Morgan Hill 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.
IndexMorgan HillCaliforniaNational
Cost of living index162135100
IndexMorgan HillCaliforniaNational
Goods & Services index104107100
Groceries index110117100
Health care index103109100
Housing index288189100
Transportation index114125100
Utilities index113116100
Displayed above is a general overview of the Morgan Hill, CA cost of living index. The overall cost of living index in Morgan Hill, CA is 162, which is 20% higher than the California average and 62% 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 Morgan Hill, CA are 2% lower than the California average and 4% higher than the national average.

Did you know?

  • The cost of living in Morgan Hill is 20% higher than the California average.
  • The cost of living in Morgan Hill is 62% higher than the national average.
  • The cost of housing in Morgan Hill is 188% 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 Morgan Hill, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Groceries index
Health care index
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Using the salary calculator lets you compare the salary you earn in Morgan Hill, 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 Morgan Hill, CA, you have to earn a higher income in order to still have the same standard of living. To operate the Morgan Hill, 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$117,813$9,818$2,749$3,535
Renters$50,514$4,210$1,179$1,516
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Morgan Hill, CA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Morgan Hill, CA has a median income of about $117,813 for people who own homes. Based on that number, a person should spend a maximum of $2,749 on expenses related to housing. Renters have a slightly different median income, which is $50,514. Based on this average, renters should spend no more than $1,179 on all of their rental costs if they want to maintain a non-impoverished standard of living.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
For those who live in Morgan Hill, CA and want to know what the true cost of living is, they ought to look at both the California income tax rate and the California sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In California, the sales tax is 7.5%, while the most you'll pay in surtax is 10%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in California, the income tax rate ranges between 1% to 12.3%.

Goods & Services

ItemMorgan HillNational 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%

Groceries

ItemMorgan HillNational 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

ItemMorgan HillNational 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%

Housing

ItemMorgan HillNational avg.Difference
Home Price $587,900.00$175,700.00234.6%
Avg. Mortgage Payment $1,906.33$1,081.0376.3%
Apartment Rent $1,663.00$920.0080.8%

Transportation

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

Utilities

ItemMorgan HillNational 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.
Amesti, CA3,21312323%
Watsonville, CA52,08512626%
Interlaken, CA6,95413030%
Freedom, CA3,20513838%
Gilroy, CA50,77614444%
Morgan Hill, CA39,87516262%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Mankato, MN39,87195-5%
Linton Hall, VA39,94413434%
Rockwall, TX39,94811010%
Huntsville, TX39,76488-12%
Cedar Falls, IA40,00994-6%
Morgan Hill, CA39,87516262%
Source: The Morgan Hill, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.