Memphis TN vs Ontario CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Memphis, TN
Tennessee · Population: 629,063
- Median HH Income$51,211
- Median Home Price$147,306
- Unemployment8.3%
- Bachelor's+28.2%
Ontario, CA
California · Population: 138,723
- Median HH Income$116,945
- Median Home Price$671,948
- Unemployment4.7%
- Bachelor's+40.1%
Detailed Comparison
Demographics
Population
Memphis
629,063
Memphis +
Ontario
138,723
Pop. Density / sq mi
Lower = more space
Memphis
N/A
Ontario
N/A
Median Age
Memphis
34.3
Memphis +
Ontario
36.9
Foreign Born
Memphis
7.4%
Ontario
21.0%
Ontario +
White
Memphis
25.0%
Ontario
53.6%
Ontario +
Black
Memphis
62.9%
Memphis +
Ontario
1.6%
Asian
Memphis
1.7%
Ontario
13.1%
Ontario +
Hispanic
Memphis
10.2%
Ontario
40.0%
Ontario +
Spanish at Home
Memphis
N/A
Ontario
N/A
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Population | 629,063 | 138,723 | Memphis + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 34.3 | 36.9 | Memphis + |
| Foreign Born | 7.4% | 21.0% | Ontario + |
| White | 25.0% | 53.6% | Ontario + |
| Black | 62.9% | 1.6% | Memphis + |
| Asian | 1.7% | 13.1% | Ontario + |
| Hispanic | 10.2% | 40.0% | Ontario + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Memphis
$51,211
Ontario
$116,945
Ontario +
Per Capita Income
Memphis
$32,314
Ontario
$50,759
Ontario +
Per Capita Personal Income (MSA)
BEA MSA-level
Memphis
$59,097
Ontario
$77,230
Ontario +
Unemployment Rate
Memphis
8.3%
Ontario
4.7%
Ontario +
Poverty Rate
Memphis
22.5%
Ontario
9.2%
Ontario +
Bachelor's Degree+
Memphis
28.2%
Ontario
40.1%
Ontario +
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Median HH Income | $51,211 | $116,945 | Ontario + |
| Per Capita Income | $32,314 | $50,759 | Ontario + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,097 | $77,230 | Ontario + |
| Unemployment Rate | 8.3% | 4.7% | Ontario + |
| Poverty Rate | 22.5% | 9.2% | Ontario + |
| Bachelor's Degree+ | 28.2% | 40.1% | Ontario + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Memphis
$147,306
Memphis +
Ontario
$671,948
Homeownership Rate
Memphis
46.0%
Ontario
58.1%
Ontario +
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $147,306 | $671,948 | Memphis + |
| Homeownership Rate | 46.0% | 58.1% | Ontario + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Memphis
639
Ontario
503
Ontario +
Property Crime / 100K
FBI CDE (state-level est.)
Memphis
2350
Memphis +
Ontario
2388
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 639 | 503 | Ontario + |
| Property Crime / 100KFBI CDE (state-level est.) | 2350 | 2388 | Memphis + |
Health
Obesity Rate
CDC PLACES
Memphis
42.1%
Ontario
33.6%
Ontario +
Diabetes Rate
CDC PLACES
Memphis
17.6%
Ontario
12.0%
Ontario +
Poor Mental Health
CDC PLACES — 14+ days/month
Memphis
20.7%
Ontario
17.8%
Ontario +
No Health Insurance
CDC PLACES
Memphis
14.9%
Memphis +
Ontario
17.0%
Binge Drinking
CDC PLACES
Memphis
13.5%
Memphis +
Ontario
15.7%
Current Smokers
CDC PLACES
Memphis
19.9%
Ontario
12.0%
Ontario +
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 42.1% | 33.6% | Ontario + |
| Diabetes RateCDC PLACES | 17.6% | 12.0% | Ontario + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 20.7% | 17.8% | Ontario + |
| No Health InsuranceCDC PLACES | 14.9% | 17.0% | Memphis + |
| Binge DrinkingCDC PLACES | 13.5% | 15.7% | Memphis + |
| Current SmokersCDC PLACES | 19.9% | 12.0% | Ontario + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Memphis
60.9°F
Memphis +
Ontario
65.5°F
Annual Precipitation
NOAA 1991–2020 normal
Memphis
54.9 in
Ontario
15.0 in
Ontario +
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 60.9°F | 65.5°F | Memphis + |
| Annual PrecipitationNOAA 1991–2020 normal | 54.9 in | 15.0 in | Ontario + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Memphis
8.9 µg/m³
Ontario
7.9 µg/m³
Ontario +
Good Air Days
AQI ≤ 50
Memphis
75.0%
Ontario
75.0%
Tie
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.9 µg/m³ | 7.9 µg/m³ | Ontario + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Memphis
22.9 min
Memphis +
Ontario
28.2 min
| Metric | Memphis, TN | Ontario, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 22.9 min | 28.2 min | Memphis + |
Which City is Right for You?
Ontario leads in median household income at $116,945, while memphis offers more affordable housing with a median home price of $147,306. On public safety, Ontario is safer with a violent crime rate of 503 per 100,000 residents, compared to 639 in Memphis. Ontario has a lower unemployment rate at 4.7%, and Ontario has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Ontario scores better with a lower obesity rate of 33.6%.
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