McSwain 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 index127135100
Goods & Services index104107100
Groceries index110117100
Health care index103109100
Housing index173189100
Transportation index114125100
Utilities index113116100
Here we can see a simple outline of the cost of living in McSwain, CA. As you can see, with the average cost of living in McSwain, CA being 127, that puts it 6% lower than the average of California and 27% 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 McSwain, CA, the price of goods and services are 2% lower than the average of California as well as 4% higher than the nation's average.

Did you know?

  • The cost of living in McSwain is 6% lower than the California average.
  • The cost of living in McSwain is 27% higher than the national average.
  • The cost of housing in McSwain is 73% 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 McSwain, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in McSwain, 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 McSwain, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the McSwain, 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)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in McSwain, CA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for McSwain, CA homeowners, is $103,403. This would allow for a maximum of $2,413 per month to be spent on housing costs. For renters, the median monthly income is $61,417 which would result in a maximum of $1,433 to be spent on rental costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax

California Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in McSwain, CA is the California sales tax and California income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The California sales tax rate is 7.5% and the maximum surtax that can be charged is 10%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The California income tax rates range from 1% to 12.3%.

Goods & Services

ItemMcSwainNational avg.Difference
Haircut $16.49$14.5913.0%
Beauty Salon $43.50$34.6825.4%
Toothpaste $2.39$2.473.4%
Shampoo $1.39$1.0236.0%
Movie $10.25$9.873.9%
Bowling $4.00$4.398.9%


ItemMcSwainNational avg.Difference
Ground Beef $5.15$4.4815.0%
Fried Chicken $1.61$1.4610.0%
Milk $2.76$2.3617.1%
Potatoes $3.19$3.064.2%
Pizza $13.17$9.2442.5%
Beer $8.99$8.634.1%

Health Care

ItemMcSwainNational avg.Difference
Optometrist $134.00$99.7834.3%
Doctor $91.50$105.0312.9%
Dentist $92.00$88.703.7%
Ibuprofen $10.75$9.4114.2%
Lipitor $316.62$298.506.1%


ItemMcSwainNational avg.Difference
Home Price $349,500.00$175,700.0098.9%
Avg. Mortgage Payment $1,906.33$1,081.0376.3%
Apartment Rent $1,038.00$920.0012.8%


ItemMcSwainNational avg.Difference
Gasoline $2.53$2.0921.1%
Tire Balancing $43.33$45.294.3%


ItemMcSwainNational avg.Difference
All Electricity$231.09$170.8035.3%
Phone $22.99$28.2618.6%
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.
University of California Merced, CA01088%
Tuttle, CA171088%
El Nido, CA41291-9%
Planada, CA4,46595-5%
Winton, CA11,77495-5%
McSwain, CA4,53112727%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
South Sarasota, FL4,53111212%
Rolesville, NC4,5301077%
Mount Vernon, IA4,53296-4%
Perry, UT4,5291033%
Church Point, LA4,52980-20%
McSwain, CA4,53112727%
Source: The McSwain, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.