San Jose 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 JoseCaliforniaNational
Cost of living index160135100
IndexSan JoseCaliforniaNational
Goods & Services index104107100
Groceries index110117100
Health care index103109100
Housing index281189100
Transportation index114125100
Utilities index113116100
The above illustration supplies generalized information for the San Jose, CA cost of living index. Compared to other cities in California and cities across the country, the cost of living index in San Jose, CA is 160, which is 18% higher than the California average and 60% higher than that for the entire country. The index is comprised of the following criteria: cost of retail goods and services (33%), groceries (13%), health care (5%), housing (30%), cost of public/private transportation (9%) and utilities (10%). Everyday goods and services, along with housing account for 63 percent of the total cost of living index. Goods and services that are a necessity regardless of location provide an accurate general sense of the cost of living in one city versus another. As seen above, the cost of retail goods and services in San Jose, CA are 2% lower than the average for California and 4% higher than the rest of the country.

Did you know?

  • The cost of living in San Jose is 18% higher than the California average.
  • The cost of living in San Jose is 60% higher than the national average.
  • The cost of housing in San Jose is 181% 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 San Jose, CA Cost of living To Other Cities

Salary Calculator

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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 Jose, 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 Jose, 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 Jose, 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$111,393$9,283$2,599$3,342
Renters$52,827$4,402$1,233$1,585
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in San Jose, 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 Jose, CA homeowners, is $111,393. This would allow for a maximum of $2,599 per month to be spent on housing costs. For renters, the median monthly income is $52,827 which would result in a maximum of $1,233 to be spent on rental costs.

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 San Jose, 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

ItemSan JoseNational avg.Difference
Haircut $16.49$14.5913.0%
Beauty Salon $43.50$34.6825.4%
Toothpaste $2.39$2.473.4%
Shampoo $1.39$1.0236.0%
Movie $10.25$9.873.9%
Bowling $4.00$4.398.9%

Groceries

ItemSan JoseNational avg.Difference
Ground Beef $5.15$4.4815.0%
Fried Chicken $1.61$1.4610.0%
Milk $2.76$2.3617.1%
Potatoes $3.19$3.064.2%
Pizza $13.17$9.2442.5%
Beer $8.99$8.634.1%

Health Care

ItemSan JoseNational avg.Difference
Optometrist $134.00$99.7834.3%
Doctor $91.50$105.0312.9%
Dentist $92.00$88.703.7%
Ibuprofen $10.75$9.4114.2%
Lipitor $316.62$298.506.1%

Housing

ItemSan JoseNational avg.Difference
Home Price $579,500.00$175,700.00229.8%
Avg. Mortgage Payment $1,906.33$1,081.0376.3%
Apartment Rent $1,528.00$920.0066.1%

Transportation

ItemSan JoseNational avg.Difference
Gasoline $2.53$2.0921.1%
Tire Balancing $43.33$45.294.3%

Utilities

ItemSan JoseNational avg.Difference
All Electricity$231.09$170.8035.3%
Phone $22.99$28.2618.6%
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.
Mountain View, CA2,29912626%
East Palo Alto, CA28,92014343%
Alum Rock, CA10,99213838%
Boulder Creek, CA4,74114848%
Burbank CDP, CA5,86914343%
San Jose, CA986,32016060%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Austin, TX864,2181077%
Jacksonville, FL837,53398-2%
Indianapolis, IN835,09788-12%
San Francisco, CA829,07218989%
Columbus, OH811,94389-11%
San Jose, CA986,32016060%
Source: The San Jose, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.