Highlands-Baywood Park 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.
IndexHighlands-Baywood ParkCaliforniaNational
Cost of living index221135100
IndexHighlands-Baywood ParkCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index462189100
Transportation index131125100
Utilities index108116100
The above illustration supplies generalized information for the Highlands-Baywood Park, CA cost of living index. Compared to other cities in California and cities across the country, the cost of living index in Highlands-Baywood Park, CA is 221, which is 63% higher than the California average and 121% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in Highlands-Baywood Park, CA are 8% higher than the average for California and 15% higher than the rest of the country.

Did you know?

  • The cost of living in Highlands-Baywood Park is 63% higher than the California average.
  • The cost of living in Highlands-Baywood Park is 121% higher than the national average.
  • The cost of housing in Highlands-Baywood Park is 362% 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 Highlands-Baywood Park, CA Cost of living To Other Cities

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Use the salary calculator to compare your current salary in Highlands-Baywood Park, CA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Highlands-Baywood Park, CA, then you would need to earn more income in order to maintain the same standard of living. To use the Highlands-Baywood Park, CA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$152,969$12,747$3,569$4,590
Renters$94,583$7,882$2,207$2,838
One can approximate the cost of living and the housing affordability in Highlands-Baywood Park, 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 Highlands-Baywood Park, CA have a median income of $152,969. Therefore, the amount that a consumer should spend on housing costs should be no more than $3,569 per month to avoid calamity and poverty. The renters in the city have an income of about $94,583, which would make their monthly maximum allowable rental costs $2,207.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
The California sales tax and California income tax rates should definitely be considered when determining the overall cost of living in Highlands-Baywood Park, CA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The California sales tax is 7.5% and the maximum surtax is 10%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The California income tax rates range from 1% to 12.3%.

Goods & Services

ItemHighlands-Baywood ParkNational 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

ItemHighlands-Baywood ParkNational 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

ItemHighlands-Baywood ParkNational 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

ItemHighlands-Baywood ParkNational avg.Difference
Home Price $1,846,300.00$175,700.00950.8%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $1,946.00$920.00111.5%

Transportation

ItemHighlands-Baywood ParkNational avg.Difference
Gasoline $2.80$2.0933.8%
Tire Balancing $55.37$45.2922.3%

Utilities

ItemHighlands-Baywood ParkNational 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.
Mountain View, CA2,29912626%
Ashland, CA23,36012828%
Cherryland, CA15,24412929%
Hayward, CA149,59613636%
San Lorenzo, CA24,56313939%
Highlands-Baywood Park, CA4,298221121%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Florence, NJ4,29811414%
Pinetop-Lakeside, AZ4,29798-2%
Madeira Beach, FL4,29711818%
Beechwood, MS4,29992-8%
Empire, CA4,29696-4%
Highlands-Baywood Park, CA4,298221121%
Source: The Highlands-Baywood Park, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.