| Index | Chino | California | National |
| Cost of living | 154 | 141 | 100 |
| Groceries | 112 | 111 | 100 |
| Health care | 116 | 116 | 100 |
| Housing | 242 | 197 | 100 |
| Transportation | 115 | 118 | 100 |
| Utilities | 121 | 119 | 100 |
| Lifestyle & Entertainment | 116 | 120 | 100 |
| Household Items | 112 | 111 | 100 |
| Education & Childcare | 132 | 127 | 100 |
Understanding the cost of living in Chino can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Chino cost of living index is 154, which is 54% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
If you're in pursuit of an economical living environment, Chino may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Chino falls within this bracket.
Housing costs are a major factor in the Chino 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 141.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Everyday household expenses like cleaning products, laundry detergent, toiletries, and kitchen basics can quickly add up over time and make up 8% of the cost of living index. In Chino, you can expect to spend 11.6% more than average on these recurring essentials, which increases your overall monthly cost of living.
The substantial and relentless rise in grocery prices definitely warrants some attention. Over the past two years, grocery expenses have escalated by more than 10%. Having said that, the situation in Chino is even less favorable, with grocery prices here being 11.7% higher than the national average.
The most insightful perspective on a city comes from its residents. We recently surveyed 7 locals to gauge their perception of the cost of living in Chino. The feedback revealed that 57% of respondents found the cost of living to be reasonable, with prices on the decline, while 43% regarded it as notably expensive with prices that continue to rise.
Is Chino 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 Chino is 168.2% higher than the national average, while the average monthly rent prices are 79.6% higher than average. The affordability of any location can also be influenced by median income levels. Chino has a median household income of $130,099, which is 60% higher than the national average.
Taxes: Areas with higher taxes, including sales taxes and income taxes, can contribute to a higher cost of living. Paying more tax for everyday household expenses like clothing and food will result in higher costs, as will paying a higher rate of income tax. The general sales tax rate in Chino starts at 7.25% and the income tax rates start at 1%.
Housing: A sought-after location with high housing demand often leads to increased property values and rental rates, which can significantly inflate the overall cost of living. Conversely, areas with low housing demand, particularly in less desirable locales, tend to experience the opposite effect, causing prices to drop and contributing to a more affordable cost of living. In Chino, the housing index stands at 141.6% higher than the national average.
Urbanization: Urban areas with a wealth of amenities and employment opportunities tend to come with a higher price tag for living. Why? Well, more people want to be there, which drives up home prices and rents. On the flip side, less densely populated rural areas or places where there's not as much demand usually mean fewer attractions, things to do and slower job growth. That often results in a lower cost of living.
The Chino cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as 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 | $153,453 | $12,788 | $3,580 | $4,604 |
| Renters | $85,784 | $7,149 | $2,001 | $2,574 |
| 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. |
| El Sobrante CDP (Contra Costa County), CA | 13,228 | 136 | 35.8% |
| Industry, CA | 269 | 137 | 37.1% |
| Fontana, CA | 220,412 | 141 | 41.4% |
| Home Gardens, CA | 12,492 | 141 | 40.9% |
| Montclair, CA | 41,014 | 139 | 38.5% |
| Chino, CA | 91,540 | 154 | 54.2% |
| City | Population | Cost of Living Index | National Avg. |
| Mount Pleasant, SC | 91,527 | 140 | 40.4% |
| Norwalk, CT | 91,485 | 142 | 42.4% |
| Maple Ridge, BC | 91,475 | n/a | |
| Nashua, NH | 91,471 | 116 | 16.5% |
| Fall River, MA | 91,437 | 119 | 19.1% |
| Chino, CA | 91,540 | 154 | 54.2% |
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