Hayward 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 index136135100
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index178189100
Transportation index131125100
Utilities index108116100
A general overview of the cost of living index for Hayward, CA is displayed above. In Hayward, CA, the overall cost of living index is 136, which is 1% higher than the California average and 36% 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 Hayward, 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 Hayward is 1% higher than the California average.
  • The cost of living in Hayward is 36% higher than the national average.
  • The cost of housing in Hayward is 78% 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
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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Hayward, CA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Hayward, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Hayward, CA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Hayward, 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 Hayward, CA homeowners, the median income is $87,721. This indicates that a monthly maximum of $2,047 should be spent by homeowners on all housing related costs. Renters have a median income of $44,064. This indicates that renters should have a maximum of $1,028 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 Hayward, 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

ItemHaywardNational 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%


ItemHaywardNational 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

ItemHaywardNational 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%


ItemHaywardNational avg.Difference
Home Price $339,700.00$175,700.0093.3%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $1,312.00$920.0042.6%


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


ItemHaywardNational 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.
Ashland, CA23,36012828%
Cherryland, CA15,24412929%
Emeryville, CA10,49713636%
San Lorenzo, CA24,56313939%
San Leandro, CA87,15914040%
Hayward, CA149,59613636%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Fort Collins, CO149,6271066%
Pomona, CA151,14211919%
Rockford, IL151,29086-14%
Joliet, IL147,78699-1%
Escondido, CA147,60313030%
Hayward, CA149,59613636%
Source: The Hayward, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.