National City 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.
IndexNational CityCaliforniaNational
Cost of living index120135100
IndexNational CityCaliforniaNational
Goods & Services index105107100
Groceries index109117100
Health care index111109100
Housing index141189100
Transportation index124125100
Utilities index122116100
Here we can see a simple outline of the cost of living in National City, CA. As you can see, with the average cost of living in National City, CA being 120, that puts it 11% lower than the average of California and 20% 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 National City, CA, the price of goods and services are 1% lower than the average of California as well as 5% higher than the nation's average.

Did you know?

  • The cost of living in National City is 11% lower than the California average.
  • The cost of living in National City is 20% higher than the national average.
  • The cost of housing in National City is 41% 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 National City, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in National City, CA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to National City, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the National City, CA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

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 National City, 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 National City, CA homeowners, is $57,125. This would allow for a maximum of $1,333 per month to be spent on housing costs. For renters, the median monthly income is $31,657 which would result in a maximum of $739 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 National City, 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

ItemNational CityNational avg.Difference
Haircut $18.53$14.5927.0%
Beauty Salon $57.27$34.6865.1%
Toothpaste $2.74$2.4710.8%
Shampoo $1.11$1.028.6%
Movie $12.40$9.8725.7%
Bowling $5.52$4.3925.7%


ItemNational CityNational avg.Difference
Ground Beef $4.49$4.480.3%
Fried Chicken $1.54$1.465.2%
Milk $2.54$2.367.8%
Potatoes $3.32$3.068.4%
Pizza $8.00$9.2413.4%
Beer $9.38$8.638.7%

Health Care

ItemNational CityNational avg.Difference
Optometrist $104.65$99.784.9%
Doctor $109.87$105.034.6%
Dentist $109.00$88.7022.9%
Ibuprofen $12.99$9.4138.0%
Lipitor $280.93$298.505.9%


ItemNational CityNational avg.Difference
Home Price $272,700.00$175,700.0055.2%
Avg. Mortgage Payment $2,436.52$1,081.03125.4%
Apartment Rent $995.00$920.008.2%


ItemNational CityNational avg.Difference
Gasoline $2.74$2.0931.0%
Tire Balancing $47.16$45.294.1%


ItemNational CityNational avg.Difference
All Electricity$214.73$170.8025.7%
Phone $33.30$28.2617.8%
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.
Spring Valley, CA1,0001088%
Bostonia, CA16,46012020%
La Presa, CA34,73912424%
Lemon Grove, CA25,96312525%
Lakeside, CA21,07912727%
National City, CA59,54312020%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Brentwood, NY59,43613131%
Pontiac, MI59,65881-19%
Gardena, CA59,68212828%
Lancaster, PA59,36893-7%
Grand Junction, CO59,7311011%
National City, CA59,54312020%
Source: The National City, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.