F
67%
Overall NAT. AVG.
14%
Goods & Services NAT. AVG.
178%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Pinole California National
Cost of living167140100
Goods & Services114111100
Groceries117112100
Health care121109100
Housing278196100
Transportation129126100
Utilities134127100

An Overview of Cost of Living in Pinole, CA

The cost of living in Pinole affects the quality of life one can afford in this new location. It allows people to assess whether they can maintain their preferred lifestyle, including housing, leisure activities and dining options. Your total monthly expenditures can varry depending on the area, as well as many other factors. The cost of living in Pinole is 167, which is 67% higher than the national average. Knowledge of the cost of living can help individuals make informed decisions about retirement savings, investments, and financial goals.

If you value affordability in your search for a new place to live, Pinole may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Pinole falls into this category, which may not align with your desire for an affordable place to call home.

Housing costs are a major factor in the Pinole cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 177.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Recurring goods and services expenses like haircuts, toothpaste, gym memberships and movie nights are a big part of your spending and make up 33% of the cost of living index. In Pinole, these items will cost you 14.1% more than what most folks pay, making it a bit more expensive to live here.

The relentless increase in grocery prices is a noteworthy trend. In the last two years, grocery costs have experienced an upward trajectory of over 10%. Unfortunately, Pinole is no exception, where grocery prices are 17.2% above the national average.

Is Pinole Affordable?

Wondering if Pinole is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Pinole, for example, the median home price is 207.5% higher than what folks pay nationally, and monthly rent is 108% higher than the usual rates. Plus, income levels matter too, with Pinole boasting a median household income of $104,904, which is 89.6% higher than the national average.

What Factors can Influence the Cost of Living in Pinole?

Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Pinole, the groceries index is 17.2% higher than the national average.

Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Pinole, the transportation index stands at 29.2% higher than the national average.

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Where is the Data From?

The Pinole cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Pinole is 20% higher than the California average
  • The cost of living in Pinole is 67% higher than the national average
  • Pinole housing is 178% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 56% lower than the national average

Most Affordable Places to Live in and Around Pinole

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Compare Pinole, CA Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$112,342$9,362$2,621$3,371
      Renters$77,976$6,498$1,819$2,340
      To approximate the cost of living and the housing affordability in Pinole, CA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Pinole have a median income of $112,342. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,621 per month to avoid calamity and poverty. The renters in the city have an income of about $77,976, which would make their monthly maximum allowable rental costs $1,819.

      California Sales Tax

      State General Sales Tax With Max Surtax
      California 7.25% 10.5%

      California Income Tax

      State Income Tax (Low) Income Tax (High)
      California 1% 12.3%

      Goods & Services

      Item Pinole National avg. Difference
      Haircut $25.00$24.263.0%
      Beauty Salon $76.00$45.5666.8%
      Toothpaste $3.64$3.701.7%
      Shampoo $1.45$1.2813.5%
      Movie $16.46$12.1335.7%
      Bowling $27.22$18.0051.2%

      Groceries

      Item Pinole National avg. Difference
      Ground Beef $5.70$5.842.3%
      Fried Chicken $3.43$1.57118.2%
      Milk $4.91$4.675.1%
      Potatoes $4.87$4.931.3%
      Pizza $13.49$12.0911.6%
      Beer $11.18$10.417.4%

      Health Care

      Item Pinole National avg. Difference
      Optometrist $137.40$125.689.3%
      Doctor $110.00$135.7819.0%
      Dentist $118.27$113.294.4%
      Ibuprofen $11.76$10.6510.4%
      Lipitor $508.17$468.608.4%

      Housing

      Item Pinole National avg. Difference
      Home Price $567,900.00$184,700.00207.5%
      Avg. Mortgage Payment $6,553.90$2,346.69179.3%
      Apartment Rent $1,974.00$949.00108.0%

      Transportation

      Item Pinole National avg. Difference
      Gasoline $4.60$3.4633.0%
      Tire Balancing $60.97$59.921.7%

      Utilities

      Item Pinole National avg. Difference
      All Electricity $182.51$193.995.9%
      Phone $180.31$192.256.2%
      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 Population Cost of Living Index National Avg.
      Port Costa, CA24212020.0%
      Strawberry CDP (Tuolumne County), CA11612524.6%
      Pacheco, CA4,77511615.7%
      El Cerrito CDP, CA5,69914039.6%
      San Pablo, CA30,95914242.0%
      Pinole, CA19,34316767.3%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Plattsburgh, NY19,3431010.5%
      Louisville, CO19,34215757.2%
      Foley, AL19,337963.5%
      Brigham City, UT19,336990.9%
      Englewood, FL19,3321043.8%
      Pinole, CA19,34316767.3%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.