Cost of Living in Aptos, CA

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F
100%
Overall NAT. AVG.
13%
Groceries NAT. AVG.
294%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Aptos California National
Cost of living200141100
Groceries113111100
Health care117116100
Housing394197100
Transportation115118100
Utilities118119100
Lifestyle & Entertainment120120100
Household Items112111100
Education & Childcare130127100
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Homes For Sale In Aptos, CA

property for sale

2545 Mar Vista Dr

Aptos, CA
property for sale

587 Saint Andrews Dr

Aptos, CA
property for sale

136 Aptos Village Way #1

Aptos, CA
property for sale

255 Thunderbird Dr

Aptos, CA

Cost Of Living Quick Facts

  • The cost of living in Aptos is 42% higher than the California average
  • The cost of living in Aptos is 100% higher than the national average
  • Aptos housing is 294% higher than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Aptos

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      The best places in California

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$178,402$14,867$4,162$5,353
      Renters$129,151$10,763$3,013$3,875
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Aptos, 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 Aptos homeowners, is $178,402. This would allow for a maximum of $4,162 per month to be spent on housing costs. For renters, the median monthly income is $129,151 which would result in a maximum of $3,013 to be spent on rental costs.

      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% 13.3%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Moss Landing, CA3311716.7%
      Live Oak city, CA8,7861076.7%
      Live Oak, CA9,00711716.9%
      Paradise Park, CA47813737.3%
      Pajaro, CA3,58914241.8%
      Aptos, CA6,423200100.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Dayton, MN6,42312221.9%
      Everman, TX6,422909.9%
      Tarrant, AL6,4268514.8%
      Cynthiana, KY6,4198712.8%
      Crystal Lake, FL6,427945.7%
      Aptos, CA6,423200100.0%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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