C
Overall 2%
Goods & Services 12%
Housing 11%
Date & Last Updated: This data reflects 2019 and was released from C2ER in January, 2020; 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.
IndexAtwaterCaliforniaNational
Cost of living98140100
Goods & Services88111100
Groceries105118100
Health care111113100
Housing89196100
Transportation111128100
Utilities129118100

Key findings

  • The cost of living in Atwater is 30% lower than the California average
  • The cost of living in Atwater is 2% lower than the national average
  • Atwater housing is 11% lower than the national average
  • California general sales tax is 42% higher than the national average
  • California state income tax is 55% lower than the national average

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Compare Atwater, CA Cost of Living

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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 IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
      Owners$63,003$5,250$1,470$1,890
      Renters$32,714$2,726$763$982
      The affordability of the housing market in Atwater, CA as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Atwater homeowners, the median income is $63,003. This indicates that a monthly maximum of $1,470 should be spent by homeowners on all housing related costs. Renters have a median income of $32,714. This indicates that renters would have a maximum of $763 for their rent related monthly costs.

      California Sales Tax

      StateGeneral Sales TaxWith Max Surtax
      California7.25%10.5%

      California Income Tax

      StateIncome Tax (Low)Income Tax (High)
      California1%13.3%

      Goods & Services

      ItemAtwaterNational avg.Difference
      Haircut $27.50$17.4957.2%
      Beauty Salon $50.52$38.1732.4%
      Toothpaste $2.52$2.328.6%
      Shampoo $1.06$1.014.8%
      Movie $15.05$10.7240.3%
      Bowling $18.25$13.8631.7%

      Groceries

      ItemAtwaterNational avg.Difference
      Ground Beef $4.36$3.9011.8%
      Fried Chicken $2.03$1.4045.4%
      Milk $2.27$1.9615.7%
      Potatoes $3.20$3.180.5%
      Pizza $10.74$10.393.3%
      Beer $8.99$9.232.6%

      Health Care

      ItemAtwaterNational avg.Difference
      Optometrist $127.00$106.3419.4%
      Doctor $148.00$115.2528.4%
      Dentist $99.60$98.381.2%
      Ibuprofen $10.06$9.268.6%
      Lipitor $502.77$466.477.8%

      Housing

      ItemAtwaterNational avg.Difference
      Home Price $160,200.00$184,700.0013.3%
      Avg. Mortgage Payment $1,556.13$1,273.3222.2%
      Apartment Rent $897.00$949.005.5%

      Transportation

      ItemAtwaterNational avg.Difference
      Gasoline $3.24$2.5925.0%
      Tire Balancing $45.00$48.908.0%

      Utilities

      ItemAtwaterNational avg.Difference
      All Electricity$260.15$167.6055.2%
      Phone $173.87$163.426.4%
      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.
      Tuttle, CA691022%
      University of California-Merced, CA01022%
      Bear Creek, CA11292-8%
      Winton, CA11,30993-7%
      Ballico, CA31895-5%
      Atwater, CA28,90698-2%

      Cities with similar population

      City, StatePopulationCost of Living IndexNational Avg.
      Lake in the Hills, IL28,9081044%
      Wellesley, MA28,909214114%
      Schererville, IN28,8991088%
      Golden Gate, FL28,9281022%
      Rahway, NJ28,88412020%
      Atwater, CA28,90698-2%
      Source: The Atwater, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.