F
64%
Overall NAT. AVG.
12%
Goods & Services NAT. AVG.
190%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Westminster California National
Cost of living164140100
Goods & Services112111100
Groceries113112100
Health care99109100
Housing290196100
Transportation124126100
Utilities94127100

An Overview of Cost of Living in Westminster, CA

Knowing the cost of living in Westminster allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Westminster stands at 164, marking it 64% higher than the national average.

If you prioritize affordability when seeking a new place to live, Westminster may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Westminster falls into this category, which may not align with your preferences for a budget-friendly living environment.

Housing costs are a major factor in the Westminster cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 189.8% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.

Goods and services make up 33% of the total cost of living index score and are a large part of your everyday expenses. These items could include things like haircuts, salons, toothpaste, shampoo, clothes, movies, bowling, gym memberships or yoga. In Westminster, you can expect to pay 12% more than average for these items, making it a more expensive place to live.

The relentless increase in grocery prices is a noteworthy trend. In the last two years, grocery costs have experienced an upward trajectory of over 10%. Unfortunately, Westminster is no exception, where grocery prices are 13.1% above the national average.

What Do Locals Say About the Cost of Living in Westminster?

When it comes to knowing a city, its residents are the experts. We conducted a survey with 8 locals to understand their opinions on the cost of living in Westminster. The results indicated that 25% found it reasonably priced with decreasing prices of goods and services, while 75% viewed it as quite expensive, with increasing prices.

Is Westminster Affordable?

Is Westminster an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Westminster is 237.8% higher than the national average, while the average monthly rent prices are 77.7% higher than average. The affordability of any location can also be influenced by median income levels. Westminster has a median household income of $67,142, which is 21.4% higher than the national average.

What Factors can Influence the Cost of Living in Westminster?

Urbanization: Urban areas with extensive amenities and job opportunities tend to have a higher cost of living due to increased demand for services and relocation, resulting in higher home prices and higher rents. Less densely populated rural areas, or areas with less demand tend to have fewer amenities and slower job growth, which results in a lower cost of living.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Westminster, the prevailing sales tax rate starts at 7.25%, and income tax rates kick off at 1%.

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Westminster, the utilities index registers 5.9% lower than the national average.

Where is the Data From?

The Westminster cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Westminster is 18% higher than the California average
  • The cost of living in Westminster is 64% higher than the national average
  • Westminster housing is 190% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 56% lower than the national average

Most Affordable Places to Live in and Around Westminster

See all the best places to live around Westminster

Compare Westminster, CA Cost of Living

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      Salary Calculator

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      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$96,230$8,019$2,245$2,887
      Renters$40,502$3,375$945$1,215
      To approximate the cost of living and the housing affordability in Westminster, CA, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Westminster have a median income of $96,230. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,245 per month to avoid calamity and poverty. The renters in the city have an income of about $40,502, which would make their monthly maximum allowable rental costs $945.

      California Sales Tax

      State General Sales Tax With Max Surtax
      California 7.25% 10.5%

      California Income Tax

      State Income Tax (Low) Income Tax (High)
      California 1% 12.3%

      Goods & Services

      Item Westminster National avg. Difference
      Haircut $27.27$24.2612.4%
      Beauty Salon $41.78$45.568.3%
      Toothpaste $3.61$3.702.6%
      Shampoo $1.34$1.284.9%
      Movie $11.04$12.139.0%
      Bowling $21.11$18.0017.3%

      Groceries

      Item Westminster National avg. Difference
      Ground Beef $5.89$5.840.8%
      Fried Chicken $3.49$1.57121.9%
      Milk $4.92$4.675.4%
      Potatoes $4.92$4.930.3%
      Pizza $15.31$12.0926.6%
      Beer $10.26$10.411.4%

      Health Care

      Item Westminster National avg. Difference
      Optometrist $112.92$125.6810.2%
      Doctor $95.50$135.7829.7%
      Dentist $117.28$113.293.5%
      Ibuprofen $10.58$10.650.7%
      Lipitor $521.17$468.6011.2%

      Housing

      Item Westminster National avg. Difference
      Home Price $624,000.00$184,700.00237.8%
      Avg. Mortgage Payment $2,441.43$2,346.694.0%
      Apartment Rent $1,686.00$949.0077.7%

      Transportation

      Item Westminster National avg. Difference
      Gasoline $4.75$3.4637.3%
      Tire Balancing $61.38$59.922.4%

      Utilities

      Item Westminster National avg. Difference
      All Electricity $378.97$193.9995.4%
      Phone $180.31$192.256.2%
      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 Population Cost of Living Index National Avg.
      Willowbrook, CA24,40113333.3%
      Compton, CA95,80413636.2%
      Florence-Graham, CA64,78713736.5%
      East Rancho Dominguez, CA15,25213736.7%
      Paramount, CA53,94913938.9%
      Westminster, CA90,85716464.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bellingham, WA90,82113837.6%
      Santa Barbara, CA90,911221121.3%
      Kirkland, WA91,14618383.4%
      San Leandro, CA90,48917271.8%
      Carson, CA91,35415252.1%
      Westminster, CA90,85716464.4%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.