Oakland 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.
IndexOaklandCaliforniaNational
Cost of living index146137100
IndexOaklandCaliforniaNational
Goods & Services index115109100
Groceries index131118100
Health care index117111100
Housing index210189100
Transportation index129130100
Utilities index107112100
Displayed above is a general overview of the Oakland, CA cost of living index. The overall cost of living index in Oakland, CA is 146, which is 7% higher than the California average and 46% 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 Oakland, CA are 5% higher than the California average and 15% higher than the national average.

Did you know?

  • The cost of living in Oakland is 7% higher than the California average.
  • The cost of living in Oakland is 46% higher than the national average.
  • The cost of housing in Oakland is 110% 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 Oakland, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Oakland, CA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Oakland, CA, then you would need to earn more income in order to maintain the same standard of living. To use the Oakland, CA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$94,043$7,837$2,194$2,822
Renters$36,657$3,055$855$1,100
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Oakland, CA, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Oakland, CA homeowners have a median income of $94,043. Using that number, you will come up with a maximum of $2,194 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $36,657, which means there is a maximum of $855 to be spent on the costs of renting a home or apartment.

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 Oakland, 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

ItemOaklandNational avg.Difference
Haircut $16.52$15.566.2%
Beauty Salon $68.42$36.1189.5%
Toothpaste $3.21$2.4729.7%
Shampoo $1.11$0.9614.7%
Movie $12.69$10.1325.3%
Bowling $5.75$4.7421.5%

Groceries

ItemOaklandNational avg.Difference
Ground Beef $3.92$3.981.7%
Fried Chicken $1.51$1.417.1%
Milk $3.08$2.0649.4%
Potatoes $3.69$2.9823.7%
Pizza $11.00$9.4716.1%
Beer $9.63$8.799.5%

Health Care

ItemOaklandNational avg.Difference
Optometrist $119.20$101.0418.0%
Doctor $129.20$107.4420.3%
Dentist $113.36$90.4225.4%
Ibuprofen $11.72$9.2826.3%
Lipitor $396.41$426.507.1%

Housing

ItemOaklandNational avg.Difference
Home Price $435,000.00$175,700.00147.6%
Avg. Mortgage Payment $2,671.73$1,133.23135.8%
Apartment Rent $1,114.00$920.0021.1%

Transportation

ItemOaklandNational avg.Difference
Gasoline $2.75$1.9938.0%
Tire Balancing $49.52$45.768.2%

Utilities

ItemOaklandNational avg.Difference
All Electricity$203.40$163.8124.2%
Phone $24.33$28.3914.3%
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.
Pacheco, CA4,2951088%
San Pablo, CA29,51611616%
Rollingwood, CA2,83211616%
Montalvin Manor, CA3,05511717%
North Richmond, CA3,92612121%
Oakland, CA402,33914646%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Tulsa, OK395,59991-9%
Minneapolis, MN394,4241066%
Cleveland, OH392,11487-13%
Miami, FL416,4321077%
Wichita, KS385,51891-9%
Oakland, CA402,33914646%
Source: The Oakland, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.