Pacific Grove 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.
IndexPacific GroveCaliforniaNational
Cost of living index184137100
IndexPacific GroveCaliforniaNational
Goods & Services index125109100
Groceries index143118100
Health care index133111100
Housing index316189100
Transportation index130130100
Utilities index109112100
A general summary of the cost of living index in Pacific Grove, CA is shown above. Compared to the state average of California the cost of living index in Pacific Grove, CA is 184, which is 34% higher than the average in California and compared to the national average it is 84% 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 Pacific Grove, CA goods and services come in at 14% higher than the average in California and are 25% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Pacific Grove is 34% higher than the California average.
  • The cost of living in Pacific Grove is 84% higher than the national average.
  • The cost of housing in Pacific Grove is 216% 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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Salary Calculator

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Groceries index
Health care index
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The salary calculator allows you to compare how much your current salary in Pacific Grove, CA 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 Pacific Grove, CA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Pacific Grove, CA 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)
Owners$93,819$7,818$2,189$2,815
Renters$59,875$4,990$1,397$1,796
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Pacific Grove, 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 Pacific Grove, CA homeowners have a median income of $93,819. Using that number, you will come up with a maximum of $2,189 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $59,875, which means there is a maximum of $1,397 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 Pacific Grove, 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

ItemPacific GroveNational avg.Difference
Haircut $17.55$15.5612.7%
Beauty Salon $40.77$36.1112.9%
Toothpaste $3.61$2.4745.8%
Shampoo $1.23$0.9627.1%
Movie $12.35$10.1321.9%
Bowling $7.64$4.7461.3%

Groceries

ItemPacific GroveNational avg.Difference
Ground Beef $6.33$3.9858.8%
Fried Chicken $2.69$1.4191.3%
Milk $2.92$2.0641.3%
Potatoes $4.70$2.9857.6%
Pizza $13.06$9.4737.8%
Beer $9.48$8.797.8%

Health Care

ItemPacific GroveNational avg.Difference
Optometrist $151.96$101.0450.4%
Doctor $141.39$107.4431.6%
Dentist $138.51$90.4253.2%
Ibuprofen $10.75$9.2815.8%
Lipitor $420.03$426.501.5%

Housing

ItemPacific GroveNational avg.Difference
Home Price $673,900.00$175,700.00283.6%
Avg. Mortgage Payment $6,195.07$1,133.23446.7%
Apartment Rent $1,447.00$920.0057.3%

Transportation

ItemPacific GroveNational avg.Difference
Gasoline $2.74$1.9937.6%
Tire Balancing $51.66$45.7612.9%

Utilities

ItemPacific GroveNational avg.Difference
All Electricity$204.04$163.8124.6%
Phone $24.95$28.3912.1%
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.
Boronda, CA1,27811818%
Castroville, CA6,22612828%
Moss Landing, CA20013737%
Marina, CA20,19814343%
Seaside, CA33,72914444%
Pacific Grove, CA15,36518484%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Hanover, PA15,36596-4%
Ladson, SC15,369100-0%
Eggertsville, NY15,35787-13%
Storrs, CT15,37412121%
Aldine, TX15,37585-15%
Pacific Grove, CA15,36518484%
Source: The Pacific Grove, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.