Los Osos 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.
IndexLos OsosCaliforniaNational
Cost of living index132135100
IndexLos OsosCaliforniaNational
Goods & Services index100107100
Groceries index106117100
Health care index102109100
Housing index192189100
Transportation index115125100
Utilities index119116100
The above illustration supplies generalized information for the Los Osos, CA cost of living index. Compared to other cities in California and cities across the country, the cost of living index in Los Osos, CA is 132, which is 3% lower than the California average and 32% 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 Los Osos, CA are 7% lower than the average for California and equal to the rest of the country.

Did you know?

  • The cost of living in Los Osos is 3% lower than the California average.
  • The cost of living in Los Osos is 32% higher than the national average.
  • The cost of housing in Los Osos is 92% 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 Los Osos, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Los Osos, 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 Los Osos, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Los Osos, 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$67,899$5,658$1,584$2,037
Renters$39,368$3,281$919$1,181
The affordability of the housing market in Los Osos, 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 Los Osos, CA homeowners, the median income is $67,899. This indicates that a monthly maximum of $1,584 should be spent by homeowners on all housing related costs. Renters have a median income of $39,368. This indicates that renters should have a maximum of $919 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 Los Osos, 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

ItemLos OsosNational avg.Difference
Haircut $12.00$14.5917.8%
Beauty Salon $46.67$34.6834.6%
Toothpaste $2.67$2.478.0%
Shampoo $1.09$1.026.7%
Movie $8.83$9.8710.5%
Bowling $4.50$4.392.5%

Groceries

ItemLos OsosNational avg.Difference
Ground Beef $4.62$4.483.2%
Fried Chicken $1.39$1.465.1%
Milk $2.25$2.364.5%
Potatoes $3.49$3.0614.0%
Pizza $8.99$9.242.7%
Beer $8.65$8.630.2%

Health Care

ItemLos OsosNational avg.Difference
Optometrist $94.50$99.785.3%
Doctor $102.67$105.032.3%
Dentist $97.00$88.709.4%
Ibuprofen $11.98$9.4127.3%
Lipitor $258.91$298.5013.3%

Housing

ItemLos OsosNational avg.Difference
Home Price $375,500.00$175,700.00113.7%
Avg. Mortgage Payment $1,207.72$1,081.0311.7%
Apartment Rent $1,313.00$920.0042.7%

Transportation

ItemLos OsosNational avg.Difference
Gasoline $2.51$2.0920.0%
Tire Balancing $46.33$45.292.3%

Utilities

ItemLos OsosNational avg.Difference
All Electricity$246.03$170.8044.0%
Phone $23.95$28.2615.2%
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.
Oceano, CA7,35511313%
Santa Margarita, CA1,23112626%
Atascadero, CA28,79213131%
Grover Beach, CA13,33713232%
Arroyo Grande, CA17,53613838%
Los Osos, CA14,77813232%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Royal Kunia, HI14,77918484%
Scottsboro, AL14,77990-10%
Neabsco, VA14,77513434%
Dallas, OR14,7881099%
Fort Carson, CO14,7661088%
Los Osos, CA14,77813232%
Source: The Los Osos, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.