Sacramento 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.
IndexSacramentoCaliforniaNational
Cost of living index116135100
IndexSacramentoCaliforniaNational
Goods & Services index106107100
Groceries index124117100
Health care index102109100
Housing index124189100
Transportation index120125100
Utilities index116116100
An overview of the general cost of living index for Sacramento, CA is displayed above for your reference. Residents in Sacramento, CA enjoy a cost of living index of 116. This index is 14% lower than the California average, and 16% higher 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 Sacramento, CA, the average cost of goods and services is 1% lower than it is in California, and it is 6% higher than the national average.

Did you know?

  • The cost of living in Sacramento is 14% lower than the California average.
  • The cost of living in Sacramento is 16% higher than the national average.
  • The cost of housing in Sacramento is 24% 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

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 Sacramento, 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 Sacramento, CA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Sacramento, 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$72,549$6,046$1,693$2,177
Renters$34,250$2,854$799$1,028
The affordability of the housing market in Sacramento, CA as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Sacramento, CA homeowners, the median income is $72,549. This indicates that a monthly maximum of $1,693 should be spent by homeowners on all housing related costs. Renters have a median income of $34,250. This indicates that renters should have a maximum of $799 used for their rent related monthly costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
One thing to keep in mind when considering the cost of living in Sacramento, 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

ItemSacramentoNational avg.Difference
Haircut $15.00$14.592.8%
Beauty Salon $38.60$34.6811.3%
Toothpaste $3.23$2.4730.6%
Shampoo $1.33$1.0230.1%
Movie $10.50$9.876.4%
Bowling $4.13$4.396.0%

Groceries

ItemSacramentoNational avg.Difference
Ground Beef $4.71$4.485.2%
Fried Chicken $1.67$1.4614.1%
Milk $2.88$2.3622.2%
Potatoes $3.59$3.0617.3%
Pizza $13.29$9.2443.8%
Beer $8.99$8.634.1%

Health Care

ItemSacramentoNational avg.Difference
Optometrist $126.33$99.7826.6%
Doctor $101.25$105.033.6%
Dentist $85.71$88.703.4%
Ibuprofen $11.39$9.4121.0%
Lipitor $310.31$298.504.0%

Housing

ItemSacramentoNational avg.Difference
Home Price $228,400.00$175,700.0030.0%
Avg. Mortgage Payment $1,229.16$1,081.0313.7%
Apartment Rent $1,008.00$920.009.6%

Transportation

ItemSacramentoNational avg.Difference
Gasoline $2.52$2.0920.5%
Tire Balancing $54.04$45.2919.3%

Utilities

ItemSacramentoNational avg.Difference
All Electricity$231.09$170.8035.3%
Phone $24.95$28.2611.7%
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.
McClellan Park, CA1,1031000%
Fruitridge Pocket, CA5,8021011%
North Highlands, CA44,8991055%
Florin, CA50,7911066%
Parkway, CA14,7561066%
Sacramento, CA476,07511616%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Long Beach, CA468,59413838%
Kansas City, MO465,00591-9%
Mesa, AZ452,09192-8%
Fresno, CA506,1321044%
Virginia Beach, VA445,62311313%
Sacramento, CA476,07511616%
Source: The Sacramento, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.