Watsonville 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.
Cost of living index126135100
Goods & Services index104107100
Groceries index110117100
Health care index103109100
Housing index169189100
Transportation index114125100
Utilities index113116100
An overview of the general cost of living index for Watsonville, CA is displayed above for your reference. Residents in Watsonville, CA enjoy a cost of living index of 126. This index is 7% lower than the California average, and 26% 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 Watsonville, CA, the average cost of goods and services is 2% lower than it is in California, and it is 4% higher than the national average.

Did you know?

  • The cost of living in Watsonville is 7% lower than the California average.
  • The cost of living in Watsonville is 26% higher than the national average.
  • The cost of housing in Watsonville is 69% 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 Watsonville, CA Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is used in order to provide a comparison of your current salary in Watsonville, 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 Watsonville, CA, you would have to earn a higher income to maintain a standard of living that is similar. To get started with the Watsonville, 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)
The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Watsonville, 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 Watsonville, CA homeowners, is $74,621. This would allow for a maximum of $1,741 per month to be spent on housing costs. For renters, the median monthly income is $35,750 which would result in a maximum of $834 to be spent on rental costs.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax

California Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Watsonville, 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

ItemWatsonvilleNational 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%


ItemWatsonvilleNational 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

ItemWatsonvilleNational 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%


ItemWatsonvilleNational avg.Difference
Home Price $325,500.00$175,700.0085.3%
Avg. Mortgage Payment $1,906.33$1,081.0376.3%
Apartment Rent $1,203.00$920.0030.8%


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


ItemWatsonvilleNational 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.
Castroville, CA6,22611515%
Pajaro, CA2,95712020%
Amesti, CA3,21312323%
Moss Landing, CA20012424%
Las Lomas, CA3,40912828%
Watsonville, CA52,08512626%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Stratford, CT52,09212727%
Pflugerville, TX52,13896-4%
Oak Park, IL51,98812727%
Lehi, UT51,98211010%
Hoboken, NJ51,97918282%
Watsonville, CA52,08512626%
Source: The Watsonville, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.