Gilroy 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.
Cost of living index157137100
Goods & Services index125109100
Groceries index143118100
Health care index133111100
Housing index227189100
Transportation index130130100
Utilities index109112100
Here we can see a simple outline of the cost of living in Gilroy, CA. As you can see, with the average cost of living in Gilroy, CA being 157, that puts it 15% higher than the average of California and 57% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Gilroy, CA, the price of goods and services are 14% higher than the average of California as well as 25% higher than the nation's average.

Did you know?

  • The cost of living in Gilroy is 15% higher than the California average.
  • The cost of living in Gilroy is 57% higher than the national average.
  • The cost of housing in Gilroy is 127% 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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Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Gilroy, CA would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Gilroy, CA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Gilroy, CA salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Gilroy, CA as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Gilroy, CA homeowners, the median income is $112,282. This indicates that a monthly maximum of $2,620 should be spent by homeowners on all housing related costs. Renters have a median income of $40,131. This indicates that renters should have a maximum of $936 used for their rent related monthly costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax

California Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in Gilroy, 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

ItemGilroyNational 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%


ItemGilroyNational 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

ItemGilroyNational 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%


ItemGilroyNational avg.Difference
Home Price $458,500.00$175,700.00161.0%
Avg. Mortgage Payment $6,195.07$1,133.23446.7%
Apartment Rent $1,367.00$920.0048.6%


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


ItemGilroyNational 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.
Pajaro, CA2,95713434%
Amesti, CA3,21313636%
Moss Landing, CA20013737%
Hollister, CA36,06713737%
Watsonville, CA52,08514040%
Gilroy, CA50,77615757%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Bradenton, FL50,77798-2%
Florin, CA50,7911044%
Harrisonburg, VA50,8211000%
DeSoto, TX50,8371000%
Saginaw, MI50,70079-21%
Gilroy, CA50,77615757%
Source: The Gilroy, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.