Oracle 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 index9797100
Goods & Services index9797100
Groceries index9798100
Health care index115100100
Housing index9494100
Transportation index9899100
Utilities index9499100
An overview of the general cost of living index for Oracle, AZ is displayed above for your reference. Residents in Oracle, AZ enjoy a cost of living index of 97. This index is equal to the Arizona average, and 3% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Oracle, AZ, the average cost of goods and services is 1% higher than it is in Arizona, and it is 3% lower than the national average.

Did you know?

  • The cost of living in Oracle is equal to the Arizona average.
  • The cost of living in Oracle is 3% lower than the national average.
  • The cost of housing in Oracle is 6% lower than the national average.
  • Arizona general sales tax is 10% higher than the national average.
  • Arizona state income tax is 16% higher than the national average.

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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 allows you to compare how much your current salary in Oracle, AZ would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Oracle, AZ, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Oracle, AZ salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
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 Oracle, AZ, 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. Oracle, AZ has a median income of about $54,395 for people who own homes. Based on that number, a person should spend a maximum of $1,269 on expenses related to housing. Renters have a slightly different median income, which is $26,034. Based on this average, renters should spend no more than $607 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Arizona Sales Tax

StateGeneral Sales TaxWith Max Surtax

Arizona Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Oracle, AZ and want to know what the true cost of living is, they ought to look at both the Arizona income tax rate and the Arizona 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 Arizona, the sales tax is 5.6%, while the most you'll pay in surtax is 10.725%. 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 Arizona, the income tax rate ranges between 2.59% to 4.54%.

Goods & Services

ItemOracleNational avg.Difference
Haircut $14.60$14.590.0%
Beauty Salon $40.80$34.6817.6%
Toothpaste $2.29$2.477.4%
Shampoo $0.98$1.024.1%
Movie $9.83$9.870.4%
Bowling $3.85$4.3912.3%


ItemOracleNational avg.Difference
Ground Beef $4.34$4.483.1%
Fried Chicken $1.51$1.463.1%
Milk $1.82$2.3622.8%
Potatoes $2.92$3.064.6%
Pizza $7.99$9.2413.6%
Beer $8.26$8.634.3%

Health Care

ItemOracleNational avg.Difference
Optometrist $87.40$99.7812.4%
Doctor $162.80$105.0355.0%
Dentist $93.80$88.705.7%
Ibuprofen $9.09$9.413.4%
Lipitor $289.19$298.503.1%


ItemOracleNational avg.Difference
Home Price $169,300.00$175,700.003.6%
Avg. Mortgage Payment $842.49$1,081.0322.1%
Apartment Rent $804.00$920.0012.6%


ItemOracleNational avg.Difference
Gasoline $2.00$2.094.6%
Tire Balancing $47.60$45.295.1%


ItemOracleNational avg.Difference
All Electricity$167.78$170.801.8%
Phone $24.58$28.2613.0%
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.
Summerhaven, AZ14198-2%
Campo Bonito, AZ098-2%
Mammoth, AZ1,63482-18%
San Manuel, AZ3,96185-15%
Catalina, AZ7,52797-3%
Oracle, AZ3,88797-3%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Park Hill, OK3,88785-15%
Pelham, GA3,88779-21%
Bosque Farms, NM3,8861000%
Indian Head, MD3,88511010%
Smithville, TX3,89090-10%
Oracle, AZ3,88797-3%
Source: The Oracle, AZ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.