Oceano 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 index113135100
Goods & Services index100107100
Groceries index106117100
Health care index102109100
Housing index131189100
Transportation index115125100
Utilities index119116100
A general summary of the cost of living index in Oceano, CA is shown above. Compared to the state average of California the cost of living index in Oceano, CA is 113, which is 16% lower than the average in California and compared to the national average it is 13% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Oceano, CA goods and services come in at 7% lower than the average in California and are equal to compared to the nationwide average.

Did you know?

  • The cost of living in Oceano is 16% lower than the California average.
  • The cost of living in Oceano is 13% higher than the national average.
  • The cost of housing in Oceano is 31% 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 Oceano, 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 Oceano, 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 Oceano, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Oceano, 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)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Oceano, 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 Oceano, CA homeowners have a median income of $56,096. Using that number, you will come up with a maximum of $1,309 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $37,516, which means there is a maximum of $875 to be spent on the costs of renting a home or apartment.

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 Oceano, 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

ItemOceanoNational 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%


ItemOceanoNational 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

ItemOceanoNational 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%


ItemOceanoNational avg.Difference
Home Price $239,900.00$175,700.0036.5%
Avg. Mortgage Payment $1,207.72$1,081.0311.7%
Apartment Rent $1,088.00$920.0018.3%


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


ItemOceanoNational 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.
Guadalupe, CA7,1601088%
San Miguel CDP (San Luis Obispo County), CA2,63811313%
Santa Maria, CA101,46811616%
Nipomo, CA17,11513131%
Grover Beach, CA13,33713232%
Oceano, CA7,35511313%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hornsby Bend, TX7,35597-3%
Crystal City, TX7,35374-26%
Spanish Fort, AL7,3571066%
West Glens Falls, NY7,3591055%
Villa Hills, KY7,35997-3%
Oceano, CA7,35511313%
Source: The Oceano, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.