Saratoga 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.
IndexSaratogaCaliforniaNational
Cost of living index222135100
IndexSaratogaCaliforniaNational
Goods & Services index115107100
Groceries index124117100
Health care index119109100
Housing index464189100
Transportation index131125100
Utilities index108116100
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 222. This index is 64% higher than the California average, and 122% 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 8% higher than it is in California, and it is 15% higher than the national average.

Did you know?

  • The cost of living in Saratoga is 64% higher than the California average.
  • The cost of living in Saratoga is 122% higher than the national average.
  • The cost of housing in Saratoga is 364% 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 Saratoga, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Goods & Services index
Groceries index
Health care index
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Transportation index
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The salary calculator is used in order to provide a comparison of your current salary in Saratoga, CA to another city of your choice. The calculator will inform you of what your salary needs to be in any specific city in order for you to maintain your living standard based on what the city’s cost of living is. As an example, if you are seeking to move to a city that has a higher cost of living compared to Saratoga, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Saratoga, CA salary calculator, input the new city’s name and then move the slider to indicate your current income. The salary calculator will now process the numbers and show you whether you need to earn more or less in the chosen city. A comprehensive breakdown of the cost of living will also be shown.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$181,038$15,087$4,224$5,432
Renters$84,609$7,051$1,974$2,539
One can approximate the cost of living and the housing affordability in Saratoga, 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 Saratoga, CA have a median income of $181,038. Therefore, the amount that a consumer should spend on housing costs should be no more than $4,224 per month to avoid calamity and poverty. The renters in the city have an income of about $84,609, which would make their monthly maximum allowable rental costs $1,974.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax
California7.5%10%

California Income Tax

StateIncome Tax (Low)Income Tax (High)
California1%12.3%
For those who live in Saratoga, CA and want to know what the true cost of living is, they ought to look at both the California income tax rate and the California sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In California, the sales tax is 7.5%, while the most you'll pay in surtax is 10%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in California, the income tax rate ranges between 1% to 12.3%.

Goods & Services

ItemSaratogaNational 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

ItemSaratogaNational 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

ItemSaratogaNational 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

ItemSaratogaNational avg.Difference
Home Price $2,384,200.00$175,700.001,257.0%
Avg. Mortgage Payment $3,294.70$1,081.03204.8%
Apartment Rent $2,001.00$920.00117.5%

Transportation

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

Utilities

ItemSaratogaNational 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.
Lompico, CA90012626%
Mountain View, CA2,29912626%
Zayante, CA85313636%
East Palo Alto, CA28,92014343%
Alum Rock, CA10,99213838%
Saratoga, CA30,627222122%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Manchester, CT30,62111616%
Shawnee, OK30,60979-21%
Westfield, NJ30,64717171%
Springville, UT30,6491022%
Newington, CT30,65212424%
Saratoga, CA30,627222122%
Source: The Saratoga, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.