| Index | Camarillo | California | National |
| Cost of living | 174 | 141 | 100 |
| Groceries | 112 | 111 | 100 |
| Health care | 118 | 116 | 100 |
| Housing | 310 | 197 | 100 |
| Transportation | 120 | 118 | 100 |
| Utilities | 117 | 119 | 100 |
| Lifestyle & Entertainment | 117 | 120 | 100 |
| Household Items | 110 | 111 | 100 |
| Education & Childcare | 124 | 127 | 100 |
Getting a feel for the cost of living in Camarillo is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Camarillo is 174, which is 74% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
If you value affordability in your search for a new place to live, Camarillo may not be the most suitable option, as it stands out as one of the priciest areas in the entire United States. Only a small fraction of regions have a cost of living that is more than 20% higher than the national average, and regrettably, Camarillo falls into this category, which may not align with your desire for an affordable place to call home.
When it comes to the cost of living in Camarillo, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 210.1% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.
The routine items you regularly buy for your home, such as cleaning supplies, personal care products, clothing basics, and kitchen essentials, make up 8% of the cost of living index. In Camarillo, these items cost 10.3% more than the national average, making day-to-day living a bit more expensive.
The cost of groceries continues to rise at an alarming rate. Over the last two years, grocery prices have increased by more than 10%! Unfortunately, in Camarillo, the news isn't any better as grocery prices are 11.6% higher than the national average.
Locals have the inside scoop on their city. So, we polled 6 residents in Camarillo to learn how they view the cost of living. We asked how they felt about the cost of living in their area, and if they thought that prices were increasing, decreasing or staying the same. The verdict? 33% find it reasonable with decreasing prices, but 67% think it's quite pricey, with prices that continue to rise.
Is Camarillo affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Camarillo, for instance, where the median home price falls 245.3% higher than the national average, and monthly rent rates are 128% higher than usual. Additionally, median income levels contribute to the equation, with Camarillo flaunting a median household income of $148,524, 82.6% higher than the national norm.
Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Camarillo, the utilities index registers at 16.6% higher than the national average.
Subsidies: Some cities and states may extend government subsidies or aid programs aimed at reducing the cost of living for their residents. These initiatives encompass diverse forms of support, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Regions with limited subsidy provisions may witness an increase in their overall cost of living.
Groceries: Over the past 2-3 years, grocery expenses have experienced substantial upward trends. In certain markets, food prices have surged by over 20% during this period, while others have witnessed more modest increases. These fluctuations in food costs can wield significant influence over the overall cost of living in a given region. In Camarillo, the groceries index is 11.6% higher than the national average.
The Camarillo cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $173,039 | $14,420 | $4,037 | $5,192 |
| Renters | $112,989 | $9,416 | $2,636 | $3,390 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Piru, CA | 2,198 | 133 | 33.3% |
| Saticoy, CA | 1,808 | 142 | 41.7% |
| Santa Paula, CA | 31,101 | 142 | 42.2% |
| Fillmore, CA | 16,243 | 145 | 44.6% |
| Port Hueneme, CA | 22,490 | 148 | 48.3% |
| Camarillo, CA | 70,382 | 174 | 74.4% |
| City | Population | Cost of Living Index | National Avg. |
| Norfolk County, ON | 70,339 | n/a | |
| Palatine, IL | 70,310 | 115 | 14.9% |
| Homestead, FL | 70,473 | 113 | 12.9% |
| Redmond, WA | 70,521 | 191 | 90.6% |
| Yorba Linda, CA | 70,241 | 204 | 104.5% |
| Camarillo, CA | 70,382 | 174 | 74.4% |
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