Bay Point 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.
IndexBay PointCaliforniaNational
Cost of living index113135100
IndexBay PointCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index102189100
Transportation index131125100
Utilities index108116100
A general overview of the cost of living index for Bay Point, CA is displayed above. In Bay Point, CA, the overall cost of living index is 113, which is 16% lower than the California average and 13% 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 Bay Point, CA, the city's goods and services are 8% higher than the California average and 15% higher than the U.S. average.

Did you know?

  • The cost of living in Bay Point is 16% lower than the California average.
  • The cost of living in Bay Point is 13% higher than the national average.
  • The cost of housing in Bay Point is 2% 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 Bay Point, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Bay Point, 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 Bay Point, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Bay Point, 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$61,394$5,116$1,432$1,842
Renters$29,270$2,439$683$878
One can approximate the cost of living and the housing affordability in Bay Point, CA by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Bay Point, CA have a median income of $61,394. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,432 per month to avoid calamity and poverty. The renters in the city have an income of about $29,270, which would make their monthly maximum allowable rental costs $683.

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 Bay Point, 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

ItemBay PointNational avg.Difference
Haircut $18.44$14.5926.4%
Beauty Salon $59.40$34.6871.3%
Toothpaste $3.14$2.4727.0%
Shampoo $1.09$1.026.7%
Movie $11.00$9.8711.5%
Bowling $6.63$4.3951.0%

Groceries

ItemBay PointNational avg.Difference
Ground Beef $3.97$4.4811.3%
Fried Chicken $2.07$1.4641.4%
Milk $2.77$2.3617.5%
Potatoes $3.69$3.0620.5%
Pizza $9.00$9.242.6%
Beer $9.93$8.6315.0%

Health Care

ItemBay PointNational avg.Difference
Optometrist $120.44$99.7820.7%
Doctor $127.57$105.0321.5%
Dentist $122.43$88.7038.0%
Ibuprofen $11.97$9.4127.2%
Lipitor $254.50$298.5014.7%

Housing

ItemBay PointNational avg.Difference
Home Price $158,000.00$175,700.0010.1%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $1,185.00$920.0028.8%

Transportation

ItemBay PointNational avg.Difference
Gasoline $2.80$2.0933.8%
Tire Balancing $55.37$45.2922.3%

Utilities

ItemBay PointNational avg.Difference
All Electricity$213.39$170.8024.9%
Phone $24.12$28.2614.6%
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.
Pacheco, CA4,2951077%
Rio Vista, CA7,64611717%
Pittsburg, CA65,76111616%
Suisun City, CA28,62712323%
Antioch, CA105,63011818%
Bay Point, CA21,58611313%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Sunny Isles Beach, FL21,58312121%
Kinston, NC21,58988-12%
Clarksville, IN21,57990-10%
Ramona, CA21,57813333%
Stoneham, MA21,61114848%
Bay Point, CA21,58611313%
Source: The Bay Point, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.