San Luis Obispo, CA versus $1,395 in Stockton, CA. On $100,000, that's 31% of take-home pay in San Luis Obispo, CA and 23% in Stockton, CA.
  • Both are in CA, so estimated state income tax is the same: $5,070 a year on $100,000.
  • For federal employees, locality pay changes a GS-13 step 1 salary by +7.2% moving from San Luis Obispo, CA to Stockton, CA ($124,085 → $133,060), while prices change by −3.2%. Net effect of the transfer: +10.8% in real buying power.
San Luis ObispoStockton
Price level (U.S. = 100):Under 9292–9898–102102–108Over 108
  • San Luis Obispo, CA: price level 108.6 (much pricier)
  • Stockton, CA: price level 105.1 (pricier)

Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.

Side by side

San Luis Obispo, CAStockton, CA
Price level (U.S. = 100)2108.6105.1
$100,000 is worth, in the other city2$96,771 in Stockton$103,337 in San Luis Obispo
Typical 1-bedroom rent3$1,914/mo$1,395/mo
Take-home on $100,00014,15,8$74,110$74,110
State income tax on $100,000 (estimate)8$5,070 (CA)$5,070 (CA)
Rent burden on $100,00031%23%
Median pay, all jobs4$50,770$48,990
Federal locality pay area7Los Angeles-Long Beach, CASan Jose-San Francisco-Oakland, CA

Rent areas: San Luis Obispo-Paso Robles, CA MSA and Stockton-Lodi, CA MSA. Metro areas: San Luis Obispo-Paso Robles, CA and Stockton-Lodi, CA.

What costs more or less

San Luis Obispo, CAStockton, CA
Price level (U.S. = 100)San Luis ObispoStockton
Housing (rent)144.4115.6
Goods105.2105.2
Utilities147.8158.2
Other services100.3100.3
Overall108.6105.1
BEA Regional Price Parities2. Housing covers rents.

Moving with the same $100,000 salary

San Luis Obispo, CA → Stockton, CA

Same pay goes further

Buying power +3.3%; rent takes 23% of take-home; state tax +$0/yr.

79 Strong offer

Stockton, CA → San Luis Obispo, CA

Same pay buys less

Buying power −3.2%; rent takes 31% of take-home; state tax +$0/yr.

50 Fair offer

On the GS pay scale?

San Luis Obispo, CA is in the Los Angeles-Long Beach, CA pay area; Stockton, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from San Luis Obispo, CA to Stockton, CA at the same grade and step does to real buying power.

Grade5,2San Luis Obispo, CAStockton, CAReal change, San Luis Obispo → Stockton
GS-9 step 1$71,957$77,161+10.8%
GS-11 step 1$87,061$93,358+10.8%
GS-12 step 1$104,349$111,896+10.8%
GS-13 step 1$124,085$133,060+10.8%
GS-14 step 1$146,632$157,236+10.8%

Pay for common jobs

Median annual pay4San Luis Obispo, CAStockton, CAStockton pay in San Luis Obispo dollars
Elementary School Teachers, Except Special Education$97,620$97,400$100,650 (+3.1%)
Software Developers$135,020$138,550$143,174 (+6.0%)
Accountants and Auditors$88,160$83,570$86,359 (−2.0%)
Registered Nurses$138,820$134,580$139,071 (+0.2%)

"Not published" means BLS doesn't release an estimate for that job in that metro.

Check your own offer

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Taxes are estimates for a single filer taking the standard deduction; city and county income taxes are not included. See the methodology.

Notes & Sources

  1. U.S. Census Bureau, Metropolitan Statistical Area population estimates (Vintage 2025) (2025). Retrieved 2026-09-29.
  2. U.S. Bureau of Economic Analysis, Regional Price Parities by MSA (MARPP), all items (2024). Retrieved 2026-09-29.
  3. U.S. Department of Housing and Urban Development, Fair Market Rents, 1-bedroom (2026). Retrieved 2026-09-29.
  4. U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics (OEWS), May 2025, metropolitan areas (2025). Retrieved 2026-09-29.
  5. U.S. Office of Personnel Management, General Schedule (GS) pay rates with locality pay, 2026 (2026). Retrieved 2026-09-29.
  6. U.S. Office of Personnel Management, Locality codes used in the 2026 GS pay spreadsheet (2026). Retrieved 2026-09-29.
  7. U.S. Office of Personnel Management, 2026 Locality Pay Area Definitions (counties in each pay area) (2026). Retrieved 2026-09-29.
  8. Tax Foundation, State Individual Income Tax Rates and Brackets, 2026 (2026). Retrieved 2026-09-29.
  9. U.S. Census Bureau, Cartographic boundary file: states, 1:20,000,000 (2024) (2024). Retrieved 2026-09-29.
  10. U.S. Census Bureau, Gazetteer file: core based statistical areas (2025) (2025). Retrieved 2026-09-29.
  11. U.S. Census Bureau, American Community Survey 5-year estimates, 2020-2024, table C24010 (occupation of employed residents) by ZIP code area (2024). Retrieved 2026-09-29.
  12. U.S. Census Bureau, ZIP Code Tabulation Area relationship files (2020; Connecticut 2022) and Gazetteer locations (2025) (2025). Retrieved 2026-09-29.
  13. U.S. Census Bureau, Cartographic boundary files (ZIP code areas 2020; counties and states 2024) and TIGER/Line primary roads (2024) (2024). Retrieved 2026-09-29.
  14. Internal Revenue Service, Rev. Proc. 2025-32 (2026 tax brackets and standard deduction) (2026). Retrieved 2026-09-29.
  15. Internal Revenue Service, Publication 15 (Circular E), Employer's Tax Guide for 2026 (Social Security and Medicare) (2026). Retrieved 2026-09-29.