An overview of the general cost of living index for Saratoga, CA is displayed above for your reference. Residents in Saratoga, CA enjoy a cost of living index of 393. This index is 188% higher than the California average, and 293% 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 Saratoga, CA, the average cost of goods and services is 14% higher than it is in California, and it is 25% higher than the national average.