Hillsborough 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.
IndexHillsboroughCaliforniaNational
Cost of living index222135100
IndexHillsboroughCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index464189100
Transportation index131125100
Utilities index108116100
Displayed above is a general overview of the Hillsborough, CA cost of living index. The overall cost of living index in Hillsborough, CA is 222, which is 64% higher than the California average and 122% higher than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Hillsborough, CA are 8% higher than the California average and 15% higher than the national average.

Did you know?

  • The cost of living in Hillsborough is 64% higher than the California average.
  • The cost of living in Hillsborough is 122% higher than the national average.
  • The cost of housing in Hillsborough is 364% 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 Hillsborough, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Using the salary calculator lets you compare the salary you earn in Hillsborough, CA to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Hillsborough, CA, you have to earn a higher income in order to still have the same standard of living. To operate the Hillsborough, CA salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$250,001$20,833$5,833$7,501
Renters$214,773$17,898$5,011$6,444
The affordability of the housing market in Hillsborough, 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 Hillsborough, CA homeowners, the median income is $250,001. This indicates that a monthly maximum of $5,833 should be spent by homeowners on all housing related costs. Renters have a median income of $214,773. This indicates that renters should have a maximum of $5,011 used for their rent related monthly 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 you are determining the total cost of living in Hillsborough, CA you will want to make sure you consider both the California sales tax and the California income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in California is 7.5%, with the highest surtax being 10%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in California have a range from 1% to 12.3%.

Goods & Services

ItemHillsboroughNational 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

ItemHillsboroughNational 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

ItemHillsboroughNational 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

ItemHillsboroughNational avg.Difference
Home Price $4,116,500.00$175,700.002,242.9%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $2,001.00$920.00117.5%

Transportation

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

Utilities

ItemHillsboroughNational 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%
San Lorenzo, CA24,56313939%
San Leandro, CA87,15914040%
East Palo Alto, CA28,92014343%
Hillsborough, CA11,148222122%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Ontario, OR11,14886-14%
Red Oak, TX11,149100-0%
Millington, TN11,15286-14%
Pompton Lakes, NJ11,16212828%
Mendota Heights, MN11,13112525%
Hillsborough, CA11,148222122%
Source: The Hillsborough, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.