San Bernardino 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.
IndexSan BernardinoCaliforniaNational
Cost of living index104135100
IndexSan BernardinoCaliforniaNational
Goods & Services index104107100
Groceries index109117100
Health care index104109100
Housing index91189100
Transportation index127125100
Utilities index113116100
A general summary of the cost of living index in San Bernardino, CA is shown above. Compared to the state average of California the cost of living index in San Bernardino, CA is 104, which is 23% lower than the average in California and compared to the national average it is 4% 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 San Bernardino, CA goods and services come in at 3% lower than the average in California and are 4% higher than compared to the nationwide average.

Did you know?

  • The cost of living in San Bernardino is 23% lower than the California average.
  • The cost of living in San Bernardino is 4% higher than the national average.
  • The cost of housing in San Bernardino is 9% lower 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 is meant to help you compare your salary in San Bernardino, 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 San Bernardino, CA, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the San Bernardino, 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)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in San Bernardino, CA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for San Bernardino, CA homeowners, is $53,895. This would allow for a maximum of $1,257 per month to be spent on housing costs. For renters, the median monthly income is $25,137 which would result in a maximum of $586 to be spent on rental costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax

California Income Tax

StateIncome Tax (Low)Income Tax (High)
When considering the overall cost of living expenses in San Bernardino, CA, it's important to take into account the sales tax for California, as well as the rate for income tax in California. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for California is 10%, and the sales tax in the state of California is 7.5%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in California starts from 1% and goes up to 12.3%.

Goods & Services

ItemSan BernardinoNational avg.Difference
Haircut $18.89$14.5929.4%
Beauty Salon $60.96$34.6875.8%
Toothpaste $2.59$2.474.7%
Shampoo $1.09$1.026.7%
Movie $12.50$9.8726.7%
Bowling $5.79$4.3931.8%


ItemSan BernardinoNational avg.Difference
Ground Beef $4.49$4.480.3%
Fried Chicken $1.74$1.4618.8%
Milk $2.69$2.3614.1%
Potatoes $3.32$3.068.4%
Pizza $9.00$9.242.6%
Beer $9.35$8.638.3%

Health Care

ItemSan BernardinoNational avg.Difference
Optometrist $104.42$99.784.7%
Doctor $95.57$105.039.0%
Dentist $102.40$88.7015.4%
Ibuprofen $11.60$9.4123.2%
Lipitor $281.41$298.505.7%


ItemSan BernardinoNational avg.Difference
Home Price $151,400.00$175,700.0013.8%
Avg. Mortgage Payment $2,759.31$1,081.03155.2%
Apartment Rent $944.00$920.002.6%


ItemSan BernardinoNational avg.Difference
Gasoline $2.61$2.0924.8%
Tire Balancing $60.00$45.2932.5%


ItemSan BernardinoNational avg.Difference
All Electricity$186.13$170.809.0%
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.
Muscoy, CA11,6741055%
Colton, CA53,1291055%
Calimesa, CA8,1431066%
Crestline, CA9,4371077%
Bloomington, CA25,2281088%
San Bernardino, CA213,0441044%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Birmingham, AL211,70585-15%
Boise, ID211,65595-5%
Richmond, VA211,0631011%
Rochester, NY210,46189-11%
Spokane, WA210,14292-8%
San Bernardino, CA213,0441044%
Source: The San Bernardino, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.