Yuma 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.
IndexYumaArizonaNational
Cost of living index9997100
IndexYumaArizonaNational
Goods & Services index10897100
Groceries index10898100
Health care index96100100
Housing index7894100
Transportation index9599100
Utilities index12399100
A general overview of the cost of living index for Yuma, AZ is displayed above. In Yuma, AZ, the overall cost of living index is 99, which is 2% higher than the Arizona average and 1% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Yuma, AZ, the city's goods and services are 12% higher than the Arizona average and 8% higher than the U.S. average.

Did you know?

  • The cost of living in Yuma is 2% higher than the Arizona average.
  • The cost of living in Yuma is 1% lower than the national average.
  • The cost of housing in Yuma is 22% lower than the national average.
  • Arizona general sales tax is 10% higher than the national average.
  • Arizona state income tax is 16% higher than the national average.

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Compare Yuma, AZ Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current salary in Yuma, AZ to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Yuma, AZ, then you would need to earn more income in order to maintain the same standard of living. To use the Yuma, AZ salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$54,223$4,519$1,265$1,627
Renters$32,223$2,685$752$967
If you want to find a good determining factor for the cost of living and the general affordability of housing in Yuma, AZ, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Yuma, AZ, the median monthly income is $54,223 for those who own their own homes. Under the standard rule, that income level would allow for $1,265 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $32,223, per the median income in the area. That would allow for renters to spend up to $752 on monthly rental expenses.

Arizona Sales Tax

StateGeneral Sales TaxWith Max Surtax
Arizona5.6%10.725%

Arizona Income Tax

StateIncome Tax (Low)Income Tax (High)
Arizona2.59%4.54%
For those who live in Yuma, AZ and want to know what the true cost of living is, they ought to look at both the Arizona income tax rate and the Arizona 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 Arizona, the sales tax is 5.6%, while the most you'll pay in surtax is 10.725%. 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 Arizona, the income tax rate ranges between 2.59% to 4.54%.

Goods & Services

ItemYumaNational avg.Difference
Haircut $10.00$14.5931.5%
Beauty Salon $27.74$34.6820.0%
Toothpaste $3.52$2.4742.3%
Shampoo $1.02$1.020.2%
Movie $8.50$9.8713.9%
Bowling $3.50$4.3920.3%

Groceries

ItemYumaNational avg.Difference
Ground Beef $4.83$4.487.9%
Fried Chicken $1.51$1.463.1%
Milk $1.80$2.3623.6%
Potatoes $2.59$3.0615.4%
Pizza $11.00$9.2419.0%
Beer $9.28$8.637.5%

Health Care

ItemYumaNational avg.Difference
Optometrist $91.00$99.788.8%
Doctor $120.00$105.0314.2%
Dentist $80.20$88.709.6%
Ibuprofen $8.45$9.4110.2%
Lipitor $260.17$298.5012.8%

Housing

ItemYumaNational avg.Difference
Home Price $122,100.00$175,700.0030.5%
Avg. Mortgage Payment $951.20$1,081.0312.0%
Apartment Rent $885.00$920.003.8%

Transportation

ItemYumaNational avg.Difference
Gasoline $2.07$2.090.9%
Tire Balancing $38.00$45.2916.1%

Utilities

ItemYumaNational avg.Difference
All Electricity$209.73$170.8022.8%
Phone $35.01$28.2623.9%
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.
Buckshot, AZ094-6%
Padre Ranchitos, AZ34578-22%
Drysdale, AZ17584-16%
Avenue B and C, AZ4,05985-15%
Wall Lane, AZ75485-15%
Yuma, AZ93,07899-1%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Quincy, MA92,92014141%
Arden-Arcade, CA92,84412121%
Tuscaloosa, AL93,32595-5%
Lee's Summit, MO92,813100-0%
Yakima, WA92,80693-7%
Yuma, AZ93,07899-1%
Source: The Yuma, AZ cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.