Aptos cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexAptosCaliforniaNational
Cost of living index179137100
IndexAptosCaliforniaNational
Goods & Services index125109100
Groceries index143118100
Health care index133111100
Housing index302189100
Transportation index130130100
Utilities index109112100
A general overview of the cost of living index for Aptos, CA is displayed above. In Aptos, CA, the overall cost of living index is 179, which is 31% higher than the California average and 79% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Aptos, CA, the city's goods and services are 14% higher than the California average and 25% higher than the U.S. average.

Did you know?

  • The cost of living in Aptos is 31% higher than the California average.
  • The cost of living in Aptos is 79% higher than the national average.
  • The cost of housing in Aptos is 202% higher than the national average.
  • California general sales tax is 47% higher than the national average.
  • California state income tax is 55% lower than the national average.

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Compare Aptos, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Aptos, CA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Aptos, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Aptos, CA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$83,750$6,979$1,954$2,513
Renters$64,250$5,354$1,499$1,928
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Aptos, CA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Aptos, CA homeowners, is $83,750. This would allow for a maximum of $1,954 per month to be spent on housing costs. For renters, the median monthly income is $64,250 which would result in a maximum of $1,499 to be spent on rental costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
When considering the overall cost of living expenses in Aptos, CA, it's important to take into account the sales tax for California, as well as the rate for income tax in California. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for California is 10%, and the sales tax in the state of California is 7.5%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in California starts from 1% and goes up to 12.3%.

Goods & Services

ItemAptosNational avg.Difference
Haircut $17.55$15.5612.7%
Beauty Salon $40.77$36.1112.9%
Toothpaste $3.61$2.4745.8%
Shampoo $1.23$0.9627.1%
Movie $12.35$10.1321.9%
Bowling $7.64$4.7461.3%

Groceries

ItemAptosNational avg.Difference
Ground Beef $6.33$3.9858.8%
Fried Chicken $2.69$1.4191.3%
Milk $2.92$2.0641.3%
Potatoes $4.70$2.9857.6%
Pizza $13.06$9.4737.8%
Beer $9.48$8.797.8%

Health Care

ItemAptosNational avg.Difference
Optometrist $151.96$101.0450.4%
Doctor $141.39$107.4431.6%
Dentist $138.51$90.4253.2%
Ibuprofen $10.75$9.2815.8%
Lipitor $420.03$426.501.5%

Housing

ItemAptosNational avg.Difference
Home Price $618,400.00$175,700.00252.0%
Avg. Mortgage Payment $6,195.07$1,133.23446.7%
Apartment Rent $1,693.00$920.0084.0%

Transportation

ItemAptosNational avg.Difference
Gasoline $2.74$1.9937.6%
Tire Balancing $51.66$45.7612.9%

Utilities

ItemAptosNational avg.Difference
All Electricity$204.04$163.8124.6%
Phone $24.95$28.3912.1%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Lompico, CA90013232%
Pajaro, CA2,95713434%
Amesti, CA3,21313636%
Moss Landing, CA20013737%
Watsonville, CA52,08514040%
Aptos, CA5,87217979%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
North Hobbs, NM5,86995-5%
Burbank CDP, CA5,86915656%
Blauvelt, NY5,86815151%
Trooper, PA5,86812929%
Rockford, MI5,87689-11%
Aptos, CA5,87217979%
Source: The Aptos, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.