San Pablo 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 PabloCaliforniaNational
Cost of living index115135100
IndexSan PabloCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index108189100
Transportation index131125100
Utilities index108116100
The above illustration supplies generalized information for the San Pablo, CA cost of living index. Compared to other cities in California and cities across the country, the cost of living index in San Pablo, CA is 115, which is 15% lower than the California average and 15% 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 Pablo, CA are 8% higher than the average for California and 15% higher than the rest of the country.

Did you know?

  • The cost of living in San Pablo is 15% lower than the California average.
  • The cost of living in San Pablo is 15% higher than the national average.
  • The cost of housing in San Pablo is 8% 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 Pablo, CA Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in San Pablo, CA to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of San Pablo, CA, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the San Pablo, CA salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$59,146$4,929$1,380$1,775
Renters$33,737$2,811$787$1,012
One can approximate the cost of living and the housing affordability in San Pablo, CA by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in San Pablo, CA have a median income of $59,146. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,380 per month to avoid calamity and poverty. The renters in the city have an income of about $33,737, which would make their monthly maximum allowable rental costs $787.

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 Pablo, 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 PabloNational avg.Difference
Haircut $18.44$14.5926.4%
Beauty Salon $59.40$34.6871.3%
Toothpaste $3.14$2.4727.0%
Shampoo $1.09$1.026.7%
Movie $11.00$9.8711.5%
Bowling $6.63$4.3951.0%

Groceries

ItemSan PabloNational avg.Difference
Ground Beef $3.97$4.4811.3%
Fried Chicken $2.07$1.4641.4%
Milk $2.77$2.3617.5%
Potatoes $3.69$3.0620.5%
Pizza $9.00$9.242.6%
Beer $9.93$8.6315.0%

Health Care

ItemSan PabloNational avg.Difference
Optometrist $120.44$99.7820.7%
Doctor $127.57$105.0321.5%
Dentist $122.43$88.7038.0%
Ibuprofen $11.97$9.4127.2%
Lipitor $254.50$298.5014.7%

Housing

ItemSan PabloNational avg.Difference
Home Price $183,300.00$175,700.004.3%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $1,076.00$920.0017.0%

Transportation

ItemSan PabloNational avg.Difference
Gasoline $2.80$2.0933.8%
Tire Balancing $55.37$45.2922.3%

Utilities

ItemSan PabloNational avg.Difference
All Electricity$213.39$170.8024.9%
Phone $24.12$28.2614.6%
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.
Pacheco, CA4,2951077%
Rollingwood, CA2,83211616%
Montalvin Manor, CA3,05511616%
North Richmond, CA3,92612121%
Vallejo, CA118,07812121%
San Pablo, CA29,51611515%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Raytown, MO29,52088-12%
Port Huron, MI29,53483-17%
Needham, MA29,54018282%
Elizabethtown, KY29,46494-6%
Clermont, FL29,5821011%
San Pablo, CA29,51611515%
Source: The San Pablo, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.