Rancho San Diego 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.
IndexRancho San DiegoCaliforniaNational
Cost of living index151135100
IndexRancho San DiegoCaliforniaNational
Goods & Services index105107100
Groceries index109117100
Health care index111109100
Housing index243189100
Transportation index124125100
Utilities index122116100
Here we can see a simple outline of the cost of living in Rancho San Diego, CA. As you can see, with the average cost of living in Rancho San Diego, CA being 151, that puts it 12% higher than the average of California and 51% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Rancho San Diego, CA, the price of goods and services are 1% lower than the average of California as well as 5% higher than the nation's average.

Did you know?

  • The cost of living in Rancho San Diego is 12% higher than the California average.
  • The cost of living in Rancho San Diego is 51% higher than the national average.
  • The cost of housing in Rancho San Diego is 143% 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 Rancho San Diego, 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 meant to help you compare your salary in Rancho San Diego, CA to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in Rancho San Diego, CA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the Rancho San Diego, CA salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$95,025$7,919$2,217$2,851
Renters$49,552$4,129$1,156$1,487
If you want to find a good determining factor for the cost of living and the general affordability of housing in Rancho San Diego, CA, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Rancho San Diego, CA, the median monthly income is $95,025 for those who own their own homes. Under the standard rule, that income level would allow for $2,217 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $49,552, per the median income in the area. That would allow for renters to spend up to $1,156 on monthly rental expenses.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
The California sales tax and California income tax rates should definitely be considered when determining the overall cost of living in Rancho San Diego, CA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The California sales tax is 7.5% and the maximum surtax is 10%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The California income tax rates range from 1% to 12.3%.

Goods & Services

ItemRancho San DiegoNational avg.Difference
Haircut $18.53$14.5927.0%
Beauty Salon $57.27$34.6865.1%
Toothpaste $2.74$2.4710.8%
Shampoo $1.11$1.028.6%
Movie $12.40$9.8725.7%
Bowling $5.52$4.3925.7%

Groceries

ItemRancho San DiegoNational avg.Difference
Ground Beef $4.49$4.480.3%
Fried Chicken $1.54$1.465.2%
Milk $2.54$2.367.8%
Potatoes $3.32$3.068.4%
Pizza $8.00$9.2413.4%
Beer $9.38$8.638.7%

Health Care

ItemRancho San DiegoNational avg.Difference
Optometrist $104.65$99.784.9%
Doctor $109.87$105.034.6%
Dentist $109.00$88.7022.9%
Ibuprofen $12.99$9.4138.0%
Lipitor $280.93$298.505.9%

Housing

ItemRancho San DiegoNational avg.Difference
Home Price $479,600.00$175,700.00173.0%
Avg. Mortgage Payment $2,436.52$1,081.03125.4%
Apartment Rent $1,605.00$920.0074.5%

Transportation

ItemRancho San DiegoNational avg.Difference
Gasoline $2.74$2.0931.0%
Tire Balancing $47.16$45.294.1%

Utilities

ItemRancho San DiegoNational avg.Difference
All Electricity$214.73$170.8025.7%
Phone $33.30$28.2617.8%
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.
Spring Valley, CA1,0001088%
Bostonia, CA16,46012020%
National City, CA59,54312020%
La Presa, CA34,73912424%
Lemon Grove, CA25,96312525%
Rancho San Diego, CA21,51415151%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Ashland, KY21,55182-18%
Oxford, OH21,55290-10%
Canyon Lake, TX21,46994-6%
Ramona, CA21,57813333%
Clarksville, IN21,57990-10%
Rancho San Diego, CA21,51415151%
Source: The Rancho San Diego, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.