San Mateo 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 MateoCaliforniaNational
Cost of living index190137100
IndexSan MateoCaliforniaNational
Goods & Services index119109100
Groceries index131118100
Health care index119111100
Housing index349189100
Transportation index136130100
Utilities index107112100
A general summary of the cost of living index in San Mateo, CA is shown above. Compared to the state average of California the cost of living index in San Mateo, CA is 190, which is 39% higher than the average in California and compared to the national average it is 90% 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 Mateo, CA goods and services come in at 9% higher than the average in California and are 19% higher than compared to the nationwide average.

Did you know?

  • The cost of living in San Mateo is 39% higher than the California average.
  • The cost of living in San Mateo is 90% higher than the national average.
  • The cost of housing in San Mateo is 249% 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 Mateo, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Health care index
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The salary calculator allows you to compare how much your current salary in San Mateo, 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 San Mateo, CA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The San Mateo, 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$114,485$9,540$2,671$3,435
Renters$67,390$5,616$1,572$2,022
How much of your monthly income goes to housing can tell you whether or not you can afford housing in San Mateo, CA, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In San Mateo, CA homeowners have a median income of $114,485. Using that number, you will come up with a maximum of $2,671 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $67,390, which means there is a maximum of $1,572 to be spent on the costs of renting a home or apartment.

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 San Mateo, 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

ItemSan MateoNational avg.Difference
Haircut $18.71$15.5620.2%
Beauty Salon $73.90$36.11104.7%
Toothpaste $3.20$2.4729.6%
Shampoo $1.17$0.9621.2%
Movie $12.75$10.1325.9%
Bowling $5.89$4.7424.5%

Groceries

ItemSan MateoNational avg.Difference
Ground Beef $4.13$3.983.7%
Fried Chicken $1.76$1.4124.8%
Milk $3.03$2.0646.8%
Potatoes $3.32$2.9811.2%
Pizza $11.00$9.4716.1%
Beer $9.59$8.799.0%

Health Care

ItemSan MateoNational avg.Difference
Optometrist $122.57$101.0421.3%
Doctor $129.25$107.4420.3%
Dentist $118.69$90.4231.3%
Ibuprofen $11.70$9.2826.1%
Lipitor $391.33$426.508.2%

Housing

ItemSan MateoNational avg.Difference
Home Price $736,600.00$175,700.00319.2%
Avg. Mortgage Payment $3,530.00$1,133.23211.5%
Apartment Rent $1,710.00$920.0085.9%

Transportation

ItemSan MateoNational avg.Difference
Gasoline $2.89$1.9945.0%
Tire Balancing $53.17$45.7616.2%

Utilities

ItemSan MateoNational avg.Difference
All Electricity$203.84$163.8124.4%
Phone $24.12$28.3915.0%
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, CA2,29913232%
Ashland, CA23,36012828%
Cherryland, CA15,24412929%
Hayward, CA149,59613737%
San Lorenzo, CA24,56313939%
San Mateo, CA100,11419090%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Spring Hill, FL100,27091-9%
Lakeland, FL99,94290-10%
Las Cruces, NM100,36095-5%
South Bend, IN100,42282-18%
Kenosha, WI99,70995-5%
San Mateo, CA100,11419090%
Source: The San Mateo, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.